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Hsbc Bank Usa National Association

IDRSSD: 413208
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2024-Q2QoQ -1

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q2

Bank #413208 2024-Q2 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Risk

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 48.9% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q1 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -2

The five pillars

Liquidity

StrongQoQ -2
84
Sub-score

Liquidity is strong: brokered 19.5%, loans/deposits 45.5%.

Cash / Assets
—
Loans / Deposits
45.49%
Brokered %
19.49%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 14.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
14.77%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 17.83%, CET1 16.29%, leverage 10.81%.

Tier 1 RBC
17.83%
CET1
16.29%
Leverage
10.81%
No watch items at this period.

Asset Quality

StrongQoQ -3
88
Sub-score

Asset quality is strong: Adjusted NPL 1.42%, Texas Ratio 4.5%, NCO YTD 0.35%.

Adjusted NPL
1.42%
Govt-guarantees stripped
Texas Ratio
4.5%
NCO YTD
0.35%
30-89 PD
0.53%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -2
28
Sub-score

Reserves are weak: ALLL 0.95% of loans, coverage 67.4%, true coverage 48.9%.

ALLL / Loans
0.95%
Coverage
67.4%
True Loss Coverage
48.9%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 48.9% (Adjusted NPL + Performing Mods denominator).

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 05:45:39 UTC