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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-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2024-Q3QoQ -6

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

Quarterly Headline

2024-Q3

Bank #413208 2024-Q3 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 46.7% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q2 2024:
↓ -6 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -25
  • Asset Quality
    ↑ +2
  • Reserves
    ↓ -5

The five pillars

Liquidity

StrongQoQ +1
84
Sub-score

Liquidity is strong: brokered 18.7%, loans/deposits 44.1%.

Cash / Assets
—
Loans / Deposits
44.13%
Brokered %
18.69%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 16.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
16.14%
No watch items at this period.

Capitalization

StableQoQ -25
75
Sub-score

Capital position is stable: Tier 1 RBC 17.46%, CET1 0.00%, leverage 10.52%.

Tier 1 RBC
17.46%
CET1
0.00%
Leverage
10.52%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StrongQoQ +2
90
Sub-score

Asset quality is strong: Adjusted NPL 1.37%, Texas Ratio 4.5%, NCO YTD 0.04%.

Adjusted NPL
1.37%
Govt-guarantees stripped
Texas Ratio
4.5%
NCO YTD
0.04%
30-89 PD
0.60%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -5
23
Sub-score

Reserves are weak: ALLL 0.86% of loans, coverage 63.4%, true coverage 46.7%.

ALLL / Loans
0.86%
Coverage
63.4%
True Loss Coverage
46.7%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 46.7% (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