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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 — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2025-Q2QoQ -2

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

Quarterly Headline

2025-Q2

Bank #413208 2025-Q2 Vital Signs Score: 75/100 — 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 43.3% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q1 2025:
↓ -2 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -4
  • Reserves
    ↓ -8

The five pillars

Liquidity

StrongQoQ +1
84
Sub-score

Liquidity is strong: brokered 19.1%, loans/deposits 43.5%.

Cash / Assets
—
Loans / Deposits
43.53%
Brokered %
19.08%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 18.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
18.64%
No watch items at this period.

Capitalization

Stable
75
Sub-score

Capital position is stable: Tier 1 RBC 18.05%, CET1 0.00%, leverage 10.38%.

Tier 1 RBC
18.05%
CET1
0.00%
Leverage
10.38%

Watch Items

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

Asset Quality

StrongQoQ -4
86
Sub-score

Asset quality is strong: Adjusted NPL 1.70%, Texas Ratio 5.4%, NCO YTD 0.35%.

Adjusted NPL
1.70%
Govt-guarantees stripped
Texas Ratio
5.4%
NCO YTD
0.35%
30-89 PD
0.61%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -8
22
Sub-score

Reserves are weak: ALLL 0.94% of loans, coverage 56.1%, true coverage 43.3%.

ALLL / Loans
0.94%
Coverage
56.1%
True Loss Coverage
43.3%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 43.3% (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