HSBC Bank USA, National Association

1800 Tysons Blvd
Tysons, VA 22102

Phone: 800 975 4722


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 57890
Date Established 2004
Assets $169.81 billion
Loans $66.65 billion
Deposits $126.34 billion
Capital $23.71 billion

HSBC Bank USA, National Association is an FDIC insured institution located in Tysons, VA. It was founded in 2004 and has approximately $169.81 billion in assets. Customers can open an account at one of its 252 branches.

For a more detailed analysis of HSBC Bank USA, National Association's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in HSBC Bank USA, National Association’s loan portfolio are Commercial and Industrial Loans, 1-4 Family Residential Loans, and Commercial Real Estate.

Compared to other banks in Virginia, HSBC Bank USA, National Association has a significantly higher percent of Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 27.68
Credit Card Loans 1.53
Consumer Auto Loans 0.00
Small Business Loans 0.08
Construction and Development Loans 2.77
Commercial Real Estate 10.38
Commercial and Industrial Loans 39.45
Farm Loans 0.33

Deposit Rates - June 17, 2019

Your Current Location: Virginia, VA 20146

Online Only Savings Rates of HSBC Direct

Online Savings Rates APY MIN MAX
There are currently no rates available for Hsbc Bank Usa, National Association, but see these great savings and CD rates:

Advertiser Disclosure
Checking Rates APY MIN FEE
HSBC Premier 0.01% $100,000 $50.00 Learn MoreShow Less
Choice Checking 0.00% $1,500 $15.00 Learn MoreShow Less
Basic Banking 0.00% $0 $3.00 Learn MoreShow Less

Bank Online Offers

HSBC Relaunches US Online Savings Accounts
Jul 10, 2018

HSBC, the major London-based conglomerate, has relaunched an online banking product in the US.   After recently being active in the US through the HSBC Advance moniker, they have opted to go back to HSBC Direct which they used in the early 2000s.   Their online savings rate is 1.70% (hint: you will find better online savings rates here).    You can learn more about HSBC here.

Loan Rates - June 17, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for HSBC Bank USA, National Association

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
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Quicken Loans NMLS #3030
NMLS ID: 3030
5.250% 5.250% 0.00 $0 $1,381 Learn More
First Internet Bank
NMLS ID: 424182
3.779% 3.750% 0.38 $898 $1,158 Learn More
Rocket Mortgage
NMLS ID: 3030
4.500% 4.500% 0.00 $0 $1,267 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
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PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
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Note to HSBC Bank USA, National Association
To upload and update your bank's rates please register. It is free to register and add rates.


HSBC Bank USA, National Association branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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HSBC Bank USA, National Association Locations

Financial Details

HSBC Bank USA, National Association Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of HSBC Bank USA, National Association. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
HSBC Bank USA, National Association U.S. Bank Average
2.36% 6.97%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2018, HSBC Bank USA, National Association had $559,815,000 in non-current loans and $12,017,000 in owned real estate. To cover these potential losses it had $23,710,899,000 in equity and $540,707,000 in loans loss reserves. That gives it a Texas Ratio of 2.36%.

Return on Equity
HSBC Bank USA, National Association U.S. Bank Average
2.22% 8.80%

HSBC Bank USA, National Association has a Return on Equity of 2.22% versus the BestCashCow average of 8.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

HSBC Bank USA, National Association U.S. Bank Average
13.96% 12.29%

HSBC Bank USA, National Association has a Capitalization of 13.96% versus the BestCashCow average of 12.29. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

HSBC Bank USA, National Association Balance Sheet Analysis

As of December 31, 2018, HSBC Bank USA, National Association had assets of $169,812,442,000, loans of $66,651,806,000, and deposits of $126,341,929,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2018
Cash & Balances due from depository institutions $16.90 billion
Interest-bearing balances $15.38 billion
Total securities $46.23 billion
Federal funds sold and reverse repurchase $10.17 billion
Net loans and leases $66.65 billion
Loan loss allowance $0.54 billion
Trading account assets $22.04 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.01 billion
Goodwill and other intangibles $1.63 billion
All other assets $6.03 billion
     Total Assets $146.10 billion
Total deposits $126.34 billion
      Interest-bearing deposits $100.48 billion
      Deposits held in domestic offices $119.86 billion
      % insured (estimated) 35.32%
Federal funds purchased and repurchase agreements $1.53 billion
Trading liabilities $3.64 billion
Other borrowed funds $8.02 billion
Subordinated debt $3.93 billion
All other liabilities $2.65 billion
      Total Liabilities $146.10 billion
      Shareholders’ Equity $23.71 billion

Summary Income Statement

December 31, 2018
Total Interest Income $4.60 billion
Total Interest Expense $2.13 billion
Net interest income $2.46 billion
Provision for loan and lease losses $-0.07 billion
Total non interest income $1.92 billion
Total non interest expense $3.63 billion
Pre-tax Net Operating Income $0.83 billion

Frequently Asked Questions About HSBC

Branches and Savings

Is HSBC FDIC insured?

Yes. It is covered under FDIC Certificate #57890.

Why does HSBC pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are HSBC CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is HSBC a commercial bank?

Where are HSBC locations?

See branch locations nearby.

Is HSBC open on Saturdays?

Is HSBC open on Sundays?

What time does HSBC open?

What time does HSBC close?

Are HSBC ATMs Open 24/7?

Do HSBC ATMs accept cash deposits?

Can HSBC customers use other ATMs?

Do HSBC branches have notaries?

Will HSBC notarize my document?

What address for HSBC should I put for incoming ACH transfers?

Will the HSBC branch print checks?

Do HSBC checks expire?

Does HSBC require US citizenship to open account?

Can HSBC close my account?

Does HSBC Report to credit bureaus?

Does HSBC Use Equifax?

What is HSBC's ACH Routing Number?

What is HSBC's SWIFT code?


Does HSBC offer mortgages?

Compare mortgage rates here.

Does HSBC offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does HSBC offer personal loans?

Compare personal loan rates here.

Does HSBC offer student loans?

Will HSBC cash a check?

Will HSBC redeem a savings bond?

Does HSBC cash savings bonds?

Will HSBC cash money orders?

Can HSBC issue a money order?

Does HSBC do currency exchange?

Background on The Bank

Who owns HSBC?

How long has HSBC been around?

Can HSBC transfer to other banks?

Does HSBC have quick pay?

Does HSBC accept rolled coins?

Will HSBC accept loose change?

Where is HSBC headquarters?

Customer Reviews for HSBC Bank USA, National Association

  • Gary

    June 18, 2015

    What is minimum deposit?

  • Bob

    May 18, 2015

    Need to have at least $100,000 with bank to get the 1.50%

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