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Overview / Commentary
300 Delaware Avenue, Suite 1401
Wilmington, DE 19801

HSBC Trust Company is headquartered in Wilmington and is the 22nd largest bank in the state of Delaware. It is also the 5,866th largest bank in the nation. It was established in 2005 and as of December of 2013, it had grown to 4 employees at 1 location. HSBC Trust Company has a B health rating.

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Reviews (1)

Best Online Banking So Far I Found

Well as i m a computer geed kind of person i love to do transaction from the comfort of my home, i have tried many banks but i m sorry to say there online banking is very awful, systems are so much sophisticated that they become fatigue for you rather then comfort, i m using HSBC saving account for the past one year and i m very satisfied, they are offering internet banking free.



Health

Data for Q4 2013

Institution Health

B
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. HSBC Trust Company has a relatively low asset base.

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 HSBC Trust Company had $0 in non-current loans and owned real-estate with $53.37 million in equity and loan loss allowances on hand to cover it. This gives HSBC Trust Company a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth

GRADE:
F

In the past year, HSBC Trust Company has decreased its total deposits by $-874,000, resulting in -35.24% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth HSBC Trust Company has shown is poor.

Capitalization

GRADE:
A+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. HSBC Trust Company has $55.59 million in assets with $53.37 million in equity, resulting in a capitalization level of 96.02%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #58188
Year Established2005
Employees4
Primary RegulatorOCC
Assets and Liabilities
Assets$55.59 million
Loans$0
Deposits$1.61 million
Equity Capital$53.37 million
Loan Loss Allowance$0
Real Estate Owned$0
Historic Data - December 2012
Assets$55.95 million
Equity Capital$52.97 million
Loan Loss Allowance$0
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin0.19%
Return on Assets0.07%
Return on Equity0.85%
Interest Income$2.36 million
Rates

Sorry, we do not have rate data for HSBC Trust Company

Locations


HSBC Trust Company Locations
Hsbc Trust Company (Delaware), National Associatio300 Delaware Avenue, Suite 1401Wilmington, DE 19801