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

HSBC Trust Company is headquartered in Wilmington and is the 21st largest bank in the state of Delaware. It is also the 5,774th largest bank in the nation. It was established in 2005 and as of June of 2014, 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.


Data for Q2 2014

Institution Health

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


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 HSBC Trust Company had $0 in non-current loans and owned real-estate with $53.43 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


In the past year, HSBC Trust Company has decreased its total deposits by $-937,000, resulting in -38.74% 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.



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 $55.35 million in assets with $53.43 million in equity, resulting in a capitalization level of 96.54%, which is excellent.

Institution Statistics

FDIC Certificate #58188
Year Established2005
Primary RegulatorOCC
Assets and Liabilities
Assets$55.35 million
Deposits$1.48 million
Equity Capital$53.43 million
Loan Loss Allowance$0
Real Estate Owned$0
Historic Data - June 2013
Assets$55.99 million
Equity Capital$53.06 million
Loan Loss Allowance$0
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.23%
Return on Equity0.24%
Interest Income$114,000

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