Institution Statistics
| HSBC Trust Company (Delaware), National Association | | FDIC Certificate # | 58188 | | BankRate Report | View | | Year Established | 2005 | | Employees | 5 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $2.01 billion | | Deposits | $3.37 million | | Equity Capital | $52.88 million |
Historic Data - March 2011 | | Assets | $1.01 billion | | Equity Capital | $52.68 million |
Profit Margin - Quarterly | | Net Interest Margin | 0.09% | | Return on Assets | 0.01% | | Return on Equity | 0.36% | | Interest Income | $658,000 |
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Institution Health
Overall Score:
3 out of 5 
| Texas Ratio |  | | 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 March 31, 2012 HSBC Trust Company (Delaware), National Association had $0 in non-current loans and owned real-estate with $52.88 million in equity and loan loss allowances on hand to cover it. This gives HSBC Trust Company (Delaware), National Association 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 (Delaware), National Association has decreased its total deposits by $-614,000, resulting in -15.4% 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 (Delaware), National Association has shown is poor. | | Capitalization | | | 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 (Delaware), National Association has $2.01 billion in assets with $52.88 million in equity, resulting in a capitalization level of 2.63%, which is poor. |
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Average User Rating:
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.