v3.25.2
Retained Earnings and Regulatory Capital Requirements (Tables)
 6 Months Ended
Jun. 30, 2025
Retained Earnings Note Disclosure [Abstract]  
Capital Amounts and Ratios in Accordance With Current Banking Regulations The following table summarizes the capital amounts and ratios of HSBC USA and HSBC Bank USA, calculated in accordance with the Basel III rule at June 30, 2025 and December 31, 2024:
June 30, 2025December 31, 2024
  
Capital
Amount
Well-Capitalized 
Ratio(1)
 Actual
Ratio		Capital
Amount
Well-Capitalized
Ratio(1)
 Actual
Ratio
 (dollars are in millions)
Common equity Tier 1 ratio:
HSBC USA$12,940 4.5 %
(2)
12.4 %$13,508 4.5 %
(2)
13.6 %
HSBC Bank USA16,091 6.5 16.5 15,504 6.5 16.4 
Tier 1 capital ratio:
HSBC USA13,205 6.0 12.7 13,773 6.0 13.8 
HSBC Bank USA17,591 8.0 18.0 17,004 8.0 18.0 
Total capital ratio:
HSBC USA15,618 10.0 15.0 16,111 10.0 16.2 
HSBC Bank USA19,692 10.0 20.2 19,035 10.0 20.2 
Tier 1 leverage ratio:
HSBC USA13,205 4.0 
(2)
7.5 13,773 4.0 
(2)
8.0 
HSBC Bank USA17,591 5.0 10.4 17,004 5.0 10.2 
Risk-weighted assets:(3)
HSBC USA104,167 99,462 
HSBC Bank USA97,477 94,334 
Adjusted quarterly average assets:(4)
HSBC USA175,996 173,041 
HSBC Bank USA168,898 167,348 
(1)HSBC USA and HSBC Bank USA are categorized as "well-capitalized," as defined by their principal regulators. To be categorized as well-capitalized under regulatory guidelines, a banking institution must maintain capital equal to or in excess of the ratios reflected in the above table, and must not be subject to a directive, order, or written agreement to meet and maintain specific capital levels.
(2)There are no common equity Tier 1 or Tier 1 leverage ratio components in the definition of a well-capitalized bank holding company. The ratios shown are the regulatory minimums.
(3)Calculated using the Standardized Approach.
(4)Represents the Tier 1 leverage ratio denominator which reflects quarterly average assets adjusted for amounts permitted to be deducted from Tier 1 capital.