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HSBC Bank USA, National Association

Tysons, VA · Cert 57890 · HSBC Holdings PLC

National charter · OCC · 21 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=15). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

62

Q2 2024Q2 2026peer median (50)

Asset Quality

17

Q2 2024Q2 2026peer median (50)

Profitability

40

Q2 2024Q2 2026peer median (50)

Liquidity

16

Q2 2024Q2 2026peer median

Efficiency

53

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

HSBC Bank USA, National Association

Tysons, VA · Cert 57890 · HSBC Holdings PLC

National charter · OCC · 1 affiliate bank · 21 branches (22 in holding)

Q2 2026

$173.1BAssets
$55.3BLoans
$134.8BDeposits
$16.6BEquity
Loan mix
52%RE $21.9B47%C&I $20.0B1%Consumer $0.2BQ3 2024Q2 2026
Deposit mix
77%Interest-bearing $104.1B23%Noninterest $30.7BQ3 2024Q2 2026

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 3.6% share · #7 of 151 inst. · $105.5B of $2921.1B

5.2% New York
4.2% Los Angeles
1.4% San Francisco
1.8% Miami-Dade

Executive Summary

  • Earnings: ROA of 0.98%, up 19 bps year over year; NIM at 1.53%.
  • Asset quality: problem loans at 1.45% of loans (-23 bps YoY), with net charge-offs at 0.16%.
  • Capital: tier 1 leverage ratio of 10.22%, down 20 bps from a year ago.
  • Funding: loans stand at 41.06% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.98%+19 bps YoY

Net Interest Margin (YTD, annualized)

1.53%-1 bps YoY

Efficiency Ratio (YTD, annualized)

55.36%-201 bps YoY

Tier 1 Leverage Ratio

10.22%-20 bps YoY

NIM

4.58%Q2 ’244.27%Q2 ’253.77%Q2 ’26+11%0%

Non-interest income vs. expense

1.63%Q2 ’241.53%Q2 ’251.52%Q2 ’26+7%-24%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.69%0.80%0.71%0.79%0.91%0.92%0.89%0.98%+19 bps
Return on Equity7.13%8.32%7.41%8.17%9.30%9.39%9.06%10.02%+185 bps
Net Interest Margin1.39%1.38%1.52%1.53%1.55%1.59%1.58%1.53%-1 bps
Efficiency Ratio61.66%59.39%55.92%57.37%56.54%56.89%55.06%55.36%-201 bps
Non-Interest Burden0.39%0.32%0.34%0.39%0.38%0.41%0.33%0.30%-9 bps
Growth
Asset Growth (YoY)1.19%-0.21%1.94%6.73%-0.60%0.27%0.88%1.97%-476 bps
Loan Growth (YoY)5.34%1.48%2.51%1.38%-1.39%-4.85%-3.61%-4.47%-585 bps
Deposit Growth (YoY)2.03%1.54%2.06%5.96%-1.02%-2.27%-2.02%2.23%-372 bps
Asset Quality
Nonperforming Loans / Loans1.36%1.26%1.56%1.68%1.42%1.34%1.42%1.45%-23 bps
Net Charge-Offs / Loans0.13%0.12%0.05%0.20%0.20%0.26%0.10%0.16%-4 bps
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.55%10.16%10.23%10.42%10.43%10.27%10.48%10.22%-20 bps
Total Risk-Based Capital19.57%20.18%20.26%20.20%19.91%19.45%19.56%19.29%-91 bps
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits44.52%43.20%43.61%43.94%44.35%42.06%42.91%41.06%-288 bps
Liquid Assets / Assets10.56%10.80%10.91%10.93%11.26%11.07%11.91%11.84%+91 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

HSBC Bank USA, National Association

Tysons, VA · Cert 57890 · Peer group: banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=15) · HSBC Holdings PLC

National charter · OCC · 1 affiliate bank · 21 branches (22 in holding)

Q2 2026

$173.1BAssets
$55.3BLoans
$134.8BDeposits
$16.6BEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 73% of banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 4 of 15).
  • Widest gap: nonperforming loans / loans trails 93% of banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 15 of 15).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.95%

Rank 9 of 15

Net Interest Margin

1.52%

Rank 12 of 15

Efficiency Ratio

55.36%

Rank 8 of 15

Equity / Assets

9.59%

Rank 9 of 15

Non-interest income vs. expense

$2.1B$2.6BINCOMEEXPENSE
Unfavorable gap of $0.5B · efficiency ratio beats 53% of banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 55.36%Peer median 55.4%Q2 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.95%0.74%0.98%1.14%Beats 40%9 / 15
Return on Equity9.91%5.21%8.81%10.53%Beats 60%6 / 15
Net Interest Margin1.52%1.52%2.56%3.09%Beats 20%12 / 15
Efficiency Ratio55.36%49.33%55.36%65.80%Beats 53%8 / 15
Asset Quality
Nonperforming Loans / Loans1.45%0.39%0.66%0.92%Beats 7%15 / 15
Net Charge-Offs / Loans0.10%0.01%0.03%0.10%Beats 27%12 / 15
Capital
Tier 1 Capital Ratio17.39%12.31%14.32%17.39%Beats 73%4 / 15
Total Risk-Based Capital Ratio19.29%13.34%14.76%19.29%Beats 73%4 / 15
Equity / Assets9.59%8.06%10.22%12.59%Beats 40%9 / 15
Liquidity & Funding
Loans / Deposits41.06%52.62%85.61%96.57%13th pctl13 / 15
Loans / Assets31.97%32.81%69.81%78.17%13th pctl13 / 15
Brokered Deposits / Depositsn/aNot reported for this institution