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
1.53%
Rank 13 of 15
Efficiency Ratio
55.36%
Rank 8 of 15
Equity / Assets
9.59%
Rank 9 of 15
Non-interest income vs. expense
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 | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.95% | 0.74% | 0.98% | 1.14% | Beats 40% | 9 / 15 | | |
| Return on Equity | 9.91% | 5.21% | 8.81% | 10.53% | Beats 60% | 6 / 15 | | |
| Net Interest Margin | 1.53% | 1.76% | 2.56% | 3.09% | Beats 13% | 13 / 15 | | |
| Efficiency Ratio | 55.36% | 49.33% | 55.36% | 65.80% | Beats 53% | 8 / 15 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.45% | 0.39% | 0.66% | 0.92% | Beats 7% | 15 / 15 | | |
| Net Charge-Offs / Loans | 0.10% | 0.01% | 0.03% | 0.10% | Beats 27% | 12 / 15 | | |
| Capital |
| Tier 1 Capital Ratio | 17.39% | 12.31% | 14.32% | 17.39% | Beats 73% | 4 / 15 | | |
| Total Risk-Based Capital Ratio | 19.29% | 13.34% | 14.76% | 19.29% | Beats 73% | 4 / 15 | | |
| Equity / Assets | 9.59% | 8.06% | 10.22% | 12.59% | Beats 40% | 9 / 15 | | |
| Liquidity & Funding |
| Loans / Deposits | 41.06% | 52.62% | 85.61% | 96.57% | 13th pctl | 13 / 15 | | |
| Loans / Assets | 31.97% | 32.81% | 69.81% | 78.17% | 13th pctl | 13 / 15 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |