Tysons, VA · Cert 57890 · HSBC Holdings PLC
National charter · OCC · 1 affiliate bank · 21 branches (22 in holding)
Q2 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
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.79% | 0.91% | 0.92% | 0.89% | 0.98% | +19 bps | |
| Return on Equity | 8.17% | 9.30% | 9.39% | 9.06% | 10.02% | +185 bps | |
| Net Interest Margin | 1.53% | 1.55% | 1.59% | 1.58% | 1.53% | -1 bps | |
| Efficiency Ratio | 57.37% | 56.54% | 56.89% | 55.06% | 55.36% | -201 bps | |
| Non-Interest Burden | 0.39% | 0.38% | 0.41% | 0.33% | 0.30% | -9 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.73% | -0.60% | 0.27% | 0.88% | 1.97% | -476 bps | |
| Loan Growth (YoY) | 1.38% | -1.39% | -4.85% | -3.61% | -4.47% | -585 bps | |
| Deposit Growth (YoY) | 5.96% | -1.02% | -2.27% | -2.02% | 2.23% | -372 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.68% | 1.42% | 1.34% | 1.42% | 1.45% | -23 bps | |
| Net Charge-Offs / Loans | 0.20% | 0.20% | 0.26% | 0.10% | 0.16% | -4 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.42% | 10.43% | 10.27% | 10.48% | 10.22% | -20 bps | |
| Total Risk-Based Capital | 20.20% | 19.91% | 19.45% | 19.56% | 19.29% | -91 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Deposits | 43.94% | 44.35% | 42.06% | 42.91% | 41.06% | -288 bps | |
| Liquid Assets / Assets | 10.93% | 11.26% | 11.07% | 11.91% | 11.84% | +91 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |