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Letter portraitLegal landscapeQuarterYTD

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 1.06%, up 20 bps year over year; NIM at 1.52%.
  • Asset quality: problem loans at 1.45% of loans (-23 bps YoY), with net charge-offs at 0.22%.
  • 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 (quarter, annualized)

1.06%+20 bps YoY

Net Interest Margin (quarter, annualized)

1.52%-2 bps YoY

Efficiency Ratio (quarter, annualized)

55.65%-316 bps YoY

Tier 1 Leverage Ratio

10.22%-20 bps YoY

NIM

4.60%Q2 ’244.29%Q2 ’253.82%Q2 ’26+13%-1%

Non-interest income vs. expense

1.62%Q2 ’241.57%Q2 ’251.56%Q2 ’26+19%-37%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.56%1.14%0.71%0.86%1.13%0.96%0.89%1.06%+20 bps
Return on Equity5.64%11.81%7.41%8.91%11.46%9.61%9.06%10.97%+206 bps
Net Interest Margin1.44%1.48%1.52%1.55%1.58%1.63%1.58%1.52%-2 bps
Efficiency Ratio61.41%53.35%55.92%58.81%54.92%57.95%55.06%55.65%-316 bps
Non-Interest Burden0.43%0.14%0.34%0.44%0.34%0.50%0.33%0.28%-16 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 / Loans0.04%0.11%0.05%0.35%0.21%0.38%0.10%0.22%-12 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