PackageTrendsPeer
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 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