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HSBC Trust Company (Delaware), National Association

Wilmington, DE · Cert 58188 · HSBC Holdings PLC

National charter · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD 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 under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=31). 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

92

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

61

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

100

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 2026-10-11

HSBC Trust Company (Delaware), National Association

Wilmington, DE · Cert 58188 · HSBC Holdings PLC

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

Q2 2026

$57.2MAssets
$0KLoans
$500KDeposits
$55.7MEquity
Deposit mix
0%Interest-bearing $0K100%Noninterest $500KQ3 2024Q2 2026

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.0% share · #81 of 88 inst. · $0.0B of $685.1B

Executive Summary

  • Earnings: ROA of 4.56%, down 8 bps year over year; NIM at 3.65%.
  • Capital: tier 1 leverage ratio of 97.77%, up 65 bps from a year ago.
  • Funding: loans stand at 0.00% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

4.56%-8 bps YoY

Net Interest Margin (YTD, annualized)

3.65%-72 bps YoY

Efficiency Ratio (YTD, annualized)

19.92%+36 bps YoY

Tier 1 Leverage Ratio

97.77%+65 bps YoY

NIM

5.40%Q2 ’244.36%Q2 ’253.65%Q2 ’26-19%-16%

Non-interest income vs. expense

1.38%Q2 ’241.50%Q2 ’251.49%Q2 ’26-29%-30%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets5.14%5.03%4.70%4.64%4.66%4.75%4.53%4.56%-8 bps
Return on Equity5.29%5.17%4.82%4.77%4.80%4.88%4.63%4.67%-10 bps
Net Interest Margin5.39%5.23%4.34%4.36%4.38%4.28%3.63%3.65%-72 bps
Efficiency Ratio16.81%17.48%18.90%19.56%19.16%19.38%18.77%19.92%+36 bps
Non-Interest Burden-1.39%-1.40%-1.90%-1.79%-1.78%-1.98%-2.35%-2.33%-54 bps
Growth
Asset Growth (YoY)2.45%-1.75%-1.88%-2.09%-2.31%-0.10%0.02%0.20%+229 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)0.00%0.00%0.00%0.00%0.00%-0.20%-0.20%0.00%0 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
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 Ratio96.97%94.20%97.32%97.12%96.82%96.65%97.78%97.77%+65 bps
Total Risk-Based Capital96.97%94.20%97.32%97.12%96.82%96.65%97.78%97.77%+65 bps
Equity / Assets96.67%97.33%97.37%96.95%96.61%97.77%97.83%97.41%+46 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets96.22%94.74%95.46%96.01%95.48%94.82%95.97%95.36%-65 bps
CRE / Total Capitaln/an/an/an/a0.00%0.00%0.00%n/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 2026-10-11

HSBC Trust Company (Delaware), National Association

Wilmington, DE · Cert 58188 · Peer group: banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=31) · HSBC Holdings PLC

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

Q2 2026

$57.2MAssets
$0KLoans
$500KDeposits
$55.7MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 100% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 1 of 31).
  • Widest gap: return on equity trails 71% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 22 of 31).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

4.53%

Rank 5 of 31

Net Interest Margin

3.65%

Rank 9 of 31

Efficiency Ratio

19.92%

Rank 1 of 31

Equity / Assets

97.41%

Rank 1 of 31

Non-interest income vs. expense

$2.2M$0.8MINCOMEEXPENSE
Favorable gap of $1.3M · efficiency ratio beats 100% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area
Bank 19.92%Peer median 63.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets4.53%0.63%0.93%2.39%Beats 84%5 / 31
Return on Equity4.65%4.15%7.07%14.29%Beats 29%22 / 31
Net Interest Margin3.65%2.72%3.26%3.84%Beats 71%9 / 31
Efficiency Ratio19.92%49.04%63.83%80.34%Beats 100%1 / 31
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio97.77%13.01%19.43%42.39%Beats 90%3 / 31
Total Risk-Based Capital Ratio97.77%13.95%20.55%43.38%Beats 90%3 / 31
Equity / Assets97.41%9.21%12.36%21.28%Beats 97%1 / 31
Liquidity & Funding
Loans / Deposits0.00%52.41%83.15%99.86%0th pctl28 / 31
Loans / Assets0.00%37.80%67.87%79.23%0th pctl28 / 31
Brokered Deposits / Depositsn/aNot reported for this institution