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

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

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	4.53%	0.63%	0.93%	2.39%	Beats 84%	5 / 31
Return on Equity	4.65%	4.15%	7.07%	14.29%	Beats 29%	22 / 31
Net Interest Margin	3.65%	2.72%	3.26%	3.84%	Beats 71%	9 / 31
Efficiency Ratio	19.92%	49.04%	63.83%	80.34%	Beats 100%	1 / 31
Asset Quality
Nonperforming Loans / Loans	n/a	Not reported for this institution
Net Charge-Offs / Loans	n/a	Not reported for this institution
Capital
Tier 1 Capital Ratio	97.77%	13.01%	19.43%	42.39%	Beats 90%	3 / 31
Total Risk-Based Capital Ratio	97.77%	13.95%	20.55%	43.38%	Beats 90%	3 / 31
Equity / Assets	97.41%	9.21%	12.36%	21.28%	Beats 97%	1 / 31
Liquidity & Funding
Loans / Deposits	0.00%	52.41%	83.15%	99.86%	0th pctl	28 / 31
Loans / Assets	0.00%	37.80%	67.87%	79.23%	0th pctl	28 / 31
Brokered Deposits / Deposits	n/a	Not reported for this institution