HSBC Bank USA, National Association
Total assets
$173.10B
▲ +2.0% YoY
Deposits
$141.19B
▲ +0.3% YoY
Loans
$54.99B
▼ -4.2% YoY
Offices
41
HSBC HOLDINGS PLC
ROA (annualized)
0.98%
peers 1.23%
ROE (annualized)
10.02%
peers 11.23%
Peer comparison 160 banks with 10B+ in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +5.9% | -3.9 pts |
| Deposit growth (YoY) | +0.3% | +5.7% | -5.4 pts |
| Loan growth (YoY) | -4.2% | +6.9% | -11.1 pts |
| ROA | 0.98% | 1.23% | -0.3 pts |
| ROE | 10.0% | 11.2% | -1.2 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
Profile
- Established
- 2004
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- HSBC HOLDINGS PLC
- Specialization
- All Other Over 1 Billion
- Address
- 1800 Tysons Blvd, Tysons, VA, 22102
- County
- Fairfax
- Metro area
- Washington-Arlington-Alexandria, DC-VA-MD-WV
- Offices
- 41
- FDIC cert #
- 57890
- RSSD ID
- 413208
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $173.10B | $141.19B | $54.99B | $16.60B | $822.5M | 0.98% | 1.64% | 0.47% |
| Q1 2026 | $167.71B | $135.52B | $55.17B | $16.44B | $369.5M | 0.89% | 1.67% | 0.47% |
| Q4 2025 | $165.26B | $137.52B | $53.95B | $16.20B | $1.52B | 0.92% | 1.68% | 0.45% |
| Q3 2025 | $162.24B | $135.10B | $56.90B | $16.45B | $1.13B | 0.91% | 1.67% | 0.51% |
| Q2 2025 | $169.75B | $140.81B | $57.39B | $16.41B | $657.0M | 0.79% | 1.64% | 0.58% |
| Q1 2025 | $166.24B | $139.39B | $57.08B | $16.10B | $295.0M | 0.71% | 1.64% | 0.55% |
| Q4 2024 | $164.82B | $137.64B | $56.63B | $15.73B | $1.31B | 0.80% | 1.50% | 0.44% |
| Q3 2024 | $163.23B | $136.15B | $57.67B | $15.88B | $840.9M | 0.69% | 1.47% | 0.49% |
Loan mix (Q2 2026): real estate $21.60B · commercial $21.34B · consumer $318.1M · securities $53.43B
Ratio pack Q2 2026 · peer medians from 160 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.98% | 1.23% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 10.0% | 11.3% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.64% | 3.55% | 6th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.4% | 54.9% | 54th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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