HSBC Bank USA, N.A.: Peer Group Comparison
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Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks HSBC Bank USA, N.A. of Tysons, VA against its peer group of 16 similarly-sized US banks as of Q2 2026. The peer group is every US bank in the same asset tier (banks with $100B to $250B in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | 0.89% | 1.13% | -0.24% | 13th worst quarter |
| ROAE | 9.06% | 13.04% | -3.98% | 20th worst quarter |
| Net Interest Margin | 1.65% | 3.13% | -1.48% | 0th worst quarter |
| Efficiency Ratio | 55.06% | 55.09% | -0.03% | 47th better half |
| PPNR / Avg Assets | 1.25% | 1.74% | -0.49% | 7th worst quarter |
| Yield on Earning Assets | 4.02% | 5.12% | -1.10% | 7th |
| Cost of Funds | 2.45% | 2.28% | +0.17% | 60th worse half |
| Net Interest Spread | 0.82% | 2.44% | -1.62% | 0th worst quarter |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 1.42% | 0.95% | +0.47% | 73rd worse half |
| NPA / Total Assets | 0.47% | 0.53% | -0.06% | 40th better half |
| NCO / Avg Loans | 0.10% | 0.35% | -0.25% | 27th better half |
| ACL / Total Loans | 0.75% | 1.33% | -0.58% | 27th |
| ACL / NPLs (Coverage) | 53.11% | 149.43% | -96.32% | 0th worst quarter |
| Texas Ratio | 4.84% | 5.20% | -0.36% | 40th better half |
| Provision / NCO | 337.43% | 101.19% | +236.24% | 86th |
| CRE / Total Capital | 31.85% | 70.25% | -38.40% | 33rd better half |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| CET1 Ratio | 16.04% | 12.54% | +3.50% | 67th better half |
| Tier 1 Ratio | 17.55% | 12.54% | +5.01% | 73rd better half |
| Total Capital Ratio | 19.56% | 14.17% | +5.39% | 73rd better half |
| Leverage Ratio | 10.48% | 9.60% | +0.88% | 80th best quarter |
| Equity / Assets | 9.80% | 9.89% | -0.09% | 47th worse half |
| TCE / Tangible Assets | 8.66% | 8.44% | +0.22% | 60th better half |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 41.02% | 80.54% | -39.52% | 13th |
| Core Deposit Ratio | 73.09% | 91.02% | -17.93% | 13th worst quarter |
| Uninsured Deposit Ratio | 67.44% | 33.01% | +34.43% | 100th worst quarter |
| Borrowings / Total Assets | 4.87% | 5.98% | -1.11% | 40th better half |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.88% | 1.96% | -1.08% | 33rd |
| Loan Growth (Y/Y) | -3.61% | 4.12% | -7.73% | 0th |
| Deposit Growth (Y/Y) | -2.78% | 0.85% | -3.63% | 0th |
See HSBC Bank USA, N.A.'s peers by name
The 16 banks in this peer group, by name · build custom peer groups · percentile history · watchlist alerts
Unlock this bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full HSBC Bank USA, N.A. profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the HSBC Bank USA, N.A. peer analysis.