BlastPoint's Banking Scorecard

HSBC Bank USA, National Association

$10B-$250B Specialty: Other VA FDIC cert 57890

Tysons, VA

22 branches across NY · CA · FL · VA · WA · DC · NJ

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 5 in VA.
Deposits +0.3% year over year ($141.2B on the books).
Delinquency rate 1.46%.
Return on assets 0.98%.
Efficiency ratio 55.36% vs a 53.67% peer average.
Loan-to-deposit ratio 38.95% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 5 in VA

View $10B-$250B leaderboard (VA) →

HSBC Bank USA, National Association faces 5 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 42.3% in tier
- Net Interest Margin 2.28% below tier average
- ROA 0.41% below tier average
- Efficiency Ratio 1.69% above tier average
- Delinquency Rate 0.44% above tier average

Get updates when HSBC Bank USA, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Total Assets ?	$173.1B +2.0% YoY +3.2% QoQ	+$129.5B	$43.6B -13.8% YoY	$17.9B +3.0% YoY	$6.3B +7.7% YoY	Top 5.0% in tier
Total Loans ?	$55.0B -4.2% YoY -0.3% QoQ	+$27.0B	$28.0B -8.6% YoY	$10.9B +3.1% YoY	$3.2B +9.4% YoY	Top 12.9% in tier
Total Deposits ?	$141.2B +0.3% YoY +4.2% QoQ	+$105.8B	$35.4B -14.0% YoY	$14.1B +3.2% YoY	$4.9B +7.3% YoY	Top 5.0% in tier
Return on Assets ?	0.98% +23.9% YoY +9.9% QoQ	-0.41%	1.39% +25.9% YoY	1.34% +70.7% YoY	1.30% +12.1% YoY	21%
Net Interest Margin ?	1.64% +0.1% YoY -1.6% QoQ	-2.28%	3.92% +8.9% YoY	3.88% +6.6% YoY	3.95% +4.9% YoY	Bottom 2.2% in tier
Efficiency Ratio ?	55.36% -3.5% YoY +0.5% QoQ	+1.69%	53.67% -1.9% YoY	62.24% -10.7% YoY	70.05% +2.5% YoY	48%
Delinquency Rate ?	1.46% -14.0% YoY +2.1% QoQ	+0.44%	1.01% -2.8% YoY	0.72% +0.1% YoY	0.98% +16.3% YoY	Bottom 14.5% in tier
Loan-to-Deposit Ratio ?	38.95% -4.4% YoY -4.3% QoQ	-43.66%	82.61% +3.1% YoY	80.15% +0.8% YoY	79.03% +2.3% YoY	Top 4.3% in tier
Non-Interest-Bearing Deposit Share ?	21.72% +35.6% YoY +5.7% QoQ	+1.14%	20.58% +4.9% YoY	26.19% +3.5% YoY	21.98% -0.6% YoY	44%
Nonperforming Asset Ratio ?	0.47% -19.1% YoY -1.6% QoQ	-0.26%	0.73% +5.8% YoY	0.52% -0.4% YoY	0.69% +15.8% YoY	53%
Tier 1 Capital Ratio ?	17.39% -3.7% YoY -0.9% QoQ	+2.04%	15.35% -0.4% YoY	16.58% +3.9% YoY	17.09% +0.8% YoY	Top 11.5% in tier
Non-Interest Income / Assets ?	0.61% +6.6% YoY +102.7% QoQ	+0.11%	0.50% +10.5% YoY	0.52% +72.6% YoY	0.66% +5.2% YoY	81%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Noninterest-Bearing	21.7% +5.7pp YoY +1.2pp QoQ	+0.7pp	21.0%	26.2%	22.2%	42%
Brokered Deposits	15.5% -2.4pp YoY -0.5pp QoQ	+6.3pp	9.2%	8.5%	8.5%	84%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
C&I	38.8% +0.9pp YoY +2.6pp QoQ	+21.6pp	17.2%	11.0%	12.5%	98%
CRE	3.0% -3.0pp YoY -0.5pp QoQ	-39.0pp	42.0%	46.9%	41.4%	2%
1-4 Family	36.3% -2.5pp YoY +0.1pp QoQ	+13.2pp	23.1%	32.6%	31.3%	87%
Consumer	0.6% +0.2pp YoY +0.2pp QoQ	-12.3pp	12.9%	8.0%	5.0%	29%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
CET1 Ratio	15.9% -0.6pp YoY -0.1pp QoQ	+0.6pp	15.3%	17.2%	19.7%	84%
Leverage Ratio	10.2% -0.2pp YoY -0.3pp QoQ	-0.2pp	10.4%	12.2%	12.6%	52%
Total Capital Ratio	19.3% -0.9pp YoY -0.3pp QoQ	+2.8pp	16.5%	18.3%	20.8%	89%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Full-Time Employees	1,731 -211 (-10.9%) YoY +33 (+1.9%) QoQ	-1,527	3,258	1,956	482	41%
Assets per Employee ($)	$100.0M +14.4% YoY +1.2% QoQ	+$73.0M	$27.0M	$9.9M	$8.8M	93%
Branch Count	22 0 YoY 0 QoQ	-116	137	28	18	27%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.4pp	0.4%	0.2%	0.4%	18%
Nonaccrual	1.5% -0.2pp YoY 0.0pp QoQ	+0.7pp	0.7%	0.7%	1.0%	93%
Allowance Coverage	0.44x -21.6% YoY -17.2% QoQ	-2.37x	2.81x	9.47x	20.23x	7%
Net Charge-off Rate (YTD)	0.2% 0.0pp YoY +0.1pp QoQ	-0.3pp	0.4%	0.2%	0.2%	50%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
ROE	10.0% +1.8pp YoY +1.0pp QoQ	-2.6pp	12.6%	12.0%	11.6%	41%
Cost of Funds (YTD)	2.4% -0.5pp YoY 0.0pp QoQ	+0.5pp	2.0%	1.7%	1.7%	77%
Net Income ($, YTD)	$822.5M +25.2% YoY — QoQ	+$525.7M	$296.8M	$137.1M	$40.4M	93%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Flatlined Growth

risk

#12 of 26 • Bottom 42.3% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.98%

(Tier: 1.39%, National: 1.30%)

worse than tier avg

26 of 26 Large banks match · 719 nationally

→ Stable +34 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 139 peers in $10B-$250B

Top Strengths (6 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 38.95%

Peer Median: 82.61%

#7 of 139 Top 4.3% in $10B-$250B

Total Assets

size

Value: $173.10B

Peer Median: $43.60B

#8 of 139 Top 5.0% in $10B-$250B

Total Deposits

size

Value: $141.19B

Peer Median: $35.42B

#8 of 139 Top 5.0% in $10B-$250B

Tier 1 Capital Ratio

capital

Value: 17.39%

Peer Median: 15.35%

#17 of 139 Top 11.5% in $10B-$250B

Total Loans

size

Value: $54.99B

Peer Median: $27.97B

#19 of 139 Top 12.9% in $10B-$250B

Non-Interest Income / Assets

revenue_mix

Value: 0.61%

Peer Median: 0.50%

#28 of 139 Top 19.4% in $10B-$250B

Top Weaknesses (3 metrics)

137

Net Interest Margin

profitability

Value: 1.64%

Peer Median: 3.92%

#137 of 139 Bottom 2.2% in $10B-$250B

119

Delinquency Rate

credit_quality

Value: 1.46%

Peer Median: 1.01%

#119 of 138 Bottom 14.5% in $10B-$250B

111

Return on Assets

profitability

Value: 0.98%

Peer Median: 1.39%

#111 of 139 Bottom 20.9% in $10B-$250B