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

137 banks in the $10B-$250B peer group nationally 4 in 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 20.8% in tier
- Net Interest Margin 2.10% below tier average
- ROA 0.39% below tier average
- Efficiency Ratio 1.05% above tier average
- Delinquency Rate 0.41% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Total Assets ?	$167.7B +0.9% YoY +1.5% QoQ	+$120.7B	$47.0B -1.9% YoY	$17.9B +25.7% YoY	$6.2B +9.1% YoY	Top 6.6% in tier
Total Loans ?	$55.2B -3.4% YoY +2.2% QoQ	+$25.8B	$29.4B -0.4% YoY	$10.6B +27.9% YoY	$3.2B +10.8% YoY	Top 14.6% in tier
Total Deposits ?	$135.5B -2.8% YoY -1.5% QoQ	+$97.1B	$38.4B -1.6% YoY	$14.1B +22.4% YoY	$4.8B +8.2% YoY	Top 6.6% in tier
Return on Assets ?	0.89% +24.5% YoY -3.2% QoQ	-0.39%	1.28% +18.7% YoY	1.15% +53.9% YoY	1.23% +13.4% YoY	22%
Net Interest Margin ?	1.67% +1.9% YoY -0.8% QoQ	-2.10%	3.77% +5.8% YoY	3.81% +7.1% YoY	3.89% +5.7% YoY	Bottom 2.9% in tier
Efficiency Ratio ?	55.06% -1.5% YoY -3.2% QoQ	+1.05%	54.01% -3.7% YoY	65.58% -7.6% YoY	66.95% -4.1% YoY	50%
Delinquency Rate ?	1.43% -9.4% YoY +5.6% QoQ	+0.41%	1.02% -3.8% YoY	0.77% +12.4% YoY	0.95% +18.8% YoY	16%
Loan-to-Deposit Ratio ?	40.71% -0.6% YoY +3.8% QoQ	-40.08%	80.79% +1.9% YoY	79.34% +0.5% YoY	76.70% +0.9% YoY	Top 5.1% in tier
Non-Interest-Bearing Deposit Share ?	20.54% +16.9% YoY +19.3% QoQ	+0.50%	20.04% +0.2% YoY	25.27% -0.4% YoY	22.01% -1.2% YoY	42%
Nonperforming Asset Ratio ?	0.47% -13.1% YoY +6.4% QoQ	-0.25%	0.72% +4.2% YoY	0.55% +12.2% YoY	0.67% +19.3% YoY	53%
Tier 1 Capital Ratio ?	17.55% -2.7% YoY +0.6% QoQ	+2.04%	15.51% -0.4% YoY	16.28% +2.7% YoY	17.06% +0.8% YoY	Top 11.7% in tier
Non-Interest Income / Assets ?	0.30% +2.0% YoY -74.0% QoQ	+0.08%	0.22% +0.3% YoY	0.18% +27.1% YoY	0.32% +4.1% YoY	80%

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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

#6 of 24 • Bottom 20.8% 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: 0.89%

(Tier: 1.28%, National: 1.23%)

worse than tier avg

24 of 24 Large banks match · 687 nationally

→ Stable +32 banks QoQ | QoQ rank improving

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 137 peers in $10B-$250B

Top Strengths (6 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 40.71%

Peer Median: 80.79%

#8 of 137 Top 5.1% in $10B-$250B

Total Assets

size

Value: $167.71B

Peer Median: $46.96B

#10 of 137 Top 6.6% in $10B-$250B

Total Deposits

size

Value: $135.52B

Peer Median: $38.42B

#10 of 137 Top 6.6% in $10B-$250B

Tier 1 Capital Ratio

capital

Value: 17.55%

Peer Median: 15.51%

#17 of 137 Top 11.7% in $10B-$250B

Total Loans

size

Value: $55.17B

Peer Median: $29.36B

#21 of 137 Top 14.6% in $10B-$250B

Non-Interest Income / Assets

revenue_mix

Value: 0.30%

Peer Median: 0.22%

#28 of 137 Top 19.7% in $10B-$250B

Top Weaknesses (3 metrics)

134

Net Interest Margin

profitability

Value: 1.67%

Peer Median: 3.77%

#134 of 137 Bottom 2.9% in $10B-$250B

115

Delinquency Rate

credit_quality

Value: 1.43%

Peer Median: 1.02%

#115 of 136 Bottom 16.2% in $10B-$250B

108

Return on Assets

profitability

Value: 0.89%

Peer Median: 1.28%

#108 of 137 Bottom 21.9% in $10B-$250B