HSBC Bank USA, National Association: how it compares with its peers
Against 23 U.S. banks with half to twice its assets, HSBC Bank USA, National Association's strongest measure in Q2 2026 is assets per employee ($100.0M vs. a $13.1M peer median). Its weakest relative measure is net interest margin (1.64% vs. 3.28%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.98% | 1.09% | Bottom third Ahead of 26% of peers |
| Net interest margin Annualized net interest income over earning assets. | 1.64% | 3.28% | Bottom third Ahead of 0% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 55.36% | 59.91% | Middle third Ahead of 65% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $100.0M | $13.1M | Top third Ahead of 87% of peers |
| Loans to deposits Net loans and leases over total deposits. | 38.95% | 80.79% | Context |
What it means for lending operations
Its efficiency ratio of 55.36% is better than the 59.91% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Northern Trust Company Chicago, IL · $178.57B
- Regions Bank Birmingham, AL · $159.79B
- Ally Bank Sandy, UT · $188.18B
- KeyBank National Association Cleveland, OH · $188.56B
- American Express National Bank Sandy, UT · $213.95B
- Pinnacle Bank Nashville, TN · $128.79B
Questions about HSBC Bank USA, National Association
How big is HSBC Bank USA, National Association?
HSBC Bank USA, National Association, established in 2004, is headquartered in Tysons, VA. It reported $173.10B in total assets in its Q2 2026 FDIC call report and operates 41 offices.
What is HSBC Bank USA, National Association's return on assets?
0.98% annualized in Q2 2026, against a 1.09% median for 23 U.S. banks with half to twice its assets, ahead of 26% of them.
What is HSBC Bank USA, National Association's efficiency ratio?
55.36% in Q2 2026: it spent about 55 cents in noninterest expense for each dollar of revenue. The peer median is 59.91%, and lower is better.
Is HSBC Bank USA, National Association growing its loans?
Net loans shrank 4.2% over the year to Q2 2026, while deposits grew 0.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Virginia bank ranked.