4.53%
−3.6%y/y
Peer standing93rd percentile
FDIC
NETINC + ROAHT
HSBC Trust Company (Delaware), National Association
Wilmington, DelawareFDIC Cert #58188
OCCEstablished 20051 branch
Holding company: HSBC HOLDINGS PLCRegulator: OCC
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
4.63%
−4.0%y/y
Peer standing33rd percentile
FDIC
NETINC + ROE6.00%
−4.0%y/y
Peer standing94th percentile
FDIC
PTAXNETINC + ASSET3.82%
−16.5%y/y
Peer standing52nd percentile
FDIC
NIM + NIMY3.82%
−16.5%y/y
Peer standing11th percentile
FDIC
INTINCYFDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
18.77%
−0.7%y/y
Peer standing99th percentile
FDIC
NONIX + NIM + NONII + EEFFR1.39%
−4.8%y/y
Peer standing98th percentile
FDIC
NONIX + ASSET50.67%
+16.3%y/y
Percentile by value90th percentileby value
FDIC
NONII + NIM+0.02%
+101.0%y/y
Percentile by value30th percentileby value
FDIC
ASSET−0.20%
Percentile by value33rd percentileby value
FDIC
DEPFDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA4.53%93rd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.66%Median 0.97%90th 2.53%Observations 590
ROE
FDIC
NETINC + ROE4.63%33rd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −4.01%Median 7.76%90th 17.70%Observations 590
NIM
FDIC
NIM + NIMY3.82%52nd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.60%Median 3.78%90th 5.00%Observations 591
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR18.77%99th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 50.30%Median 71.56%90th 113.91%Observations 590
Deposits YoY
FDIC
DEP−0.20%33rd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −6.03%Median +2.56%90th +13.29%Observations 547
Loans YoY
FDIC
LNLSNETToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −8.25%Median +2.70%90th +19.03%Observations 527
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGRToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.41%90th 3.46%Observations 530
Leverage
FDIC
RBC1AAJ97.78%98th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.02%Median 13.02%90th 57.11%Observations 591
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOMToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.09%Median 2.13%90th 3.32%Observations 546
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 0%Median 25%90th 129%Observations 281
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA4.53%68th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.28%Median 3.07%90th 43.12%Observations 26
ROE
FDIC
NETINC + ROE4.63%32nd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 1.39%Median 7.51%90th 68.52%Observations 26
NIM
FDIC
NIM + NIMY3.82%56th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.03%Median 3.68%90th 9.83%Observations 26
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR18.77%84th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 15.28%Median 54.84%90th 90.54%Observations 26
Deposits YoY
FDIC
DEP−0.20%27th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −6.26%Median +3.98%90th +12.33%Observations 16
Loans YoY
FDIC
LNLSNETToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −10.66%Median +1.38%90th +9.74%Observations 13
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGRToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.10%Median 1.17%90th 3.28%Observations 13
Leverage
FDIC
RBC1AAJ97.78%84th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 10.45%Median 38.71%90th 99.10%Observations 26
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOMToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 0.12%Median 2.07%90th 3.87%Observations 15
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 0%Median 0%90th 206%Observations 21
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA4.53%43rd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −3.00%Median 5.25%90th 68.01%Observations 8
ROE
FDIC
NETINC + ROE4.63%43rd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −3.02%Median 5.35%90th 85.45%Observations 8
NIM
FDIC
NIM + NIMY3.82%57th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 0.69%Median 3.62%90th 9.76%Observations 8
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR18.77%71st percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 9.78%Median 61.33%90th 542.72%Observations 8
Leverage
FDIC
RBC1AAJ97.78%71st percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 68.68%Median 95.76%90th 99.13%Observations 8
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.