Goldman Sachs Bank USA
New York, NY·RSSD 2182786·FDIC 33124·bank:2182786·Risk-based ratios where reported
- #1 of 127Total assets in New York
- #5 of 4,313Total assets in the U.S.
- 5offices
- 4,355employees
- Top 4%Efficiency in the U.S.
- #5 of 108Deposit growth in New York
- Top 8%Loan growth in the U.S.
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Goldman Sachs Bank USA
5 of 24 FORFI signals stand out against 52 similar banks, based on FDIC data for the quarter.
Leverage capital ratio falling while the peer median holds steadyWorth a look: Capital 2nd quarter7.67%peers 9.43%-1.8 pp
Goldman Sachs Bank USA's leverage ratio fell 2.7 percentage points over the past year to 7.67%. Among 52 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Leverage ratio | ||
| 7.67% | 9.43% | -1.8 pp |
| 12-month change | ||
| -2.7 pp | 0.0 pp | -2.7 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 52 banks with $50 billion or more in assets that filed FDIC data for the same quarter. Goldman Sachs Bank USA itself is left out of every peer median and percentile. How signals work
Deposit costs among the highest of similar banksWorth a look: Funding 2nd quarter3.44%peers 1.77%+167 bps
Goldman Sachs Bank USA's cost of all deposits was 3.44%, compared with a median of 1.77% among 50 similar banks: higher than 98% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all deposits | ||
| 3.44% | 1.77% | +167 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 52 banks with $50 billion or more in assets that filed FDIC data for the same quarter. Goldman Sachs Bank USA itself is left out of every peer median and percentile. How signals work
Net interest margin narrowing while the peer median widensWorth a look: Earnings 2nd quarter1.85%peers 3.32%-147 bps
Goldman Sachs Bank USA's net interest margin fell 22 bps over the past year to 1.85%. Among 50 similar banks, the median rose 9 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin | ||
| 1.85% | 3.32% | -147 bps |
| 12-month change | ||
| -22 bps | +9 bps | -31 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 52 banks with $50 billion or more in assets that filed FDIC data for the same quarter. Goldman Sachs Bank USA itself is left out of every peer median and percentile. How signals work
Net charge-offs falling faster than peersStrength: Asset quality 2nd quarter0.43%peers 0.26%+17 bps
Goldman Sachs Bank USA's annualized net charge-off rate fell 22 bps over the past year to 0.43%. Among 50 similar banks, the median fell 2 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized net charge-off rate | ||
| 0.43% | 0.26% | +17 bps |
| 12-month change | ||
| -22 bps | -2 bps | -20 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 52 banks with $50 billion or more in assets that filed FDIC data for the same quarter. Goldman Sachs Bank USA itself is left out of every peer median and percentile. How signals work
1 more observation
- Unrealized securities position worsening while the peer median improvesCapital
Key facts
- Goldman Sachs Bank USA is a bank headquartered in New York, New York. It reported $759 billion in total assets for the quarter ended June 30, 2026.
- Deposits totaled $499 billion, up 22.3% from a year earlier, and loans totaled $249 billion, up 19.6%.
- Its net interest margin was 1.85% and its annualized return on assets was 1.26% for the quarter.
- Its cost of all deposits was 3.44%, compared with a median of 1.77% among 50 similar banks with $50 billion or more in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Goldman Sachs Bank USA's own data, FORFI would look at: Which balance-sheet segments consume or release capital, relationship by relationship.
Analysis workspaces
Sources and identifiers
- Institution
- Goldman Sachs Bank USA · Bank
- Federal Reserve RSSD
- 2182786
- FDIC certificate
- 33124
- Reporting period
- Peer group
- 52 banks with $50 billion or more in assets that filed FDIC data for the same quarter. Goldman Sachs Bank USA itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $2.37B | — | |
| $8.91B | — | |
| $5.84B | — | |
| $3.07B | — | |
| $2.21B | — | |
| $1.99B | — | |
| $76M | — | |
| $80M | — | |
| 1.26% | 1.26%ROAQ · Quarter | |
| 1.85% | 1.85%NIMYQ · Quarter | |
| 37.69% | 37.69%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.