Goldman Sachs Bank USA: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Goldman Sachs Bank USA is the 5th-largest bank in the United States, with $758.8 billion in assets at June 30, 2026, up 21.3% from a year earlier. It is headquartered in New York, New York. It pays an average of 3.85% on its deposits and borrowings, about double the median of 1.94% for the 18 US banks with more than $250 billion in assets. On the other hand, it spends about 38 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 54 cents).
Net income for the quarter rose 16% from a year earlier, to $2.4 billion. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.04% of loans, down from 1.25% a year earlier. Its margin is thin by comparison: it keeps 1.74 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 2.88 cents).
As of June 30, 2026, Goldman Sachs Bank USA reported a CET1 capital ratio of 13.48%, a return on assets of 1.23%, a nonperforming-loan ratio of 1.04% and a Texas ratio of 4.30%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 200 West St, New York, NY 10282
- County
- New York
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- August 30, 1990
- Offices
- 5 domestic
- Employees (FTE)
- 4,355
- Domestic deposits
- $473.20B
- Allowance for credit losses
- $1.40B
- Net charge-offs (YTD)
- $321.0M
- Average total assets
- $774.68B
- Average total loans
- $253.69B
- Average interest-bearing deposits
- $524.59B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- November 28, 2008
- FDIC Cert
- 33124
- Fed RSSD
- 2182786
- SEC CIK
- 886982 → filed by GOLDMAN SACHS GROUP, INC., THE
- Website
- www.marcus.com →
- Parent Holding Company
- GOLDMAN SACHS GROUP, INC., THE (RSSD 2380443) · GS
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| David M Solomon | CEO | Chairman of the Board and CEO |
| John E. Waldron | COO | President and COO |
| Denis P. Coleman | CFO | Chief Financial Officer |
| Kathryn H. Ruemmler | GC | Chief Legal Officer, GC |
| Alex S Golten | CRO | CHIEF RISK OFFICER |
| Carey Halio | TREAS | Global Treasurer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Goldman Sachs Bank USA: Uninsured deposits, Efficiency ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.48% | 1.23% | 1.04% | 4.30% | 1.74% |
| Q1 2026 | 14.05% | 1.10% | 1.10% | 4.13% | 1.61% |
| Q4 2025 | 15.63% | 1.30% | 1.11% | 3.87% | 1.83% |
| Q3 2025 | 15.87% | 1.38% | 1.17% | 3.67% | 1.99% |
| Q2 2025 | 16.27% | 1.31% | 1.25% | 3.82% | 1.95% |
| Q1 2025 | 16.67% | 1.57% | 1.26% | 3.70% | 1.83% |
| Q4 2024 | 16.03% | 1.33% | 1.53% | 4.40% | 1.84% |
| Q3 2024 | 15.54% | 1.02% | 1.87% | 5.34% | 1.78% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 5 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Goldman Sachs Bank USA (main office) | New York , NY | 10282 | $279.12B |
| Salt Lake City Branch | Salt Lake City , UT | 84111 | $194.09B |
| Boston Branch | Boston , MA | 02110 | $0 |
| Jersey City Trust Branch | Jersey City , NJ | 07302 | $0 |
| Draper Branch | Draper , UT | 84020 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 16, 2016 | M&A | Acquired Ge Capital Financial Inc. sale_of_assets for the acquired bank | SEC |
| April 16, 2016 | Structure Change | Acquired Ge Capital Financial Inc. Sale of Assets for the acquired bank | FFIEC NIC |
| January 7, 2009 | M&A | Acquired Goldman Sachs Capital Markets L.L.C. merger for the acquired bank | SEC |
| January 7, 2009 | Structure Change | Acquired Goldman Sachs Capital Markets L.L.C. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 28, 2008 | M&A | merger | SEC |
| November 28, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 28, 2008 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 7 events.
Regulatory record
What the public regulatory sources show for Goldman Sachs Bank USA, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 2 against the institution (Federal Reserve)
- January 12, 2018, Federal Reserve: Civil Money Penalty, $90,000: Goldman Sachs Bank USA, New York, New York
- September 1, 2011, Federal Reserve: Cease and Desist Order: The Goldman Sachs Group, Inc., New York, New York, Goldman Sachs Bank USA, New York, New York
- Period: Most recent institution action January 12, 2018. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 10.1% of deposits in NY, rank 2 of 180 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,637 applications, 1,015 loans originated, $2.92B originated, across 50 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- Not on file: no SBA 7(a) loans matched
- Period: not on file. Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Goldman Sachs Bank USA
What are Goldman Sachs Bank USA's total assets?
As of the Q2 2026 filing, Goldman Sachs Bank USA reported total assets of $758.79 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Goldman Sachs Bank USA headquartered?
Goldman Sachs Bank USA is headquartered in New York, NY, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Goldman Sachs Bank USA founded?
Goldman Sachs Bank USA was established in 1990, per the FDIC institution directory.
Is Goldman Sachs Bank USA FDIC-insured?
Yes. Goldman Sachs Bank USA is an FDIC-insured commercial bank (FDIC Certificate #33124). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Goldman Sachs Bank USA?
Goldman Sachs Bank USA's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Goldman Sachs Bank USA's CET1 capital ratio?
Goldman Sachs Bank USA reported a Common Equity Tier 1 (CET1) capital ratio of 13.48% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Goldman Sachs Bank USA operate?
Goldman Sachs Bank USA operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Goldman Sachs Bank USA's Texas Ratio?
Goldman Sachs Bank USA's Texas Ratio is 4.30% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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