The Goldman Sachs Trust Company, N.A.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
The Goldman Sachs Trust Company, N.A. carries far more capital than most banks of its size. Its balance sheet stood at $198 million at June 30, 2026, up 15.6% from a year earlier; it is based in Wilmington, Delaware. It holds common equity equal to 242.56% of its risk-weighted assets, 16.0 times the median of 15.12% for the 2,660 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
Net income for the quarter rose 18% from a year earlier, to $21 million. Its margin is thin by comparison: it keeps 3.38 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, The Goldman Sachs Trust Company, N.A. reported a CET1 capital ratio of 242.56%, a return on assets of 48.32% and a Texas ratio of 0.00%, according to its call report filed with the FFIEC.
Headquarters Profile
- Metro Area
- Philadelphia-Camden-Wilmington, Pa-NJ-De-MD
- Federal Reserve member
- —
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 031
- Employees (FTE)
- 61
- Domestic deposits
- $0
- Allowance for credit losses
- $0
- Net charge-offs (YTD)
- $0
- Average total assets
- $176.4M
- Average total loans
- $0
- Average interest-bearing deposits
- $0
- Fed RSSD
- 3066025
- SEC CIK
- 886982 → filed by GOLDMAN SACHS GROUP, INC., THE
- 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 annualizedAsset Quality
Capital & 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.
No provision recorded in the last 12 quarters.
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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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.
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 | 242.56% | 48.32% | — | 0.00% | 3.38% |
| Q1 2026 | 249.94% | 54.78% | — | 0.00% | 3.46% |
| Q4 2025 | 222.22% | 66.27% | — | 0.00% | 4.60% |
| Q3 2025 | 192.07% | 45.59% | — | 0.00% | 4.16% |
| Q2 2025 | 262.90% | 46.51% | — | 0.00% | 3.97% |
| Q1 2025 | 264.50% | 53.33% | — | 0.00% | 4.23% |
| Q4 2024 | 232.73% | 75.22% | — | 0.00% | 5.67% |
| Q3 2024 | 202.80% | 45.44% | — | 0.00% | 5.29% |
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Regulatory record
What the public regulatory sources show for The Goldman Sachs Trust Company, N.A., 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
- 8 against the institution (Federal Reserve); 2 against individuals associated with it
- October 22, 2020, Federal Reserve: Cease and Desist Order: The Goldman Sachs Group, Inc., New York, New York
- October 22, 2020, Federal Reserve: Civil Money Penalty: The Goldman Sachs Group, Inc., New York, New York
- May 1, 2018, Federal Reserve: Cease and Desist Order: The Goldman Sachs Group, Inc., New York, New York
- May 1, 2018, Federal Reserve: Civil Money Penalty, $54.75 million: The Goldman Sachs Group, Inc.
- January 12, 2018, Federal Reserve: Civil Money Penalty, $14,000,000: The Goldman Sachs Group, Inc., New York, New York
- Period: Most recent institution action October 22, 2020. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- Not on file: no SoD deposits in its home state
- Period: not on file. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. 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 The Goldman Sachs Trust Company, N.A.
What are The Goldman Sachs Trust Company, N.A.'s total assets?
As of the Q2 2026 filing, The Goldman Sachs Trust Company, N.A. reported total assets of $198.2 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Goldman Sachs Trust Company, N.A. headquartered?
The Goldman Sachs Trust Company, N.A. is headquartered in Wilmington, DE, United States. It files quarterly FFIEC call reports, as every FDIC-insured bank must.
What is The Goldman Sachs Trust Company, N.A.'s CET1 capital ratio?
The Goldman Sachs Trust Company, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 242.56% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
What is The Goldman Sachs Trust Company, N.A.'s Texas Ratio?
The Goldman Sachs Trust Company, N.A.'s Texas Ratio is 0.00% 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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