Goldman Sachs Bank USA
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Data as of · sourced from FFIEC call reports. How we update
Goldman Sachs Bank USA is an FDIC-insured commercial bank headquartered in New York, NY, established in 1990 (FDIC certificate 33124), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $758.79B, up 21.3% from Q2 2025, the largest of 105 banks headquartered in New York. Its CET1 capital ratio was 13.48% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 33124
- Headquarters
- New York, NY
- Established
- 1990
- Total assets, Q2 2026
- $758.79B
- Assets vs Q2 2025
- +21.3%
- CET1 ratio, Q2 2026
- 13.48%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 026014601
- Latest call report
- Q2 2026, FFIEC 031 · Goldman Sachs Bank USA call report
- Holding company
- GOLDMAN SACHS GROUP, INC., THE
- Asset rank in state
- 1st of 105 in New York
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 $250 billion or more 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%. The figures come from its call report filed with the FFIEC.
Goldman Sachs Bank USA ranks as the largest of the 105 banks based in New York, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.9% to $758.79B, loans rose 2.9% and deposits fell 1.2%. The largest part of its loan book on June 30, 2026 was loans to nondepository financial institutions, at 53.3% of total loans, ahead of commercial and industrial loans at 12.0%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities across 4 states; its New York office books 59% of its branch deposits. On its Q2 2026 call report, Goldman Sachs Bank USA meets every capital ratio test for well capitalized.
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
- Domestic offices
- 5 FDIC institution directory, current count
- 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 | PRES | 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Goldman Sachs Bank USA's total assets ran between $521.10B (Q4 2023) and $758.79B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$758.79B total assets against $625.41B; $698.57B total liabilities against $559.79B.
$247.59B net loans and leases against $204.43B; $498.80B total deposits against $407.84B.
$137.37B securities against $85.69B; $125.50B cash and balances due against $96.29B.
$8.91B total interest income against $7.93B; $5.84B total interest expense against $5.22B.
$3.07B net interest income against $2.71B.
$2.21B total noninterest income against $2.19B; $1.99B total noninterest expense against $1.72B.
$80.0M provision for credit losses against $375.0M.
$2.37B net income against $2.04B.
1.23% return on assets against 1.31%; 1.74% net interest margin against 1.95%.
13.48% CET1 capital ratio against 16.27%; 7.67% tier 1 leverage ratio against 10.33%.
Inside the full Goldman Sachs Bank USA terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeGoldman Sachs Bank USA rankings
Its closest position to the top of a national ranking is 5 of 4,196, for total assets; its furthest is 1,258 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.02% (Q3 2024) to 1.57% (Q1 2025) and its net interest margin ran from 1.61% (Q1 2026) to 1.99% (Q3 2025).
| 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
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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 176 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.
- Not on file
- SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Goldman Sachs Bank USA headquartered?
It is headquartered in New York, NY, United States.
When was Goldman Sachs Bank USA founded?
It was established in 1990, per the FDIC institution directory.
Is Goldman Sachs Bank USA FDIC-insured?
Yes. It 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.
What is Goldman Sachs Bank USA's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 4.30% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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