Goldman Sachs Bank USA: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Subordinated notes and debentures climbed 15217.4% in Q2 2026, from $23.0M to $3.52B. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Goldman Sachs Bank USA is 11th from the bottom among 105 New York banks, 49.92% (Q2 2026). Goldman Sachs Bank USA reported 49.92% on loan-to-deposit ratio for Q2 2026, 11.77 points below the 61.69% median for banks in the >= $250B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $125.50B |
| Cash and noninterest-bearing balances to assets | 16.54% |
| Cash and securities | $262.87B |
| Fed funds sold and reverse repos | $35.69B |
| Fed funds sold and reverse repos to assets | 4.70% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $49.92B |
| Other borrowed money | $50.67B |
| Subordinated notes and debentures | $3.52B |
| Other borrowed money to assets | 6.68% |
| Trading liabilities | $47.95B |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 49.92% |
| Net loans and leases to deposits | 49.64% |
| Loans and leases to core deposits | 59.13% |
| Core deposits to total deposits | 66.31% |
| Brokered deposits to total deposits | 20.81% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 43.63% | 75.21% | $32.41B | $11.23B |
| Q4 2023 | 44.71% | 70.56% | $18.41B | $9.87B |
| Q1 2024 | 45.29% | 71.62% | $27.04B | $13.14B |
| Q2 2024 | 46.77% | 71.27% | $25.77B | $21.05B |
| Q3 2024 | 47.14% | 70.29% | $22.30B | $26.45B |
| Q4 2024 | 48.66% | 71.92% | $22.89B | $32.82B |
| Q1 2025 | 49.31% | 70.33% | $19.17B | $29.59B |
| Q2 2025 | 51.05% | 70.00% | $24.58B | $32.82B |
| Q3 2025 | 50.42% | 70.23% | $24.68B | $39.97B |
| Q4 2025 | 52.03% | 68.71% | $16.39B | $47.62B |
| Q1 2026 | 47.92% | 68.23% | $19.63B | $45.76B |
| Q2 2026 | 49.92% | 66.31% | $49.92B | $50.67B |
Goldman Sachs Bank USA liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Goldman Sachs Bank USA, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Goldman Sachs Bank USA profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33124) · FFIEC NIC profile (RSSD 2182786)