Goldman Sachs Bank USA: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 1.99 percentage points in Q2 2026, from 47.92% to 49.92%. It was the largest change from Q1 2026 among the key lines here. Goldman Sachs Bank USA has the 11th lowest loan-to-deposit ratio of the 105 banks headquartered in New York, at 49.92% as of Q2 2026. The median for banks in the >= $250B asset tier is 61.69% on loan-to-deposit ratio. Goldman Sachs Bank USA sits 11.77 points lower, at 49.92% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $248.99B |
| Net loans and leases | $247.59B |
| Loans held for sale | $31.30B |
| Loans to total assets | 32.81% |
| Loan-to-deposit ratio | 49.92% |
| Net loans to equity capital | 4.11% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 2.85% |
| Multifamily (5+ residential) | 0.90% |
| Commercial and industrial | 12.00% |
| Consumer | 9.11% |
| Credit cards | 7.83% |
| Farm | 0.01% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.03% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 28.12% |
| Construction concentration (Tier 1 capital + allowance) | 6.90% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.98% |
| Interest income on loans | $4.43B |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $163.63B | $375.04B | 4.54% | 17.82% | 20.14% |
| Q4 2023 | $170.69B | $381.77B | 4.09% | 17.25% | 18.40% |
| Q1 2024 | $172.14B | $380.10B | 4.27% | 16.68% | 16.20% |
| Q2 2024 | $174.57B | $373.27B | 4.15% | 16.32% | 16.12% |
| Q3 2024 | $183.38B | $389.00B | 3.63% | 15.62% | 15.69% |
| Q4 2024 | $189.64B | $389.73B | 3.42% | 13.53% | 16.13% |
| Q1 2025 | $200.74B | $407.09B | 3.27% | 13.69% | 14.82% |
| Q2 2025 | $208.20B | $407.84B | 3.83% | 11.38% | 11.70% |
| Q3 2025 | $214.15B | $424.77B | 3.75% | 11.42% | 10.96% |
| Q4 2025 | $228.05B | $438.33B | 3.49% | 11.33% | 10.04% |
| Q1 2026 | $241.93B | $504.82B | 3.34% | 13.86% | 9.50% |
| Q2 2026 | $248.99B | $498.80B | 2.85% | 12.00% | 9.11% |
Goldman Sachs Bank USA loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Goldman Sachs Bank USA, freeSource: Call Report Schedule RC-C, 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)