Goldman Sachs Bank USA: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Goldman Sachs Bank USA of New York, NY against its peer group of 18 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.23% | 1.34% | -0.11% | 47th below |
| ROAE | 15.30% | 14.84% | +0.46% | 65th above |
| Net Interest Margin | 1.74% | 2.92% | -1.18% | 18th bottom |
| Efficiency Ratio | 37.69% | 53.77% | -16.08% | 82nd top |
| PPNR / Avg Assets | 1.70% | 1.89% | -0.19% | 47th below |
| Yield on Earning Assets | 5.07% | 4.88% | +0.19% | 76th top |
| Cost of Funds | 3.85% | 2.05% | +1.80% | 0th bottom |
| Net Interest Spread | 1.09% | 2.30% | -1.21% | 6th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Behind the peer average, ahead of the median peer. | 0.91% | 0.88% | +0.03% | 59th above |
| NPA / Total Assets | 0.30% | 0.43% | -0.13% | 71st above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.41% | 0.62% | -0.21% | 41st below |
| ACL / Total Loans | 0.56% | 1.60% | -1.04% | 29th below |
| ACL / NPLs (Coverage) | 61.76% | 188.81% | -127.05% | 18th bottom |
| Texas Ratio | 4.32% | 6.43% | -2.11% | 71st above |
| Provision / NCO | 79.13% | 110.09% | -30.96% | 7th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 17.86% | 15.57% | +2.29% | 76th top |
| Tier 1 Ratio | 17.86% | 15.60% | +2.26% | 76th top |
| Total Capital Ratio | 19.04% | 16.35% | +2.69% | 82nd top |
| Leverage Ratio | 7.67% | 8.12% | -0.45% | 29th below |
| Equity / Assets | 7.93% | 9.35% | -1.42% | 24th bottom |
| TCE / Tangible Assets Ahead of the peer average, behind the median peer. | 7.79% | 7.72% | +0.07% | 41st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 49.92% | 58.79% | -8.87% | 71st above |
| Core Deposit Ratio | 66.31% | 78.86% | -12.55% | 12th bottom |
| Uninsured Deposit Ratio | 42.91% | 46.22% | -3.31% | 59th above |
| Wholesale Funding Ratio | 13.72% | 8.48% | +5.24% | 0th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 21.33% | 8.69% | +12.64% | 82nd top |
| Loan Growth (Y/Y) | 19.59% | 10.88% | +8.71% | 65th above |
| Deposit Growth (Y/Y) | 22.30% | 7.62% | +14.68% | 82nd top |
See Goldman Sachs Bank USA's peers by name
The 18 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Goldman Sachs Bank USA, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Goldman Sachs Bank USA profile, how to read a UBPR, or how this data updates.