Goldman Sachs Bank USA: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 6.98 percentage points lower than in Q1 2026, at 61.76%. Goldman Sachs Bank USA ranks 34th of 105 New York banks on return on assets, in the upper half at 1.23% (Q2 2026). At 1.23%, Goldman Sachs Bank USA's return on assets is close to the 1.23% median for banks in the >= $250B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.86% |
| Tier 1 risk-based capital ratio | 17.86% |
| Total risk-based capital ratio | 19.04% |
| Tier 1 leverage ratio | 7.67% |
| Equity capital to assets | 7.93% |
| Tangible equity to tangible assets | 7.79% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.91% |
| Non-performing assets ratio | 0.30% |
| Net charge-off ratio | 0.41% |
| Texas ratio | 4.32% |
| Allowance for credit losses to loans | 0.56% |
| Reserve coverage of non-performing loans | 61.76% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.23% |
| Return on equity | 15.30% |
| Net interest margin | 1.74% |
| Efficiency ratio | 37.69% |
| Yield on earning assets | 5.07% |
| Cost of funds | 3.85% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 49.92% |
| Core deposits to total deposits | 66.31% |
| Brokered deposits to total deposits | 20.81% |
| Deposits to assets | 65.74% |
| Securities to assets | 18.10% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 17.95% | 17.95% | 18.99% | 10.20% | 1.18% |
| Q4 2023 | 18.61% | 18.61% | 19.63% | 10.27% | 0.83% |
| Q1 2024 | 20.36% | 20.36% | 21.47% | 10.21% | 1.67% |
| Q2 2024 | 22.13% | 22.13% | 22.49% | 10.65% | 1.52% |
| Q3 2024 | 21.00% | 21.00% | 21.32% | 10.85% | 1.02% |
| Q4 2024 | 21.79% | 21.79% | 22.13% | 10.97% | 1.33% |
| Q1 2025 | 22.19% | 22.19% | 22.60% | 10.91% | 1.57% |
| Q2 2025 | 21.33% | 21.33% | 21.74% | 10.33% | 1.31% |
| Q3 2025 | 20.84% | 20.84% | 21.21% | 9.95% | 1.38% |
| Q4 2025 | 20.89% | 20.89% | 21.11% | 9.76% | 1.30% |
| Q1 2026 | 18.14% | 18.14% | 18.32% | 8.78% | 1.10% |
| Q2 2026 | 17.86% | 17.86% | 19.04% | 7.67% | 1.23% |
Goldman Sachs Bank USA vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Goldman Sachs Bank USA, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)