The Goldman Sachs Trust Company, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Common equity tier 1 ratio dropped 7.38 percentage points in Q2 2026, from 249.94% to 242.56%. It was the largest change from Q1 2026 among the key lines here. The Goldman Sachs Trust Company, N.A.'s CET1 ratio of 242.56% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 227.49 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 242.56% |
| Tier 1 risk-based capital ratio | 242.56% |
| Total risk-based capital ratio | 242.56% |
| Tier 1 leverage ratio | 82.94% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $146.2M |
| Tier 1 capital | $146.2M |
| Total risk-based capital | $146.2M |
| Total equity capital | $146.2M |
| Risk-weighted assets | $60.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 73.79% |
| Tangible equity to tangible assets | 73.79% |
| Equity capital to average assets | 82.93% |
| Internal capital growth rate | 68.19% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.0M |
| Common stock surplus | $28.0M |
| Retained earnings | $116.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$27K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 201.82% | 201.82% | 201.82% | 46.70% | $34.4M |
| Q4 2023 | 224.01% | 224.01% | 224.01% | 79.41% | $38.8M |
| Q1 2024 | 265.40% | 265.40% | 265.40% | 87.78% | $38.7M |
| Q2 2024 | 268.53% | 268.53% | 268.53% | 84.88% | $44.4M |
| Q3 2024 | 202.80% | 202.80% | 202.80% | 48.13% | $37.0M |
| Q4 2024 | 232.73% | 232.73% | 232.73% | 83.93% | $41.5M |
| Q1 2025 | 264.50% | 264.50% | 264.50% | 86.57% | $43.2M |
| Q2 2025 | 262.90% | 262.90% | 262.90% | 85.07% | $50.3M |
| Q3 2025 | 192.07% | 192.07% | 192.07% | 46.01% | $43.1M |
| Q4 2025 | 222.22% | 222.22% | 222.22% | 79.03% | $47.1M |
| Q1 2026 | 249.94% | 249.94% | 249.94% | 84.20% | $50.0M |
| Q2 2026 | 242.56% | 242.56% | 242.56% | 82.94% | $60.3M |
The Goldman Sachs Trust Company, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Goldman Sachs Trust Company, N.A., freeSource: Call Report Schedule RC-R, 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 The Goldman Sachs Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 3066025)