Goldman Sachs Bank USA
Goldman Sachs Bank USA reported total assets of $758.8 bn at Q2 2026, up 21.3% on a year earlier, the 5th largest of 497 banks in our US coverage. The CET1 capital ratio at Goldman Sachs Bank USA was 13.48%, and the uninsured share of Goldman Sachs Bank USA was 45.23%. Source: FDIC Call Reports.
Key takeaways
- On common equity tier 1 (CET1) ratio, Goldman Sachs Bank USA slipped from 79th to 197th among 448 US banks between and (1 = highest; FDIC Call Reports).
- Over the year to , the bank equity capital of Goldman Sachs Bank USA fell by 8.2% to $60.2 bn, a bigger fall than at 98% of covered banks (FDIC Call Reports).
What sets Goldman Sachs Bank USA apart
How large is Goldman Sachs Bank USA?
The balance sheet of Goldman Sachs Bank USA at : assets $758.8 bn, deposits $498.8 bn, net loans $247.6 bn (loans equal to 49.64% of deposits). Securities make up 18.1% of total assets at Goldman Sachs Bank USA. Since , when Goldman Sachs Bank USA held $143.4 bn, its assets grew 429.1%. In the year to , deposits at Goldman Sachs Bank USA rose 22.3% while its total assets rose 21.3%. At , Goldman Sachs Bank USA employed 4,355 full-time equivalent staff across 5 offices, about $174.2 mn of assets per employee and $99.8 bn of deposits per office.
How much funding at Goldman Sachs Bank USA is uninsured?
At Goldman Sachs Bank USA, uninsured deposits (above the FDIC limit) made up 45.23% of domestic deposits at (+2.96 pp on a year earlier); Goldman Sachs Bank USA ranks 134th of 500 on this measure. In dollars, Goldman Sachs Bank USA estimated $214.0 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $498.8 bn | +22.3% | 7th of 499 |
| Net loans and leases | $247.6 bn | +21.1% | 9th of 500 |
| Loan-to-deposit ratio | 49.64% | -0.49 pp | 473rd of 500 |
| Tier 1 leverage ratio | 7.67% | -2.66 pp | 482nd of 500 |
| Total risk-based capital ratio | 14.73% | -2.64 pp | 193rd of 448 |
| Net interest margin | 1.78% | -0.21 pp | 485th of 500 |
| Return on assets (ROA) | 1.21% | -0.26 pp | 305th of 500 |
| Efficiency ratio | 38.49% | +4.80 pp | 52nd of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $6.0 mn | Turned from a gain into a loss | |
| Unrealized gain/loss on available-for-sale securities | Loss of $520.0 mn | Widened by $461.0 mn | |
| Noncurrent loans to total loans | 1.04% | -0.21 pp | 369th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.27% | -0.49 pp | 384th of 500 (1 = lowest) |
US rank of Goldman Sachs Bank USA: 1 = highest unless marked 1 = lowest.
Balance sheet
Goldman Sachs Bank USA: assets, deposits and loans
- Total assets $759bn
- Deposits $499bn
- Net loans $248bn
Capital and securities
The CET1 ratio of Goldman Sachs Bank USA stood at 13.48% in , -2.79 pp year on year. Low and high at Goldman Sachs Bank USA since : 10.51% () to 16.67% (). Equity capital of Goldman Sachs Bank USA at : $60.2 bn, or 7.9% of total assets. Goldman Sachs Bank USA also reported a total capital ratio of 14.73% for , and a tier 1 leverage ratio of 7.67%.
On held-to-maturity securities, Goldman Sachs Bank USA carried an unrealized loss of $6.0 mn at , equal to 0.0% of equity capital. The loss turned from a gain into a loss over the year. Its deepest point: $420.0 mn in . The available-for-sale portfolio of Goldman Sachs Bank USA showed an unrealized loss of $520.0 mn at ; the loss widened by $461.0 mn over the year.
Goldman Sachs Bank USA: capital ratios
- Total capital 15%
- CET1 13%
- Tier 1 leverage 7.7%
Goldman Sachs Bank USA: unrealized securities gains and losses
- Available for sale -$520mn
- Held to maturity -$6mn
Profitability and loan quality
For the year to , Goldman Sachs Bank USA earned a return on equity of 13.72%; return on assets: 1.21%. Net interest margin at Goldman Sachs Bank USA: 1.78%, -0.21 pp in a year. Goldman Sachs Bank USA net income: $4.3 bn, down 1.0% year on year. The efficiency ratio of Goldman Sachs Bank USA was 38.49%: about 38 cents cost per revenue dollar, against 54 cents at the median peer.
At , noncurrent loans were 1.04% of total loans at Goldman Sachs Bank USA; net charge-offs: 0.27% of average loans. Gross loans and leases at Goldman Sachs Bank USA: $249.0 bn, up 19.6% in a year.
Goldman Sachs Bank USA: profitability
- Return on equity 14%
- Net interest margin 1.8%
- Return on assets 1.2%
Peer group of Goldman Sachs Bank USA
The peer group of Goldman Sachs Bank USA is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 0 share the charter type of Goldman Sachs Bank USA (state member bank), 6 sit in the same size group (over $100 bn) and 0 have head offices in New York. Against them, Goldman Sachs Bank USA shows CET1 ratio 13.48% against a peer median of 12.50%, return on equity 13.72% against a peer median of 12.35% and uninsured deposit share 45.23% against a peer median of 47.97%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Bank of America | National bank | NC | $2,654.6 bn | 12.10% | 12.31% | 45.36% | |
| Citibank | National bank | SD | $1,976.2 bn | 13.79% | 11.69% | 82.47% | |
| Wells Fargo Bank | National bank | SD | $1,907.9 bn | 12.06% | 14.88% | 50.57% | |
| Goldman Sachs Bank USA | State member bank | NY | $758.8 bn | 13.48% | 13.72% | 45.23% | |
| U.S. Bank | National bank | OH | $705.6 bn | 12.91% | 12.38% | 53.09% | |
| Capital One | National bank | VA | $662.2 bn | 13.21% | 11.35% | 20.82% | |
| PNC Bank | National bank | DE | $609.8 bn | 11.20% | 12.59% | 44.83% | |
. FDIC Call Reports.
Last eight quarters
Two years at Goldman Sachs Bank USA, to : assets +33.9%, deposits +28.2%, equity -1.9%. Staff 4,090 to 4,355; offices 6 to 5.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $566.5 bn | $561.2 bn | $598.5 bn | $625.4 bn | $644.0 bn | $645.0 bn | $751.8 bn | $758.8 bn |
| Total deposits | $389.0 bn | $389.7 bn | $407.1 bn | $407.8 bn | $424.8 bn | $438.3 bn | $504.8 bn | $498.8 bn |
| Bank equity capital | $61.3 bn | $63.0 bn | $65.7 bn | $65.6 bn | $65.5 bn | $65.3 bn | $64.0 bn | $60.2 bn |
| CET1 ratio | 15.54% | 16.03% | 16.67% | 16.27% | 15.87% | 15.63% | 14.05% | 13.48% |
| Return on equity (ROE) | 13.33% | 13.02% | 14.51% | 13.51% | 13.56% | 13.43% | 12.12% | 13.72% |
| Uninsured share of domestic deposits | 41.14% | 45.91% | 42.61% | 42.28% | 41.86% | 42.56% | 44.00% | 45.23% |
| Full-time equivalent employees | 4,090 | 4,136 | 4,340 | 4,316 | 4,432 | 4,413 | 4,409 | 4,355 |
| Number of offices | 6 | 5 | 5 | 5 | 5 | 5 | 5 | 5 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Goldman Sachs Bank USA appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Goldman Sachs Bank USA?
Goldman Sachs Bank USA reported $758.8 bn at in its Call Report. That makes Goldman Sachs Bank USA the 5th largest of 497 banks in our US coverage.
Is Goldman Sachs Bank USA the same as its holding company?
No. This page covers Goldman Sachs Bank USA, FDIC certificate 33124; GOLDMAN SACHS GROUP INC THE (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Goldman Sachs Bank USA profitable?
Goldman Sachs Bank USA reported net income of $4.3 bn for the year to ; annualized return on equity: 13.72%. So yes: Goldman Sachs Bank USA made a profit over these months.
When is data for Goldman Sachs Bank USA next updated?
Figures from Goldman Sachs Bank USA for are due after .
Where can I check the figures for Goldman Sachs Bank USA?
In the FDIC BankFind Suite record for certificate 33124, and in the Call Reports of Goldman Sachs Bank USA (RSSD ID 2182786) at the FFIEC Central Data Repository.