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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · New York, the state note

Goldman Sachs Bank USA

New York, New York · $758.79B in assets · beside the 11 other New York banks over $10B

The filing

49.9%
Loans / deposits
2nd of 12
38.5%
Efficiency
2nd of 8
21.4%
CRE / capital
2nd of 8

Goldman Sachs Bank USA is the largest of the 12 New York banks nearest its size over $10B, with $758.79B in assets at 30 June 2026. Loans are 49.9% of deposits, 2nd of 12 against a median of 79.5%, and equity is 7.9% of assets, 6th of 8. Loans grew +19.6% in the year, 5th of 12, and deposits grew 22.3%; the cohort's median loan growth is +8.6%.

Noncurrent loans are 1.04% of the book, 9th of 12 against a median of 0.56%; 0.29% is 30 to 89 days past due, and the allowance covers them 0.5 times. Net charge-offs are 0.26% of loans, 6th of 8. Commercial real estate is 5.4% of loans, 4th of 12 against a median of 10.6%, and 21% of capital, below the 300% screen, with construction at 6% against the 100% screen.

Return on assets is 1.12%, 5th of 8 against a median of 1.13%, on an efficiency ratio of 38.5%, 2nd of 8. Five years ago it was 0.99%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Loans as a share of depositsNY banks over $10B · 30 June 2026 · lower is stronger, listed first
median 79.5% Bo Bank of New York Mellon 12.5% GS Goldman Sachs Bank USA 49.9% SC Standard Chartered Bank PLC 52.6% DB Deutsche Bank Trust Co. Americas 55.1% Bo Bank of China 71.1% CB Community Bank National Association 75.9% MT Manufacturers & Traders Trust Co. 83.2% AB Apple Bank 85.6% MS Morgan Stanley Private Bank N.A. 88.5% FB Flagstar Bank National Association 90.6% SB State Bank of India 107.5% BB Banco Bilbao Vizcaya Sa 201.3%
Loans, year over yearNY banks over $10B · 30 June 2026 · no better direction, largest first
median +8.6% BB Banco Bilbao Vizcaya Sa +64.1% Bo Bank of New York Mellon +31.6% SC Standard Chartered Bank PLC +24.4% MS Morgan Stanley Private Bank N.A. +19.9% GS Goldman Sachs Bank USA +19.6% Bo Bank of China +9.9% CB Community Bank National Association +7.3% AB Apple Bank +6.6% MT Manufacturers & Traders Trust Co. +5.2% SB State Bank of India -1.4% DB Deutsche Bank Trust Co. Americas -3.7% FB Flagstar Bank National Association -5.0%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Goldman Sachs Bank USARankCohort median
Total CRE against capital, the 300% screen21%2nd of 872%
Construction against capital, the 100% screen6%5th of 86%
Construction and land development, share of loans1.7%6th of 122.0%
Non-owner-occupied nonfarm nonresidential, share of loans2.8%1st of 88.4%
Total CRE, the guidance definition, share of loans5.4%4th of 1210.6%
CRE growth over 36 months, the third prong+17.2%8th of 11+4.6%
Commercial real estate against capital, the 300% screenNY banks over $10B · 30 June 2026 · lower is stronger, listed first
median 72% Bo Bank of New York Mellon 21% GS Goldman Sachs Bank USA 21% DB Deutsche Bank Trust Co. Americas 40% MS Morgan Stanley Private Bank N.A. 40% MT Manufacturers & Traders Trust Co. 104% CB Community Bank National Association 201% FB Flagstar Bank National Association 328% AB Apple Bank 436%
CRE growth over 36 months, the guidance's third prongNY banks over $10B · 30 June 2026 · lower is stronger, listed first
median +4.6% Bo Bank of China -34.3% FB Flagstar Bank National Association -32.3% MT Manufacturers & Traders Trust Co. -27.4% DB Deutsche Bank Trust Co. Americas -9.3% Bo Bank of New York Mellon +2.6% MS Morgan Stanley Private Bank N.A. +4.6% AB Apple Bank +5.4% GS Goldman Sachs Bank USA +17.2% CB Community Bank National Association +31.8% SC Standard Chartered Bank PLC +292.1% BB Banco Bilbao Vizcaya Sa +1219.6%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Goldman Sachs Bank USA$758.79B1.1%38.5%1.04%0.26%0.6%49.9%7.9%
Bank of New York Mellon$425.12B1.6%57.6%0.04%-0.05%0.4%12.5%6.9%
Morgan Stanley Private Bank N.A.$250.43B1.1%25.0%0.20%0.01%0.2%88.5%6.8%
Manufacturers & Traders Trust Co.$218.79B1.4%53.9%1.35%0.26%1.5%83.2%12.9%
Flagstar Bank National Association$87.71B0.1%89.9%4.97%0.58%1.4%90.6%9.3%
Standard Chartered Bank PLC$69.15Bno recordno record0.60%no recordno record52.6%no record
Banco Bilbao Vizcaya Sa$58.37Bno recordno record0.51%no recordno record201.3%no record
Bank of China$48.52Bno recordno record1.63%no recordno record71.1%no record
Deutsche Bank Trust Co. Americas$40.53B1.0%63.7%0.92%0.00%0.2%55.1%24.5%
State Bank of India$22.51Bno recordno record0.00%no recordno record107.5%no record
Apple Bank$19.89B0.4%80.2%0.44%0.04%0.4%85.6%8.1%
Community Bank National Association$17.45B1.2%58.0%0.50%0.11%0.8%75.9%9.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Goldman Sachs Bank USACohort median
20212026Change20212026Change
Loans$105.79B$248.99B+135%$14.32B$34.52B+141%
Deposits$282.18B$498.80B+77%$32.20B$42.48B+32%
NPA / loans1.77%1.04%-0.72 pts0.45%0.56%+0.11 pts
Efficiency49.4%38.5%-10.9 pts58.7%57.8%-0.9 pts
ROA0.99%1.12%+0.13 pts1.04%1.13%+0.09 pts

This read was prepared for Goldman Sachs Bank USA's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Goldman Sachs Bank USA is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort NY banks over $10B
Institution www.marcus.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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