# GOLDMAN SACHS BANK USA
NEW YORK, NY · FDIC certificate 33124 · asset band >$100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *lender to lenders*. Composite score 6 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $758.79B | |
| Deposits | $498.80B | |
| Loans and leases | $248.99B | |
| Total equity | $60.22B | |
| Loans / deposits | 49.64% (p28 of band) | 72.53% |
| Liquid assets / assets | 39.35% (p69 of band) | |
| Uninsured deposits / deposits | 42.91% (p53 of band) | 42.66% |
| Brokered deposits | 13.68% | |
| Wholesale funding | 26.93% (p91 of band) | |
| FHLB advances / assets | 0.72% | |
| Tier 1 leverage | 7.67% (p22 of band) | 9.44% |
| Unrealized securities loss / equity | -0.87% (p97 of band) | -9.97% |
| AOCI / equity | -0.83% (p50 of band) | |
| ROA (annualized) | 1.21% (p56 of band) | 1.18% |
| Net interest margin | 1.78% (p19 of band) | 3.14% |
| Efficiency ratio | 38.49% (p19 of band) | |
| Noncurrent loans | 1.04% (p66 of band) | 0.85% |
| Net charge-offs (annualized) | 0.09% (p28 of band) | |
| Reserve coverage of noncurrent | 53.90% | |
| Real estate % of loans | 13% | |
| Construction % of loans | 6.95% (p53 of band) | |
| Auto loans | $1.0M (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $132.34B (220% of equity) (p100 of band) | |
| Deposits YoY | 22.3% | |
| Employees | 4355 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)
- **loans-to-lenders >50% equity** (`conc_warehouse`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, NIM <2.5% |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 4 | capital falling |  |
| 2012-03 | 3 |  | capital falling |
| 2012-06 | 3 |  |  |
| 2012-09 | 4 | capital falling |  |
| 2012-12 | 4 |  |  |
| 2013-03 | 4 |  |  |
| 2013-06 | 3 |  | capital falling |
| 2013-09 | 4 | assets shrinking |  |
| 2013-12 | 4 |  |  |
| 2014-03 | 4 |  |  |
| 2014-06 | 3 |  | assets shrinking |
| 2014-09 | 3 |  |  |
| 2014-12 | 4 | capital falling |  |
| 2015-03 | 5 | loans-to-lenders >50% equity |  |
| 2015-06 | 4 |  | capital falling |
| 2015-09 | 4 |  |  |
| 2015-12 | 4 |  |  |
| 2016-03 | 5 | capital falling |  |
| 2016-06 | 6 | reserve under noncurrent |  |
| 2016-09 | 5 |  | capital falling |
| 2016-12 | 4 |  | reserve under noncurrent |
| 2017-03 | 5 | reserve under noncurrent |  |
| 2017-06 | 7 | deposits shrinking, assets shrinking |  |
| 2017-09 | 4 |  | reserve under noncurrent, deposits shrinking, assets shrinking |
| 2017-12 | 4 |  |  |
| 2018-03 | 5 | capital falling |  |
| 2018-06 | 4 |  | capital falling |
| 2018-09 | 5 | reserve under noncurrent |  |
| 2018-12 | 5 | capital falling | reserve under noncurrent |
| 2019-03 | 5 |  |  |
| 2019-06 | 4 |  | capital falling |
| 2019-09 | 4 |  |  |
| 2019-12 | 5 | capital falling |  |
| 2020-03 | 5 |  |  |
| 2020-06 | 6 | noncurrent p90 |  |
| 2020-09 | 6 |  |  |
| 2020-12 | 5 |  | capital falling |
| 2021-03 | 6 | reserve under noncurrent |  |
| 2021-06 | 6 | uninsured deposits >50% | reserve under noncurrent |
| 2021-09 | 4 |  | noncurrent p90, uninsured deposits >50% |
| 2021-12 | 5 | uninsured deposits >50% |  |
| 2022-03 | 5 | capital falling | uninsured deposits >50% |
| 2022-06 | 5 |  |  |
| 2022-09 | 4 |  | capital falling |
| 2022-12 | 5 | uninsured deposits >50% |  |
| 2023-03 | 6 | noncurrent p90 |  |
| 2023-06 | 5 |  | uninsured deposits >50% |
| 2023-09 | 6 | uninsured deposits >50% |  |
| 2023-12 | 5 |  | uninsured deposits >50% |
| 2024-03 | 5 |  |  |
| 2024-06 | 5 |  |  |
| 2024-09 | 6 | uninsured deposits leaving |  |
| 2024-12 | 4 |  | noncurrent p90, uninsured deposits leaving |
| 2025-03 | 4 |  |  |
| 2025-06 | 5 | capital falling |  |
| 2025-09 | 5 |  |  |
| 2025-12 | 6 | reserve under noncurrent |  |
| 2026-03 | 6 |  |  |
| 2026-06 | 6 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-14 [Goldman Sachs Bank USA Announces Redemption of 5.414% Fixed/Floating Rate Notes due May 21, 2027 and Floating Rate Notes due May 21, 2027 - Goldman Sachs](https://news.google.com/rss/articles/CBMivwFBVV95cUxOR3Y2OHpvNW5VWkZZOWxHekxydnRrMEZiZjVpSjl6bjNTdW5UWDZ6bmtLY0t1WW1MeVU0bkdmQ3ZqYzhleWtpTng3X0o0N2tSMmk3djhRUER0MENhaEs2RXpERlh1YlJtSDBtVHlfdWhHZVE5Y3oxMEY0RkZoUHZjZGR4eVRlbllFNUMwSWxmX28xTm44Qzlkcm9Od05ZZXpzcXVMV242MS02aDJuekhKUHBqTHhNMjY1OWoxdEUzSQ?oc=5) · Goldman Sachs
- 2026-09-01 [Best CD rates of September 2026: Earn up to 5.00% APY - CNBC](https://news.google.com/rss/articles/CBMiakFVX3lxTE05Rk8tUzJNSHB6LVlZZHZaYVAxZVVZWWVQWU4zQTZmb0Q5UEg3S2draXlqeC1DRjc5blAxZkJwbDM5NnlydGZEUjBaRjFhT2hucENzRGYxLWc2M2RqSGoxeHcwaURuSkF5VEHSAW9BVV95cUxOUks1LWZibHRZMEF3QVpWUllJZjVYTGJ0TV8yYnRsTnRuZ3NNbnFHQUtGUC1RcF9JOEhieExVLUNjbGZ6VUdEY09zY1hvSkdMMkd1RUh6UTB5TjhYd2ZNVEtyTk13OTdQM1ktbEVZTWM?oc=5) · CNBC
- 2025-10-23 [Best High-Yield Savings Accounts of September 2026: Up to 4.21% - NerdWallet](https://news.google.com/rss/articles/CBMif0FVX3lxTE1NdV9qYWliMjhwUER0ZE5VekVvZThtcDdxZ2RVRkFaajktOGUzT1FsX3hvRVBOU3ZXWTBkVlkyWXBsZ1pLcUNhemtyTm80U0ZDYXdtcnphVWFYYVYtZXpxMVlHcDlxTUE3bkMyRXJEUy1oLXMxazJ6SHdmSXdDRWs?oc=5) · NerdWallet
- 2024-08-08 [Mayer Brown advises Goldman Sachs Bank on debt financing to Stori - Mayer Brown](https://news.google.com/rss/articles/CBMirAFBVV95cUxOUWNQU0hZNERyNkkyMnZ5bWItaER2ZVM3WGZCXzUyOUJOQmQwUS1pNDZmQ2p4bDZpZXQyX0F6NmxZYkdkaXhZeGQxRjRLUjhqSXNyekJXUmlRX3hDQkMzR2p2OG9WZUZ2Nk1DV3luZEFYdjJvZkttM1c3NnRFT3pMTEY4cHZLT1ladzBzdzYyczFhdjZ6S3p5QnQwUDBWeDk2STF6VHZhNklIMUNC?oc=5) · Mayer Brown
- 2024-03-08 [Goldman Sachs says it will exit Japan transaction banking - Reuters](https://news.google.com/rss/articles/CBMirwFBVV95cUxOeE9UTlpWelNNWGRZNkh5RUpQMGNQUm1UdnJrZUdNU2NKR3VpQmlXeXdpTFl4LUZmclZOT3VZT284UmNfeHBIdVljV0tUWjROWS02QUxnYmdFM2hkR0xfcUtLeEhjZWhWOVJtbXRuLWdnbWJXckdrVHg5OHdiUHJsSXBrTFhldmloWEdsaUNsR052SXBPOTdhTTJtOHczVUpfZUtFODBNT0lQbFRkSVdR?oc=5) · Reuters
- 2024-02-22 [Onetime CFO contender Hammack leaves Goldman - Banking Dive](https://news.google.com/rss/articles/CBMiyAFBVV95cUxOcXhoWE5rd2NUYzc3NlRkcndRbUxjeF91UE9aMUU0MFNVSTFxREtKRnFHSlhHZ0ZScm82d0tla1l6cnFxWjhvc0J6SnFvQ1U2bU9zVGRfaTQ0TXhmLTd3Ymt4UWFaMTh4N3NEdnRDRWFDYjNFTGdUVFd5dDFBNmlGTjI3bXlIOHN6Vl8xTktKZDBFZ2lYbnZsTGc1ZXIwOEs5cFBfcUlJNjJGcVZYdERJLVdSeTVFRUtuMUp5ejBMV1NOY0hscm1aZw?oc=5) · Banking Dive
- 2018-04-15 [Marcus by Goldman Sachs Announces Acquisition of Clarity Money - Goldman Sachs](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQRzBjazRURDRxNnBRREZKVXVybVFHeV9pb01haFdhMW9IQlJUOTZIRHFjVnhCT0l6U082LXNxVmlONE1hUWVMSmdwY0lWWFYxRDJ5YTE5cVdNZWh6MUFXYUFfc2hLRDRQS2ZndVVSUXItZS1ZV1ExcGlmR3pWbFpkbWg5a3BJQzhmeGZv?oc=5) · Goldman Sachs
- 2018-04-20 [Cheniere Engages Joint Lead Arrangers to Arrange Debt Financing for the Corpus Christi Liquefaction Project - Cheniere Energy, Inc. | Investor Relations](https://news.google.com/rss/articles/CBMiugFBVV95cUxOa3JYSnl6UGZxaEMwMTVZdXNFeTlJTzRQUlhVN3F5SVlkRl9icmhrTVhuMUNLS0IxRTZrR19jZkdmWjB3d3hiRm9fY0ZyalkySWthUGI1cU9yRzVrTnNxc0pTd083Q3A5TlV2X3JTQThtZUtNRTkwVHIxeHBlSzBGUDItc01MNnYxQm5Lc3pvc1Q0ZTBRMFFxSFJmYmJGVXFvUGNhQ3gzOUZsOEFEMDBCSVpWcElaOUtobkE?oc=5) · Cheniere Energy, Inc. | Investor Relations

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33124 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/36.json (key "33124", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide