FDIC Cert #33124 · New York, New York · Est. 1990

Goldman Sachs Bank USA - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$645.0B
Total assets
A
Health grade · Excellent
1.42%
Return on assets
15.6%
Tier 1 capital

Data updated July 2026

The verdict

Goldman Sachs Bank USA earns a PlainBankData health grade of A (95/100), with well-capitalized at 15.63% Tier 1, profitable at 1.42% ROA, efficient (39% cost ratio).

#7
largest of 4,313 FDIC banks by assets
100th
percentile by asset size, nationally
15.63%
Tier 1 ratio - above the 10% well-capitalized line
70th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 33124 · NY A · 95/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MEGA · BOOK-FULL

  • GRADE-A A (95/100)
  • TOP-DECILE #307/4307
  • PHOTO-FINISH CIBC Bank USA · IL
  • TIER1-WELL 15.6% Tier 1
  • TEXAS-CLEAN 3.8% Texas
  • ROA-STRONG 1.42% ROA
  • SIZE-MEGA ≥$100B assets
  • BOOK-FULL 9/9 fields

Nearest health peer outside New York: CIBC Bank USA, IL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Goldman Sachs Bank USA

Lowest and highest poles plus nearest scored peers outside New York, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Charles Schwab Premi… · TX ·…95/100CIBC Bank USA · IL · near95/100Citizens Community B… · TN ·…95/100Goldman Sachs Bank USA · NY …95/100WestStar Bank · TX · near95/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Goldman Sachs Bank USA · July 2026

What Goldman Sachs Bank USA's Call Report plate shows

Goldman Sachs Bank USA (FDIC Cert #33124) carries a PlainBankData health grade of A at 95/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #307 of 4,307. Tier 1 capital prints at 15.63%, clearing the 10% well-capitalized line. The Texas Ratio is 3.80%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.42%. Balance-sheet scale is $645.0B, 7th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is CIBC Bank USA (IL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Goldman Sachs Bank USA

6 FAILURE resolutions in New York since 2000 (5 since 2008)

Goldman Sachs Bank USA's home state sits in the middle band of post-2000 FAILURE counts (6; 5 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Goldman Sachs Bank USA remains an active FDIC-insured reporter.

  • SIGNATURE BANK NEW YORK, NY 2023 → FLAGSTAR BANK, N.A.
  • USA BANK PORT CHESTER, NY 2010 → NEW CENTURY BANK
  • THE PARK AVENUE BANK NEW YORK, NY 2010 → VALLEY NATIONAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and New York banks.

How Goldman Sachs Bank USA's 95/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10095/100
Goldman Sachs Bank USA's composite health score
Tier 1 Capital Ratio (15.63%) 40/40
Return on Assets (ROA) (1.42%) 20/25
Texas Ratio (3.80%) 20/20
Efficiency Ratio (39.21%) 15/15

95 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$645.0B

Total balance-sheet footings

Total Deposits

$438.3B

Customer-funded liabilities

Net Loans

$226.6B

Outstanding loan book

Net Income

$8.7B

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 14.23% 15.63% 17.03%
Basel III capital ratios - Goldman Sachs Bank USA

Where Goldman Sachs Bank USA ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Goldman Sachs Bank USA's score of 95/100 falls in the highlighted band.

Goldman Sachs Bank USA: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

95 Top 7% higher than 93% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Goldman Sachs Bank USA 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Goldman Sachs Bank USA's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Goldman Sachs Bank USA's $645.0B falls in the highlighted band.

Safety ratios for Goldman Sachs Bank USA

Tier 1 capital ratio
Well-capitalized 10%

15.63% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
15.63%
Texas Ratio
3.80%
Equity Capital
$65.3B

What these ratios mean →

Earnings posture at Goldman Sachs Bank USA

Return on Assets (ROA)
70th percentile nationally
1.42%
Return on Equity (ROE)
13.43%
Efficiency Ratio
39.21%

What these mean →

Income & expense at Goldman Sachs Bank USA

$32.0B
Interest Income
$7.1B
Non-Interest Income
$7.0B
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Goldman Sachs Bank USA reports a Texas Ratio of 3.80% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

3.80% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Goldman Sachs Bank USA on FDIC BankFind →

Top banks in New York by total assets

Largest banks headquartered in New York
  1. 1
    Goldman Sachs Bank USA $645.0B

    New York, NY · Grade A

  2. 2
    The Bank of New York Mellon $381.0B

    New York, NY · Grade A

  3. 3
    Morgan Stanley Private Bank $254.7B

    Purchase, NY · Grade A

  4. 4
    Manufacturers and Traders Trust Compa… $212.9B

    Buffalo, NY · Grade A

  5. 5
    Flagstar Bank $87.5B

    Hicksville, NY · Grade D

Top 5 banks in New York ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to Goldman Sachs Bank USA by assets

Goldman Sachs Bank USA is closely matched in total assets by Capital One, U.S. Bank, PNC Bank, Truist Bank across 6 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 1.03%, versus Goldman Sachs Bank USA's own 1.42%; the average efficiency ratio is 58.32%, versus 39.21% here; and average Tier 1 capital sits at 13.79%, versus 15.63% at Goldman Sachs Bank USA. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.

At $645.0B in assets, Goldman Sachs Bank USA sits well above the $100 billion threshold at which the Dodd-Frank Act, as amended by the 2018 Economic Growth, Regulatory Relief, and Consumer Protection Act, applies enhanced prudential standards -- more frequent capital and liquidity stress testing and formal resolution ("living will") planning -- on top of the $10 billion threshold at which the CFPB, rather than the bank's primary prudential regulator, takes over direct supervision for consumer-protection compliance.

Closest banks to Goldman Sachs Bank USA nationally by total assets
  1. 1
    Capital One $658.5B

    Mclean, VA · Grade B

  2. 2
    U.S. Bank $676.1B

    Cincinnati, OH · Grade A

  3. 3
    PNC Bank $568.3B

    Wilmington, DE · Grade A

  4. 4
    Truist Bank $539.5B

    Charlotte, NC · Grade A

  5. 5
    The Bank of New York Mellon $381.0B

    New York, NY · Grade A

  6. 6
    State Street Bank and Trust Company $360.7B

    Boston, MA · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
Goldman Sachs Bank USA (this bank) NY $645.0B 1.42% 39.21% 15.63%
Capital One, National Association VA $658.5B 0.55% 52.98% 13.44%
U.S. Bank National Association OH $676.1B 1.18% 55.44% 13.02%
PNC Bank, National Association DE $568.3B 1.30% 57.53% 11.91%
Truist Bank NC $539.5B 1.04% 54.45% 11.78%
The Bank of New York Mellon NY $381.0B 1.31% 60.76% 16.33%
State Street Bank and Trust Company MA $360.7B 0.83% 68.78% 16.27%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($645.0B here), outside New York so the neighborhood is not state containment.

Capital One $658.5B · VA U.S. Bank $676.1B · OH PNC Bank $568.3B · DE Truist Bank $539.5B · NC

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Goldman Sachs Bank USA (FDIC Cert #33124) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Goldman Sachs Bank USA Call Report profile · FDIC Failed Bank List · New York FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in New York

All New York banks →
BankAssetsGradeROA
The Bank of New York MellonNew York $381.0B A 1.31%
Morgan Stanley Private Bank, National AssociationPurchase $254.7B A 1.10%
Manufacturers and Traders Trust CompanyBuffalo $212.9B A 1.40%
Flagstar Bank, National AssociationHicksville $87.5B D -0.14%
Bank of ChinaNew York $61.9B F 0.00%
Deutsche Bank Trust Company AmericasNew York $43.0B A 1.86%
State Bank of IndiaNew York $22.6B F 0.00%
Apple BankNew York $19.2B C 0.34%