PackageTrendsPeer
Letter portraitLegal landscape

Goldman Sachs Bank USA

New York, NY · Cert 33124 · Goldman Sachs Group Inc. the

State charter, Fed member · FED · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=15). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

31

Q2 2024Q2 2026peer median (50)

Asset Quality

20

Q2 2024Q2 2026peer median (50)

Profitability

51

Q2 2024Q2 2026peer median (50)

Liquidity

38

Q2 2024Q2 2026peer median

Efficiency

93

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Goldman Sachs Bank USA

New York, NY · Cert 33124 · Goldman Sachs Group Inc. the

State charter, Fed member · FED · 5 branches

Q2 2026

$758.8BAssets
$249.0BLoans
$473.2BDeposits
$60.2BEquity
Loan mix
37%RE $33.4B37%C&I $33.5B26%Consumer $23.0BQ2 2025Q2 2026
Deposit mix
100%Interest-bearing $473.1B0%Noninterest $0.1BQ2 2025Q2 2026

NIM

5.72%Q2 ’244.96%Q2 ’254.40%Q2 ’26+6%-11%

Non-interest income vs. expense

1.12%Q2 ’241.07%Q2 ’250.98%Q2 ’26+44%+77%

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 9.6% share · #2 of 151 inst. · $279.1B of $2921.1B

14.6% New York
16.5% Salt Lake
0.0% Suffolk
0.0% Hudson

Executive Summary

  • Earnings: ROA of 1.21%, down 26 bps year over year; NIM at 1.46%.
  • Asset quality: problem loans at 1.04% of loans (-21 bps YoY), with net charge-offs at 0.26%.
  • Capital: tier 1 leverage ratio of 7.67%, down 266 bps from a year ago.
  • Funding: loans stand at 52.62% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.21%-26 bps YoY

Net Interest Margin (YTD, annualized)

1.46%-19 bps YoY

Efficiency Ratio (YTD, annualized)

38.49%+480 bps YoY

Tier 1 Leverage Ratio

7.67%-266 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.47%1.45%1.42%1.12%1.21%-26 bps
Return on Equity13.51%13.56%13.43%12.12%13.72%+21 bps
Net Interest Margin1.65%1.66%1.64%1.45%1.46%-19 bps
Efficiency Ratio33.69%33.58%39.21%39.40%38.49%+480 bps
Non-Interest Burden-0.47%-0.41%-0.02%-0.11%-0.11%+36 bps
Growth
Asset Growth (YoY)14.72%13.68%14.94%25.62%21.33%+661 bps
Loan Growth (YoY)19.26%16.78%20.25%20.52%19.59%+33 bps
Deposit Growth (YoY)9.34%9.38%12.40%24.61%21.27%+1,193 bps
Asset Quality
Nonperforming Loans / Loans1.25%1.17%1.11%1.10%1.04%-21 bps
Net Charge-Offs / Loans0.73%0.66%0.60%0.10%0.26%-47 bps
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.33%9.95%9.76%8.78%7.67%-266 bps
Total Risk-Based Capital17.38%16.97%16.14%14.54%14.73%-264 bps
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits53.35%52.85%54.45%50.19%52.62%-74 bps
Liquid Assets / Assets5.33%5.84%5.53%5.78%6.02%+69 bps
CRE / Total Capitaln/an/an/an/an/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Goldman Sachs Bank USA

New York, NY · Cert 33124 · Peer group: banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=15) · Goldman Sachs Group Inc. the

State charter, Fed member · FED · 5 branches

Q2 2026

$758.8BAssets
$249.0BLoans
$473.2BDeposits
$60.2BEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 93% of banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 2 of 15).
  • Widest gap: net interest margin trails 100% of banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 15 of 15).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.14%

Rank 4 of 15

Net Interest Margin

1.46%

Rank 15 of 15

Efficiency Ratio

38.49%

Rank 2 of 15

Equity / Assets

7.93%

Rank 13 of 15

Non-interest income vs. expense

$8.4B$7.6BINCOMEEXPENSE
Favorable gap of $0.8B · efficiency ratio beats 93% of banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 38.49%Peer median 55.4%Q2 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.14%0.74%0.98%1.14%Beats 73%4 / 15
Return on Equity14.40%5.21%8.81%10.53%Beats 80%3 / 15
Net Interest Margin1.46%1.76%2.56%3.09%Beats 0%15 / 15
Efficiency Ratio38.49%49.33%55.36%65.80%Beats 93%2 / 15
Asset Quality
Nonperforming Loans / Loans1.04%0.39%0.66%0.92%Beats 20%13 / 15
Net Charge-Offs / Loans0.13%0.01%0.03%0.10%Beats 20%13 / 15
Capital
Tier 1 Capital Ratio13.48%12.31%14.32%17.39%Beats 40%9 / 15
Total Risk-Based Capital Ratio14.73%13.34%14.76%19.29%Beats 40%9 / 15
Equity / Assets7.93%8.06%10.22%12.59%Beats 13%13 / 15
Liquidity & Funding
Loans / Deposits52.62%52.62%85.61%96.57%20th pctl12 / 15
Loans / Assets32.81%32.81%69.81%78.17%20th pctl12 / 15
Brokered Deposits / Depositsn/aNot reported for this institution