New York, NY · Cert 33124 · Goldman Sachs Group Inc. the
State charter, Fed member · FED · 5 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 9.6% share · #2 of 151 inst. · $279.1B of $2921.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.02% | 1.34% | 1.61% | 1.33% | 1.41% | 1.32% | 1.12% | 1.26% | -8 bps | |
| Return on Equity | 9.40% | 12.15% | 14.51% | 12.43% | 13.62% | 13.02% | 12.12% | 15.30% | +287 bps | |
| Net Interest Margin | 1.61% | 1.67% | 1.64% | 1.74% | 1.81% | 1.66% | 1.45% | 1.58% | -15 bps | |
| Efficiency Ratio | 37.77% | 35.40% | 32.40% | 35.01% | 33.37% | 69.60% | 39.40% | 37.69% | +269 bps | |
| Non-Interest Burden | -0.18% | -0.45% | -0.66% | -0.31% | -0.32% | 1.14% | -0.11% | -0.11% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.27% | 7.69% | 8.93% | 14.72% | 13.68% | 14.94% | 25.62% | 21.33% | +661 bps | |
| Loan Growth (YoY) | 12.07% | 11.10% | 16.61% | 19.26% | 16.78% | 20.25% | 20.52% | 19.59% | +33 bps | |
| Deposit Growth (YoY) | 2.62% | 2.64% | 6.54% | 9.34% | 9.38% | 12.40% | 24.61% | 21.27% | +1,193 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.87% | 1.53% | 1.26% | 1.25% | 1.17% | 1.11% | 1.10% | 1.04% | -21 bps | |
| Net Charge-Offs / Loans | 1.04% | 0.90% | 0.85% | 0.64% | 0.55% | 0.55% | 0.10% | 0.42% | -22 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.85% | 10.97% | 10.91% | 10.33% | 9.95% | 9.76% | 8.78% | 7.67% | -266 bps | |
| Total Risk-Based Capital | 16.63% | 17.12% | 17.79% | 17.38% | 16.97% | 16.14% | 14.54% | 14.73% | -264 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 49.50% | 50.90% | 51.89% | 53.35% | 52.85% | 54.45% | 50.19% | 52.62% | -74 bps | |
| Liquid Assets / Assets | 5.49% | 5.71% | 5.95% | 5.33% | 5.84% | 5.53% | 5.78% | 6.02% | +69 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |