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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.42% | 1.40% | 1.61% | 1.47% | 1.45% | 1.42% | 1.12% | 1.21% | -26 bps | |
| Return on Equity | 13.33% | 13.02% | 14.51% | 13.51% | 13.56% | 13.43% | 12.12% | 13.72% | +21 bps | |
| Net Interest Margin | 1.56% | 1.57% | 1.64% | 1.65% | 1.66% | 1.64% | 1.45% | 1.46% | -19 bps | |
| Efficiency Ratio | 33.62% | 34.07% | 32.40% | 33.69% | 33.58% | 39.21% | 39.40% | 38.49% | +480 bps | |
| Non-Interest Burden | -0.61% | -0.56% | -0.66% | -0.47% | -0.41% | -0.02% | -0.11% | -0.11% | +36 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 | 0.90% | 0.88% | 0.85% | 0.73% | 0.66% | 0.60% | 0.10% | 0.26% | -47 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 |