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Goldman Sachs Trust Company, National Association, The

Wilmington, DE · Cert 57337

FDIC

Q2 2026

$198.2MAssets
$0KLoans
$0KDeposits
$146.2MEquity

Executive Summary

  • Earnings: ROA of 46.87%, up 127 bps year over year; NIM at 2.94%.
  • Capital: tier 1 leverage ratio of 82.94%, down 213 bps from a year ago.

Return on Assets (quarter, annualized)

46.87%+127 bps YoY

Net Interest Margin (quarter, annualized)

2.94%-54 bps YoY

Efficiency Ratio (quarter, annualized)

48.70%+98 bps YoY

Tier 1 Leverage Ratio

82.94%-213 bps YoY

NIM

4.16%Q2 ’243.47%Q2 ’252.94%Q2 ’26-16%-15%

Non-interest income vs. expense

56.36%Q2 ’2456.75%Q2 ’2561.13%Q2 ’26-2%-5%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets52.75%72.05%51.81%45.60%54.47%65.52%53.52%46.87%+127 bps
Return on Equity72.87%100.93%66.74%58.67%76.27%93.67%70.82%62.84%+417 bps
Net Interest Margin4.65%4.63%3.63%3.47%3.69%3.73%2.96%2.94%-54 bps
Efficiency Ratio47.69%41.48%48.78%47.72%46.97%46.48%47.74%48.70%+98 bps
Non-Interest Burden-55.84%-97.05%-66.81%-58.70%-57.37%-84.28%-69.38%-61.45%-275 bps
Growth
Asset Growth (YoY)9.78%12.54%12.01%11.38%13.27%9.88%13.69%15.58%+420 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio48.13%83.93%86.57%85.07%46.01%79.03%84.20%82.94%-213 bps
Total Risk-Based Capital203%233%264%263%192.07%222%250%243%-2,034 bps
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a