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Goldman Sachs Bank USA
New York, NY·FDIC Cert #33124·Charter: STATE·Est. 19900830.0·HC: GOLDMAN SACHS GROUP INC THE
Total Assets
$645.0B
Q4 2025
Return on Assets
1.42%
-0.03%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
39.21%
Peer avg: 52.8%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
70
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.42%-0.03
ROE
13.43%-0.13
Efficiency
39.21%+5.63
Equity/Assets
0.00%+0.00
NPL Ratio
1.12%-0.07
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
51.69%+2.17
Charge-offs
0.66%-0.03
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.7 | 1.6 | 1.4 | 1.4 | 1.6 | 1.5 | 1.5 | 1.4 |
| ROE | 16.5 | 15.4 | 13.3 | 13.0 | 14.5 | 13.5 | 13.6 | 13.4 |
| Efficiency | 32.6 | 31.9 | 33.6 | 34.1 | 32.4 | 33.7 | 33.6 | 39.2 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 2.1 | 2.0 | 1.9 | 1.6 | 1.3 | 1.3 | 1.2 | 1.1 |
| Charge-offs | 0.9 | 0.9 | 0.9 | 0.9 | 0.9 | 0.8 | 0.7 | 0.7 |
| Loan/Deposit | 44.2 | 45.7 | 46.1 | 47.7 | 48.4 | 50.1 | 49.5 | 51.7 |
Balance Sheet
Total Assets$645.0B
Total Deposits$438.3B
Total Loans$226.6B
Total Equity$65.3B
Profitability
ROA1.42%
ROE13.43%
Efficiency Ratio39.21%
Net Income$8.7B
Risk & Asset Quality
NPL Ratio1.12%
Charge-off Rate0.66%
Loan/Deposit51.69%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans