BlastPoint's Banking Scorecard

Goldman Sachs Bank USA

$250B+ Specialty: Other NY FDIC cert 33124

New York, NY

5 branches across UT · MA · NJ · NY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 18 banks in the $250B+ peer group nationwide — 1 of 3 in NY.
Deposits +22.3% year over year ($498.8B on the books).
Delinquency rate 1.05%.
Return on assets 1.21%.
Efficiency ratio 38.49% vs a 52.80% peer average.
Loan-to-deposit ratio 49.64% vs a 59.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

18 banks in the $250B+ peer group nationally 3 in NY

View $250B+ leaderboard (NY) →

Goldman Sachs Bank USA has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 14.31% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 33.3% in tier
- Non-Interest-Bearing Deposit Share 16.26% below tier average
- Net Interest Margin 1.16% below tier average
- Delinquency Rate 0.27% above tier average

Get updates when Goldman Sachs Bank USA releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$758.8B +21.3% YoY +0.9% QoQ	-$177.5B	$936.3B -15.8% YoY	$19.3B +10.2% YoY	$6.3B +7.7% YoY	78%
Total Loans ?	$247.6B +21.1% YoY +3.0% QoQ	-$161.9B	$409.5B -13.1% YoY	$8.2B +12.4% YoY	$3.2B +9.4% YoY	56%
Total Deposits ?	$498.8B +22.3% YoY -1.2% QoQ	-$214.4B	$713.2B -15.8% YoY	$14.8B +8.7% YoY	$4.9B +7.3% YoY	67%
Return on Assets ?	1.21% -18.0% YoY +7.5% QoQ	+0.03%	1.17% +26.8% YoY	0.94% +14.0% YoY	1.30% +12.1% YoY	56%
Net Interest Margin ?	1.78% -10.4% YoY +6.3% QoQ	-1.16%	2.94% -1.8% YoY	3.52% +6.2% YoY	3.95% +4.9% YoY	22%
Efficiency Ratio ?	38.49% +14.3% YoY -2.3% QoQ	-14.31%	52.80% -5.4% YoY	67.96% -1.8% YoY	70.05% +2.5% YoY	83%
Delinquency Rate ?	1.05% -17.5% YoY -5.1% QoQ	+0.27%	0.78% -21.7% YoY	1.19% +15.7% YoY	0.98% +16.3% YoY	33%
Loan-to-Deposit Ratio ?	49.64% -1.0% YoY +4.3% QoQ	-9.40%	59.04% +5.5% YoY	79.34% +1.1% YoY	79.03% +2.3% YoY	72%
Non-Interest-Bearing Deposit Share ?	0.04% -0.6% YoY +14.1% QoQ	-16.26%	16.30% -11.5% YoY	22.09% +0.6% YoY	21.98% -0.6% YoY	Bottom 5.6% in tier
Nonperforming Asset Ratio ?	0.34% -17.7% YoY -3.1% QoQ	-0.07%	0.42% -12.7% YoY	0.79% +14.5% YoY	0.69% +15.8% YoY	61%
Tier 1 Capital Ratio ?	13.48% -17.2% YoY -4.1% QoQ	-1.73%	15.20% +5.2% YoY	23.90% +5.3% YoY	17.09% +0.8% YoY	50%
Non-Interest Income / Assets ?	0.56% -27.7% YoY +108.2% QoQ	-0.08%	0.64% -10.8% YoY	0.52% +23.2% YoY	0.66% +5.2% YoY	39%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Noninterest-Bearing	0.0% 0.0pp YoY 0.0pp QoQ	-16.3pp	16.3%	22.1%	22.2%	0%
Brokered Deposits	20.8% +1.0pp YoY +1.0pp QoQ	+13.8pp	7.0%	8.0%	8.5%	83%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
C&I	12.1% +0.5pp YoY -1.9pp QoQ	-7.5pp	19.6%	11.0%	12.5%	25%
CRE	5.5% -0.8pp YoY -0.7pp QoQ	-6.8pp	12.2%	46.2%	41.4%	7%
1-4 Family	7.4% -1.3pp YoY -0.2pp QoQ	-13.2pp	20.6%	36.6%	31.3%	18%
Consumer	9.2% -2.8pp YoY -0.4pp QoQ	-7.7pp	16.9%	5.1%	5.0%	27%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
CET1 Ratio	13.5% -2.8pp YoY -0.6pp QoQ	-1.7pp	15.2%	26.1%	19.7%	44%
Leverage Ratio	7.7% -2.7pp YoY -1.1pp QoQ	-1.1pp	8.8%	13.9%	12.6%	28%
Total Capital Ratio	14.7% -2.6pp YoY +0.2pp QoQ	-1.6pp	16.3%	27.2%	20.8%	39%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Full-Time Employees	4,355 +39 (+0.9%) YoY -54 (-1.2%) QoQ	-59,204	63,559	914	482	17%
Assets per Employee ($)	$174.2M +20.2% YoY +2.2% QoQ	+$113.2M	$61.1M	$14.8M	$8.8M	78%
Branch Count	5 0 YoY 0 QoQ	-1,403	1,407	27	18	22%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% -0.1pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.4%	15%
Nonaccrual	0.9% -0.2pp YoY 0.0pp QoQ	+0.3pp	0.6%	1.3%	1.0%	78%
Allowance Coverage	0.54x -62.8% YoY -9.7% QoQ	-1.60x	2.14x	1.92x	20.23x	0%
Net Charge-off Rate (YTD)	0.3% -0.5pp YoY +0.2pp QoQ	-0.3pp	0.5%	0.1%	0.2%	41%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
ROE	13.7% +0.2pp YoY +1.6pp QoQ	+1.3pp	12.4%	7.9%	11.6%	61%
Cost of Funds (YTD)	3.6% -0.4pp YoY 0.0pp QoQ	+1.4pp	2.2%	1.8%	1.7%	89%
Net Income ($, YTD)	$4.3B -1.0% YoY — QoQ	-$1.5B	$5.9B	$111.2M	$40.4M	67%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Margin Compression

decline

#2 of 3 • Bottom 33.3% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.21%

(Tier: 1.17%, National: 1.30%)

better than tier avg

3 of 3 Titans banks match · 413 nationally

→ Stable +8 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 18 peers in $250B+

Top Strengths (2 metrics)

Efficiency Ratio

profitability

Value: 38.49%

Peer Median: 52.80%

#4 of 18 Top 16.7% in $250B+

Total Assets

size

Value: $758.79B

Peer Median: $936.28B

#5 of 18 Top 22.2% in $250B+

Top Weaknesses (2 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 0.04%

Peer Median: 16.30%

#18 of 18 Bottom 5.6% in $250B+

Net Interest Margin

profitability

Value: 1.78%

Peer Median: 2.94%

#15 of 18 Bottom 22.2% in $250B+