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

16 banks in the $250B+ peer group nationally 2 in NY

Goldman Sachs Bank USA has 1 strength but faces 5 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 16.49% below tier average

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 0.1% in tier
- Margin Compression: Bottom 0.1% in tier
- Non-Interest-Bearing Deposit Share 18.57% below tier average
- Net Interest Margin 1.37% below tier average
- Delinquency Rate 0.19% above tier average

Get updates when Goldman Sachs Bank USA releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$751.8B +25.6% YoY +16.6% QoQ	-$255.3B	$1,007.1B -0.5% YoY	$19.3B +17.3% YoY	$6.2B +9.1% YoY	75%
Total Loans ?	$240.3B +22.0% YoY +6.1% QoQ	-$195.8B	$436.2B +3.5% YoY	$8.1B +14.6% YoY	$3.2B +10.8% YoY	50%
Total Deposits ?	$504.8B +24.0% YoY +15.2% QoQ	-$262.2B	$767.0B -1.7% YoY	$15.1B +16.0% YoY	$4.8B +8.2% YoY	62%
Return on Assets ?	1.12% -30.3% YoY -21.0% QoQ	-0.02%	1.15% +9.3% YoY	0.86% +14.3% YoY	1.23% +13.4% YoY	44%
Net Interest Margin ?	1.68% -12.6% YoY -16.6% QoQ	-1.37%	3.05% +6.7% YoY	3.45% +7.0% YoY	3.89% +5.7% YoY	19%
Efficiency Ratio ?	39.40% +21.6% YoY +0.5% QoQ	-16.49%	55.89% +3.9% YoY	69.17% -3.6% YoY	66.95% -4.1% YoY	Top 6.2% in tier
Delinquency Rate ?	1.11% -13.8% YoY -1.3% QoQ	+0.19%	0.92% -4.7% YoY	1.13% +6.9% YoY	0.95% +18.8% YoY	31%
Loan-to-Deposit Ratio ?	47.61% -1.6% YoY -7.9% QoQ	-11.04%	58.65% +11.5% YoY	77.98% +0.4% YoY	76.70% +0.9% YoY	75%
Non-Interest-Bearing Deposit Share ?	0.04% -33.4% YoY -4.7% QoQ	-18.57%	18.60% +9.6% YoY	21.94% +1.2% YoY	22.01% -1.2% YoY	Bottom 6.2% in tier
Nonperforming Asset Ratio ?	0.35% -16.3% YoY -10.2% QoQ	-0.13%	0.48% +3.7% YoY	0.73% +4.5% YoY	0.67% +19.3% YoY	69%
Tier 1 Capital Ratio ?	14.05% -15.7% YoY -10.1% QoQ	+0.05%	14.00% -15.5% YoY	24.83% +10.8% YoY	17.06% +0.8% YoY	62%
Non-Interest Income / Assets ?	0.27% -38.9% YoY -75.8% QoQ	-0.08%	0.35% -0.9% YoY	0.21% +9.1% YoY	0.32% +4.1% YoY	31%

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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 (2)

Cost Spiral

risk

#1 of 5 • Bottom 0.1% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 39.40%

(Tier: 55.89%, National: 66.95%)

better than tier avg

5 of 5 Titans banks match · 176 nationally

↑ Growing +82 banks QoQ

Margin Compression

decline

#1 of 3 • Bottom 0.1% 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: 1.12%

(Tier: 1.15%, National: 1.23%)

worse than tier avg

3 of 3 Titans banks match · 407 nationally

↑ Growing +94 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 16 peers in $250B+

Top Strengths (3 metrics)

Efficiency Ratio

profitability

Value: 39.40%

Peer Median: 55.89%

#2 of 16 Top 6.2% in $250B+

Total Assets

size

Value: $751.78B

Peer Median: $1007.12B

#5 of 16 Top 25.0% in $250B+

Loan-to-Deposit Ratio

liquidity

Value: 47.61%

Peer Median: 58.65%

#5 of 16 Top 25.0% in $250B+

Top Weaknesses (2 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 0.04%

Peer Median: 18.60%

#16 of 16 Bottom 6.2% in $250B+

Net Interest Margin

profitability

Value: 1.68%

Peer Median: 3.05%

#14 of 16 Bottom 18.8% in $250B+