Goldman Sachs Bank USA: how it compares with its peers
Against 7 U.S. banks with half to twice its assets, Goldman Sachs Bank USA's strongest measure in Q2 2026 is efficiency ratio (38.49% vs. a 54.65% peer median). Its weakest relative measure is return on assets (1.21% vs. 1.32%).
| Measure | Goldman Sachs Bank USA | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.21% | 1.32% | Bottom third Ahead of 29% of peers |
| Net interest margin Annualized net interest income over earning assets. | 1.78% | 2.87% | Middle third Ahead of 43% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 38.49% | 54.65% | Top third Ahead of 86% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $174.2M | $10.8M | Top third Ahead of 86% of peers |
| Loans to deposits Net loans and leases over total deposits. | 49.64% | 74.87% | Context |
What it means for lending operations
Its efficiency ratio of 38.49% is better than the 54.65% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- U.S. Bank National Association Cincinnati, OH · $705.55B
- Capital One, National Association Mclean, VA · $662.16B
- PNC Bank, National Association Wilmington, DE · $609.77B
- Truist Bank Charlotte, NC · $548.35B
- The Bank of New York Mellon New York, NY · $425.12B
- Morgan Stanley Bank, National Association Salt Lake City, UT · $419.32B
Questions about Goldman Sachs Bank USA
How big is Goldman Sachs Bank USA?
Goldman Sachs Bank USA, established in 1990, is headquartered in New York, NY. It reported $758.79B in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Goldman Sachs Bank USA's return on assets?
1.21% annualized in Q2 2026, against a 1.32% median for 7 U.S. banks with half to twice its assets, ahead of 29% of them.
What is Goldman Sachs Bank USA's efficiency ratio?
38.49% in Q2 2026: it spent about 38 cents in noninterest expense for each dollar of revenue. The peer median is 54.65%, and lower is better.
Is Goldman Sachs Bank USA growing its loans?
Net loans grew 21.1% over the year to Q2 2026, while deposits grew 22.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New York bank ranked.