Goldman Sachs Bank USA
New York, New York, New York County
$759B in total assets, the 5th largest of 4,309 US banks and 1st of 126 headquartered in New York.
- FDIC certificate
- 33124
- Established
- 1990
- Owned by
- Goldman Sachs Group Inc The
- Primary regulator
- FED
- Website
- www.marcus.com
At a glance
Compared with 31 US banks with over $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $759B | 87% | $251B | |
| Loans | $249B | 74% | $144B | |
| Deposits | $499B | 81% | $212B | |
| Return on assets | 1.27% | 58% | 1.20% | |
| Net interest margin | 1.78% | 16% | 3.14% | |
| Efficiency ratio | 38.5% | 16% | 54.8% | |
| Equity to assets | 7.93% | 23% | 9.76% | |
| Loans to deposits | 50% | 23% | 74% |
Growth
Total assets grew 16.7% a year over the last 5 years and 16.8% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Nov 2008 | Goldman Sachs Bank USA Salt Lake City, UT, an affiliate under the same holding company | $21.6B |
Where they operate
5 branches in 4 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| New York County, NY | $279B | 14.6% | 2 of 83 |
| Salt Lake County, UT | $194B | 16.5% | 2 of 57 |
| Suffolk County, MA | $0K | 0.0% | 30 of 36 |
| Hudson County, NJ | $0K | 0.0% | 27 of 29 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 1 branch since 2016 (4 to 5, +25.0%). 1 opened, 0 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 4 | |||
| 2018 | Opened Draper | 1 | 0 | +1 | 5 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Business (C&I) | 12% | 18% | |
| Consumer | 9% | 20% | |
| 1-4 family residential | 7% | 19% | |
| Commercial real estate | 3% | 7% | |
| Construction and land | 2% | 2% | |
| Multifamily | 1% | 3% | |
| Other | 66% | 30% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 68% | 72% | |
| Time deposits | 32% | 12% | |
| Noninterest-bearing | 0% | 16% |
Brokered deposits are 20.8% of deposits (peers 6.7%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.04% | 0.86% |
| Net charge-offs, annualized | 0.27% | 0.37% |
| Reserves to loans | 0.56% | 1.49% |
| Leverage ratio | 7.67% | 9.49% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in New York
Largest competitors in New York County, NY
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/goldman-sachs-usa