Goldman Sachs Bank USA
New York, New York · FDIC Cert #33124
Goldman Sachs Bank USA is an FDIC-insured bank (Certificate #33124) with $545.2B in total assets and $373.3B in total deposits as of the Q2 2024 Call Report. Headquartered in New York, New York, the bank maintains a Tier 1 capital ratio of 15.81% (Well-Capitalized) and a nonperforming loan ratio of 1.95%. BankHealthData assigns a composite Health Grade of A (88/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Goldman Sachs Bank USA (FDIC cert 33124) is a mega-bank: $545.2B in total assets, $373.3B in deposits, headquartered in New York, New York. Banks at this scale account for the bulk of U.S. banking assets and operate under enhanced prudential standards from the Federal Reserve, OCC, and FDIC.
Capital position is strong: Tier 1 capital ratio of 15.81% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.95% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 33.6% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is strong: return on assets of 2.20% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Goldman Sachs Bank USA carries a composite BankHealth grade of A (88/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Goldman Sachs Bank USA
- Total Assets
- $545.2B
- Total Deposits
- $373.3B
- Tier 1 Capital Ratio
- 15.81%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.95%
- Liquidity Ratio
- 33.59%
- Return on Assets
- 2.20%
- Headquarters
- New York, New York
- FDIC Certificate
- #33124
- Health Grade
- A (88/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Goldman Sachs Bank USA holds a Tier 1 capital ratio of 15.81%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Goldman Sachs Bank USA has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Goldman Sachs Bank USA shows strong financial health indicators. With $545.2B in assets and a Health Score of 88/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Goldman Sachs Bank USA Compares
Goldman Sachs Bank USA’s Health Score of 88 is 17 points above the New York state average of 71 across 130 FDIC-insured banks. Its 15.81% Tier 1 capital ratio is 1.8 points above the US banking industry average near 14%. The 1.95% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 2.20% is in line with or above the national ROA benchmark of ~1.1%. Among 7 similarly-sized banks, the average Health Score is 86, meaning this bank ranks above its size cohort. Site-wide, Goldman Sachs Bank USA is 18 points above the portfolio average of 70.
Frequently Asked Questions
Goldman Sachs Bank USA has a Bank Health Score of A (88/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 15.81%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Goldman Sachs Bank USA's Tier 1 capital ratio of 15.81% and nonperforming loan ratio of 1.95% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Goldman Sachs Bank USA is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #33124). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Goldman Sachs Bank USA holds $545.2B in total assets and $373.3B in total deposits. It is headquartered in New York, New York (FDIC Certificate #33124).
Goldman Sachs Bank USA has a Tier 1 capital ratio of 15.81%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.95%, and the return on assets is 2.20%.
Yes. Goldman Sachs Bank USA is FDIC-insured (Certificate #33124). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Goldman Sachs Bank USA's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.