BlastPoint's Banking Scorecard
Goldman Sachs Bank USA
Titans
Specialty: Other
NY
FDIC cert 33124
New York, NY
16
banks in Titans tier nationally
3 in NY
View Titans leaderboard (NY) →
Goldman Sachs Bank USA has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 33% in Titans
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 1% in Titans
- - Non-Interest-Bearing Deposit Share 14.76% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$645.0B
+14.9% YoY
+0.2% QoQ
|
-$307.4B |
$952.4B
-3.6% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
62% |
| Total Loans ? |
$226.6B
+22.0% YoY
+7.7% QoQ
|
-$191.9B |
$418.5B
-0.2% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
50% |
| Total Deposits ? |
$438.3B
+12.5% YoY
+3.2% QoQ
|
-$301.5B |
$739.8B
-3.8% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
56% |
| Return on Assets ? |
1.42%
+1.2% YoY
-2.0% QoQ
|
+0.31% |
1.11%
+7.2% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
Top 6% in tier |
| Net Interest Margin ? |
2.01%
+8.1% YoY
-1.4% QoQ
|
-0.46% |
2.47%
+1.2% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
38% |
| Efficiency Ratio ? |
39.21%
+15.1% YoY
+16.8% QoQ
|
-16.66% |
55.86%
+1.9% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
81% |
| Delinquency Rate ? |
1.12%
-28.0% YoY
-5.8% QoQ
|
+0.26% |
0.86%
-12.4% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
51.69%
+8.5% YoY
+4.4% QoQ
|
-3.99% |
55.68%
+5.4% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
0.04%
+30.2% YoY
-2.5% QoQ
|
-14.76% |
14.80%
-14.8% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 6% in tier |
| Nonperforming Asset Ratio ? |
0.39%
-23.6% YoY
+1.3% QoQ
|
-0.04% |
0.44%
-9.5% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
50% |
| Tier 1 Capital Ratio ? |
15.63%
-2.5% YoY
-1.5% QoQ
|
+0.12% |
15.52%
+8.4% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
62% |
| Non-Interest Income / Assets ? |
1.10%
-35.3% YoY
+0.9% QoQ
|
-0.15% |
1.25%
-5.5% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
44% |
Signature Analysis
Strengths (1)
Profitability Leader
growth
#2 of 4 · Top 33% in Titans
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.42%
(Tier: 1.11%, National: 1.12%)
4 of 4 Titans banks match
·
444 nationally
→ Stable
+5 banks QoQ
Concerns (2)
Cost Spiral
risk
#1 of 2 · Bottom 1% in Titans
Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Why this signature
Efficiency Ratio:
39.21%
(Tier: 55.86%, National: 65.09%)
2 of 2 Titans banks match
·
50 nationally
↓ Shrinking
-10 banks QoQ
Non-Interest-Bearing Deposit Share
metric
Bottom 6%
in Titans
Why this stands out
Current:
0.04%
(Tier avg: 14.80%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Return on Assets
Current: 1.42% · Tier avg: 1.11%
81
81th pctile
Efficiency Ratio
Current: 39.21% · Tier avg: 55.86%
69
69th pctile
Loan-to-Deposit Ratio
Current: 51.69% · Tier avg: 55.68%
62
62th pctile
Total Assets
Current: $645.0B · Tier avg: $952.4B
62
62th pctile
Tier 1 Capital Ratio
Current: 15.63% · Tier avg: 15.52%
56
56th pctile
Total Deposits
Current: $438.3B · Tier avg: $739.8B
50
50th pctile
Total Loans
Current: $226.6B · Tier avg: $418.5B
50
50th pctile
Nonperforming Asset Ratio
Current: 0.39% · Tier avg: 0.44%
44
44th pctile
Non-Interest Income / Assets
Current: 1.10% · Tier avg: 1.25%
38
38th pctile
Net Interest Margin
Current: 2.01% · Tier avg: 2.47%
31
31th pctile
Delinquency Rate
Current: 1.12% · Tier avg: 0.86%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 0.04% · Tier avg: 14.80%
Top Weaknesses
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 0.04% · Tier avg: 14.80%
31
31th pctile
Delinquency Rate
Current: 1.12% · Tier avg: 0.86%
38
38th pctile
Net Interest Margin
Current: 2.01% · Tier avg: 2.47%
44
44th pctile
Non-Interest Income / Assets
Current: 1.10% · Tier avg: 1.25%
50
50th pctile
Nonperforming Asset Ratio
Current: 0.39% · Tier avg: 0.44%
50
50th pctile
Total Loans
Current: $226.6B · Tier avg: $418.5B
56
56th pctile
Total Deposits
Current: $438.3B · Tier avg: $739.8B
62
62th pctile
Tier 1 Capital Ratio
Current: 15.63% · Tier avg: 15.52%
62
62th pctile
Total Assets
Current: $645.0B · Tier avg: $952.4B
69
69th pctile
Loan-to-Deposit Ratio
Current: 51.69% · Tier avg: 55.68%
81
81th pctile
Efficiency Ratio
Current: 39.21% · Tier avg: 55.86%
94
94th pctile
Return on Assets
Current: 1.42% · Tier avg: 1.11%