Liquidity
StrongQoQ +2
82
Sub-score
Liquidity is strong: brokered 21.1%, loans/deposits 45.9%.
- Cash / Assets
- —
- Loans / Deposits
- 45.90%
- Brokered %
- 21.09%
No watch items at this period.
Goldman Sachs Bank Usa
IDRSSD: 2182786
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2023-Q4
Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
89
/ 100
StrongAs of 2023-Q4QoQ +6
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Quarterly Headline
2023-Q4
Bank #2182786 2023-Q4 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).
Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Stable
Reserves:Strong
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q3 2023:
↑ +6 ptscomposite
- Liquidity↑ +2
- Securities— —
- Capitalization↑ +1
- Asset Quality↑ +20
- Reserves— —
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 7.2% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 7.23%
SVB watch metric
No watch items at this period.
Capitalization
StrongQoQ +1
100
Sub-score
Capital position is strong: Tier 1 RBC 14.12%, CET1 14.12%, leverage 10.22%.
- Tier 1 RBC
- 14.12%
- CET1
- 14.12%
- Leverage
- 10.22%
No watch items at this period.
Asset Quality
StableQoQ +20
78
Sub-score
Asset quality is stable: Adjusted NPL 1.93%, Texas Ratio 5.6%, NCO YTD 1.00%.
- Adjusted NPL
- 1.93%
- Texas Ratio
- 5.6%
- NCO YTD
- 1.00%
- 30-89 PD
- 0.33%
- 90+ PD
- 0.29%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
Strong
84
Sub-score
Reserves are strong: ALLL 2.37% of loans, coverage 126.1%, true coverage 124.2%.
- ALLL / Loans
- 2.37%
- Coverage
- 126.1%
- True Loss Coverage
- 124.2%
No watch items at this period.
Methodology + sources
- Vital Signs Score
- Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See
functions/src/vitalSignsScore.tsfor the complete formula and band anchors. - Period addressing
- Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
- Source data
- FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via
CallReport_Financials+CallReport_FdicData(Visbanking nightly ingest).
Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.
Generated: 2026-05-13 11:23:41 UTC