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Goldman Sachs Bank Usa

IDRSSD: 2182786
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
88
/ 100
StrongAs of 2024-Q1QoQ 0

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q1

Bank #2182786 2024-Q1 Vital Signs Score: 88/100 — 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

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.10% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2023:
↓ 0 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ 0
  • Reserves
    ↓ -3

The five pillars

Liquidity

StrongQoQ +1
84
Sub-score

Liquidity is strong: brokered 19.5%, loans/deposits 46.3%.

Cash / Assets
—
Loans / Deposits
46.31%
Brokered %
19.52%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 9.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
9.90%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 15.08%, CET1 15.08%, leverage 10.17%.

Tier 1 RBC
15.08%
CET1
15.08%
Leverage
10.17%
No watch items at this period.

Asset Quality

StableQoQ 0
78
Sub-score

Asset quality is stable: Adjusted NPL 2.10%, Texas Ratio 5.9%, NCO YTD 0.86%.

Adjusted NPL
2.10%
Govt-guarantees stripped
Texas Ratio
5.9%
NCO YTD
0.86%
30-89 PD
0.32%
Band 0.3% / 3.0%
90+ PD
0.28%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.10% (govt-guarantees stripped).

Reserves

StrongQoQ -3
80
Sub-score

Reserves are strong: ALLL 2.31% of loans, coverage 112.2%, true coverage 109.8%.

ALLL / Loans
2.31%
Coverage
112.2%
True Loss Coverage
109.8%
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.ts for 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