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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 — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2025-Q4QoQ -11

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

Quarterly Headline

2025-Q4

Bank #2182786 2025-Q4 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Risk

Top 3 Watch Items

  1. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.64% of loans.

What changed this quarter

Compared to Q3 2025:
↓ -11 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +1
  • Reserves
    ↓ -71

The five pillars

Liquidity

StrongQoQ 0
83
Sub-score

Liquidity is strong: brokered 20.5%, loans/deposits 54.1%.

Cash / Assets
—
Loans / Deposits
54.10%
Brokered %
20.52%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 13.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
13.23%
No watch items at this period.

Capitalization

StrongQoQ -1
99
Sub-score

Capital position is strong: Tier 1 RBC 15.63%, CET1 15.63%, leverage 9.75%.

Tier 1 RBC
15.63%
CET1
15.63%
Leverage
9.75%
No watch items at this period.

Asset Quality

StrongQoQ +1
89
Sub-score

Asset quality is strong: Adjusted NPL 1.12%, Texas Ratio 3.9%, NCO YTD 0.57%.

Adjusted NPL
1.12%
Govt-guarantees stripped
Texas Ratio
3.9%
NCO YTD
0.57%
30-89 PD
0.32%
Band 0.3% / 3.0%
90+ PD
0.18%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -71
18
Sub-score

Reserves are weak: ALLL 0.64% of loans, coverage 57.9%, true coverage 53.8%.

ALLL / Loans
0.64%
Coverage
57.9%
True Loss Coverage
53.8%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.64% of loans.

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