Goldman Sachs Bank USA
Goldman Sachs Bank USA — FDIC certificate 33124
New York, NY · FDIC-insured, active · established 08/30/1990 · primary federal regulator FED · holding company as listed by the FDIC: GOLDMAN SACHS GROUP INC THE
Source: FDIC BankFind
Where the records cross
Mortgage denials in NY: this lender vs. every HMDA lender in the state (2025)
40.9% this lender · 24.9% all lenders · +16 points
63 denied of 154 decided (this lender) · 76,984 of 309,223 (all lenders)
Formula: denied share = denied ÷ (originated + denied), HMDA action taken 1 and 3 only; withdrawn, incomplete and purchased loans are excluded. Sources: HMDA Data Browser (lender, by LEI) × HMDA Data Browser (state, all lenders).
A gap is a fact about outcomes, not a finding of cause: applicant mix, loan types and property markets differ by lender.
Federal Reserve orders in effect, laid over the quarterly Call Report
| 2026-06-30 | 1 order in effect | Tier 1 leverage 7.67% | ROA 1.21% |
| 2026-03-31 | 1 order in effect | Tier 1 leverage 8.78% | ROA 1.12% |
| 2025-12-31 | 1 order in effect | Tier 1 leverage 9.76% | ROA 1.42% |
| 2025-09-30 | 1 order in effect | Tier 1 leverage 9.95% | ROA 1.45% |
| 2025-06-30 | 1 order in effect | Tier 1 leverage 10.33% | ROA 1.47% |
| 2025-03-31 | 1 order in effect | Tier 1 leverage 10.91% | ROA 1.61% |
| 2024-12-31 | 1 order in effect | Tier 1 leverage 10.97% | ROA 1.40% |
| 2024-09-30 | 1 order in effect | Tier 1 leverage 10.85% | ROA 1.42% |
Formula: an order is 'in effect' in a quarter when its effective date is on or before the quarter-end and it has no termination date before that quarter-end. Sources: Federal Reserve enforcement actions CSV × FDIC Call Report financials.
Shows when orders and reported ratios coincided. It does not say one caused the other.
CFPB complaints in the last 12 months per $1 billion of deposits (filed under “GOLDMAN SACHS BANK USA”)
12.8 complaints per $1B · 6,384 complaints · $498.8B deposits
Formula: complaints received by the CFPB in the last 12 months ÷ (deposits reported 2026-06-30 ÷ $1B). Sources: CFPB Consumer Complaint Database × FDIC Call Report financials.
A complaint is a consumer's account, not a finding. Deposits are a size measure; a bank with more depositors will receive more complaints.
Quarterly Call Report — as reported to the regulator
| Quarter | Assets | Deposits | Equity | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| 2026-06-30 | $758.8B | $498.8B | $60.2B | 7.67% | 1.21% |
| 2026-03-31 | $751.8B | $504.8B | $64B | 8.78% | 1.12% |
| 2025-12-31 | $645B | $438.3B | $65.3B | 9.76% | 1.42% |
| 2025-09-30 | $644B | $424.8B | $65.5B | 9.95% | 1.45% |
| 2025-06-30 | $625.4B | $407.8B | $65.6B | 10.33% | 1.47% |
| 2025-03-31 | $598.5B | $407.1B | $65.7B | 10.91% | 1.61% |
| 2024-12-31 | $561.2B | $389.7B | $63B | 10.97% | 1.40% |
| 2024-09-30 | $566.5B | $389B | $61.3B | 10.85% | 1.42% |
Figures are what the institution reported to its regulator each quarter. Alpha Covenant applies no rating to them.
Federal Reserve enforcement actions naming this institution
- 2018-01-12 · Civil Money Penalty, $90,000Goldman Sachs Bank USA, New York, New York
- 2013-02-28 · Amendment to 9/1/2011 Order to Cease and Desist · terminated 2018-01-12THE GOLDMAN SACHS GROUP, INC.New York, New York and GOLDMAN SACHS BANK USA, New York, New York
bank-2026-06: listed only where the Federal Reserve's 'Banking Organization' text names this exact FDIC institution name; orders naming a holding company or another affiliate are not attributed to this bank. An enforcement action is a public regulatory record, not a finding by Alpha Covenant. Terminated orders are shown with their termination date. Primary regulator's own list: Federal Reserve — enforcement actions.
Source: Federal Reserve Board — enforcement actions (public CSV)
Mortgage lending — HMDA
denied share = denied ÷ (originated + denied), HMDA action taken 1 and 3 only; withdrawn, incomplete and purchased loans are excluded.
Source: HMDA Data Browser (FFIEC/CFPB), 2025 loan/application register
Official records for this FDIC-insured institution only. Name matches are exact. Nothing here is a rating, a deposit or investment recommendation, or a statement about safety. CFPB complaints for this name · Depository record — plain HTML for a board packet or treasurer's file
Every figure above is an official public record with its source named. Records are records: complaints are not findings, payments are disclosed and legal, adverse-event reports are unverified. Not medical, legal, or financial advice. Nothing here can be changed by payment. How we source this →