SI
Bank Universe

Data source: CET1 ratio sourced from FDIC Call Reports (bank-subsidiary level). Published figures from investor relations may differ by 1–2pp as those reflect the bank holding company level. For precise regulatory CET1 figures, refer to each bank's quarterly earnings release.

Goldman Sachs

GS
US · USRegulated by Federal ReserveLatest: 2026-Q1
83HIGH

CET1 Ratio

14.05%-1.58pp QoQ

Common Equity Tier 1 / RWA

Risk-Weighted Assets

$445.9B

+8.80% QoQ growth

Total Loan Book

$240.3B

+22.0% YoY growth

Leverage Ratio

8.78%

Tier 1 / Average assets

CET1 Ratio Trend

8 quarters · regulatory minimum 8% · scoring threshold 12%

RWA Growth

Bars = total ($B) · Line = QoQ growth %

Loan Book Composition

Latest quarter · 2026-Q1

Comm. Real Estate7.6%
Consumer9.6%
SME / C&I14.0%
Other68.9%

Metric History

49 quarters · FDIC Call Reports

QuarterCET1 %Leverage %RWALoan BookLoans YoYRWA QoQCRE %Consumer %SME %SRT Score
2026-Q1latest14.05%8.78%$445.9B$240.3B+22.0%+8.80%7.6%9.6%14.0%83
2025-Q415.63%9.76%$409.8B$226.6B+22.0%+1.19%7.7%10.1%11.4%58
2025-Q315.87%9.95%$405.0B$210.4B+17.2%+2.51%7.6%11.2%11.6%50
2025-Q216.27%10.33%$395.1B$204.4B+19.8%+2.15%7.9%11.9%11.6%46
2025-Q116.67%10.91%$386.7B$197.0B+17.1%-0.05%8.1%15.1%14.0%36
2024-Q416.03%10.97%$386.9B$185.7B+11.5%-0.37%7.4%16.5%13.8%33
2024-Q315.54%10.85%$388.4B$179.5B+12.3%+5.13%7.5%16.0%16.0%49
2024-Q215.81%10.65%$369.4B$170.7B+8.6%-0.87%8.2%16.5%16.7%33
2024-Q115.08%10.21%$372.6B$168.2B+7.0%-2.14%8.1%16.6%17.1%29
2023-Q414.12%10.27%$380.8B$166.6B+1.48%7.9%18.8%17.7%30
2023-Q313.92%10.20%$375.2B$159.7B-0.87%8.7%20.6%18.3%11
2023-Q213.19%9.70%$378.5B$157.2B+5.81%9.3%19.7%18.5%13
2023-Q113.60%9.78%$357.7B$157.1B9.6%19.4%19.5%
2022-Q413.11%9.39%$357.3B$158.3B+14.5%+2.94%9.0%20.3%19.3%
2022-Q313.13%9.01%$347.1B$155.7B+30.4%+4.45%9.5%18.7%19.8%
2022-Q212.92%8.99%$332.3B$154.6B+49.1%+4.97%11.2%17.1%19.7%
2022-Q113.41%9.42%$316.6B$143.5B+48.1%-0.03%12.9%16.3%17.3%
2021-Q413.43%10.38%$316.7B$138.3B+51.9%-7.35%12.1%15.1%18.1%
2021-Q311.94%10.90%$341.8B$119.4B+38.2%+12.40%10.4%13.8%16.0%
2021-Q210.72%10.65%$304.1B$103.7B+12.3%+2.60%10.3%14.5%15.4%
2021-Q110.51%10.99%$296.4B$96.8B-6.5%+7.32%11.6%13.7%16.5%
2020-Q411.10%10.80%$276.2B$91.0B+8.9%+11.78%11.1%14.2%19.3%
2020-Q312.32%10.56%$247.1B$86.4B+9.0%-7.53%10.3%13.2%23.4%
2020-Q211.20%10.66%$267.2B$92.3B+19.9%-2.04%9.8%11.3%28.9%
2020-Q110.91%12.25%$272.8B$103.6B+36.2%+5.50%9.3%10.1%31.4%
2019-Q411.28%13.20%$258.5B$83.6B+10.0%+1.19%12.7%11.8%18.4%
2019-Q311.23%13.70%$255.5B$79.3B+11.6%+1.45%12.3%10.8%19.1%
2019-Q211.26%14.40%$251.9B$77.0B+11.1%+2.45%12.0%10.1%21.2%
2019-Q111.36%14.22%$245.8B$76.1B+19.9%-1.02%12.7%9.7%21.9%
2018-Q411.06%14.56%$248.4B$76.0B+28.6%+3.34%12.8%9.5%21.8%
2018-Q311.16%15.00%$240.3B$71.0B+27.9%-0.01%12.4%9.0%22.8%
2018-Q210.93%15.10%$240.4B$69.3B+36.8%+1.03%15.9%8.4%23.2%
2018-Q110.88%14.59%$237.9B$63.4B+33.3%+3.54%11.8%8.0%23.7%
2017-Q411.03%15.01%$229.8B$59.1B+25.7%+6.14%12.4%7.8%23.8%
2017-Q311.55%15.96%$216.5B$55.5B+16.1%+1.21%14.2%7.4%25.8%
2017-Q211.53%15.69%$213.9B$50.7B+6.6%+2.96%14.5%6.7%25.6%
2017-Q111.93%15.48%$207.8B$47.6B-4.8%+1.72%14.3%5.8%26.8%
2016-Q411.99%14.43%$204.2B$47.0B-1.5%+4.93%12.5%5.5%30.1%
2016-Q312.39%14.98%$194.6B$47.8B+1.5%-0.18%13.4%4.4%30.5%
2016-Q212.17%14.74%$195.0B$47.6B+7.0%-5.75%12.6%4.0%30.9%
2016-Q111.28%15.91%$206.9B$49.9B+18.6%+2.31%13.7%3.4%30.6%
2015-Q411.38%16.44%$202.2B$47.7B+28.0%-0.52%14.9%3.3%28.4%
2015-Q311.06%17.14%$203.3B$47.1B+40.6%-2.39%15.2%3.2%29.3%
2015-Q210.56%17.03%$208.2B$44.4B+53.2%+2.98%15.4%3.5%28.5%
2015-Q110.69%16.50%$202.2B$42.1B+69.5%+34.83%19.0%3.3%27.2%
2014-Q414.20%17.32%$150.0B$37.3B+63.6%+7.61%14.9%3.6%28.1%
2014-Q315.00%17.90%$139.4B$33.5B+68.3%-1.07%12.8%3.6%27.3%
2014-Q214.52%18.87%$140.9B$29.0B+75.5%+6.48%13.8%4.1%30.4%
2014-Q115.37%17.55%$132.3B$24.9B+56.9%-1.96%14.5%3.5%29.8%

Latest Earnings Signals

From 2026-07-14 SEC 8-K earnings release · composite 0/4

Neutral
CET1 pressure
RWA growth
Provisions rising
Capital optimisation
View source filing ↗

AI Investment Memo

Llama will analyze Goldman Sachs across 4 data dimensions and write a structured memo

Score: 83/100·Model: gpt-oss-120b·Tools: get_bank_metrics · get_historical_deals · get_regulatory_context · calculate_candidate_score

Click Generate Analysis to create an investment memo

Llama will call 4 tools then write a structured memo covering thesis, deal sizing, timing, and risks

Score Breakdown

83/100 —HIGH

Repeat issuer · scored on re-issuance timing

Re-issuance timing83
Last deal
7 mo ago
Typical cadence
8 mo
Through its re-issue cycle84%

Active SRT programme → scored on how overdue it is vs its own cadence. Validated to predict re-issuance better than fundamentals, which are shown below for context only.

Fundamentals — context only

Capital Pressure11/40
CET1 14.05% — large-bank proactive optimisation
+1
-2.05pp headroom above 8% regulatory floor
+0
CET1 declining for 2+ consecutive quarters (15.87% → 15.63% → 14.05%)
+10
Leverage ratio 8.78% — adequate headroom
+0
Loan Book Growth22/30
Loan book grew 22.0% YoY — above 10% capital-strain threshold
+12
RWA grew 8.8% QoQ — rapid RWA expansion strains capital
+10
CRE: 7.619911460240322%, Lev.Loans: 0%, max(Consumer/SME): 13.954165695835968%
+0
Historical SRT20/25
Bank has previously issued SRT transactions
+15
7 months since last deal — active SRT program
+5
Macro Context9/10
Live macro signal: FAVORABLE (sentiment +14/20) — 9/10 pts
+9
GSIB · Systemic Bank

Globally systemically important bank — one of the designated GSIBs. $500B–$1.25T total assets — active repeat issuers, genuine sourcing targets

+5
Macro environment · FAVORABLE+6

Sentiment +14/20 · global +6 pts

Overall SRT likelihood83/100