. under the regulatory framework for prompt corrective action that is applicable to gs bank usa , in order to be considered a 201cwell-capitalized 201d depository institution , gs bank usa must maintain a tier 1 capital ratio of at least 6% ( 6 % ) , a total capital ratio of at least 10% ( 10 % ) and a tier 1 leverage ratio of at least 5% ( 5 % ) . gs bank usa has agreed with the federal reserve board to maintain minimum capital ratios in excess of these 201cwell- capitalized 201d levels