Ally Bank
Ally Bank reported total assets of $188.2 bn at Q2 2026, up 5.7% on a year earlier, the 24th largest of 497 banks in our US coverage. The CET1 capital ratio at Ally Bank was 12.30%, and the uninsured share of Ally Bank was 10.37%. Source: FDIC Call Reports.
Key takeaways
- On return on equity (ROE), Ally Bank climbed from 390th to 143rd among 500 US banks between and (1 = highest; FDIC Call Reports).
- Ally Bank reports one of the lowest uninsured share of domestic deposits readings among banks of over $100 bn: 10.37% at , where the median of the 32 banks is 44.87% (FDIC Call Reports).
- At 89.59%, the loan-to-deposit ratio of Ally Bank sits in the top tenth of its size group (over $100 bn, 32 banks), where the median is 72.53% (FDIC Call Reports).
What sets Ally Bank apart
How large is Ally Bank?
The balance sheet of Ally Bank at : assets $188.2 bn, deposits $156.6 bn, net loans $140.3 bn (loans equal to 89.59% of deposits). Securities make up 12.2% of total assets at Ally Bank. Since , when Ally Bank held $110.7 bn, its assets grew 70.1%. In the year to , deposits at Ally Bank rose 3.5% while its total assets rose 5.7%. At , Ally Bank employed 9,382 full-time equivalent staff across 1 office, about $20.1 mn of assets per employee and $156.6 bn of deposits per office.
How much funding at Ally Bank is uninsured?
At Ally Bank, uninsured deposits (above the FDIC limit) made up 10.37% of domestic deposits at (-0.28 pp on a year earlier); Ally Bank ranks 469th of 500 on this measure. In dollars, Ally Bank estimated $16.2 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $156.6 bn | +3.5% | 24th of 499 |
| Net loans and leases | $140.3 bn | +8.1% | 18th of 500 |
| Loan-to-deposit ratio | 89.59% | +3.82 pp | 196th of 500 |
| Tier 1 leverage ratio | 9.60% | -0.27 pp | 359th of 500 |
| Total risk-based capital ratio | 13.57% | -0.17 pp | 297th of 448 |
| Net interest margin | 4.14% | +0.20 pp | 108th of 500 |
| Return on assets (ROA) | 1.20% | +0.58 pp | 308th of 500 |
| Efficiency ratio | 48.96% | -1.59 pp | 127th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Gain of $14.0 mn | Turned from a loss into a gain | |
| Unrealized gain/loss on available-for-sale securities | Loss of $2.6 bn | Narrowed by $473.0 mn | |
| Noncurrent loans to total loans | 0.85% | -0.17 pp | 325th of 500 (1 = lowest) |
| Net charge-offs to average loans | 1.15% | -0.14 pp | 471st of 500 (1 = lowest) |
US rank of Ally Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Ally Bank: assets, deposits and loans
- Total assets $188bn
- Deposits $157bn
- Net loans $140bn
Capital and securities
The CET1 ratio of Ally Bank stood at 12.30% in , -0.18 pp year on year. Low and high at Ally Bank since : 11.24% () to 17.89% (). Equity capital of Ally Bank at : $15.5 bn, or 8.3% of total assets. Ally Bank also reported a total capital ratio of 13.57% for , and a tier 1 leverage ratio of 9.60%.
On held-to-maturity securities, Ally Bank carried an unrealized gain of $14.0 mn at , equal to 0.1% of equity capital. The gain turned from a loss into a gain over the year. Its deepest point: $234.0 mn in . The available-for-sale portfolio of Ally Bank showed an unrealized loss of $2.6 bn at ; the loss narrowed by $473.0 mn over the year.
Ally Bank: capital ratios
- Total capital 14%
- CET1 12%
- Tier 1 leverage 9.6%
Ally Bank: unrealized securities gains and losses
- Available for sale -$2.6bn
- Held to maturity $14mn
Profitability and loan quality
For the year to , Ally Bank earned a return on equity of 14.53%; return on assets: 1.20%. Net interest margin at Ally Bank: 4.14%, +0.20 pp in a year. Ally Bank net income: $1.1 bn, up 98.8% year on year. The efficiency ratio of Ally Bank was 48.96%: about 49 cents cost per revenue dollar, against 56 cents at the median peer.
At , noncurrent loans were 0.85% of total loans at Ally Bank; net charge-offs: 1.15% of average loans. Gross loans and leases at Ally Bank: $143.9 bn, up 8.0% in a year.
Ally Bank: profitability
- Return on equity 15%
- Net interest margin 4.1%
- Return on assets 1.2%
Peer group of Ally Bank
The peer group of Ally Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of Ally Bank (state member bank), 6 sit in the same size group (over $100 bn) and 1 has its head office in Utah. Against them, Ally Bank shows CET1 ratio 12.30% against a peer median of 11.82%, return on equity 14.53% against a peer median of 12.70% and uninsured deposit share 10.37% against a peer median of 50.36%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Manufacturers and Traders Trust Company | State member bank | NY | $218.8 bn | 11.81% | 10.70% | 48.89% | |
| American Express National Bank | National bank | UT | $213.9 bn | 10.86% | 41.56% | 18.17% | |
| KeyBank | National bank | OH | $188.6 bn | 12.27% | 12.54% | 51.83% | |
| Ally Bank | State member bank | UT | $188.2 bn | 12.30% | 14.53% | 10.37% | |
| The Northern Trust Company | State member bank | IL | $178.6 bn | 11.83% | 22.34% | 76.66% | |
| HSBC Bank USA | National bank | VA | $173.1 bn | 15.90% | 10.02% | 71.29% | |
| Regions Bank | State member bank | AL | $159.8 bn | 11.58% | 12.86% | 39.23% | |
. FDIC Call Reports.
Last eight quarters
Two years at Ally Bank, to : assets +3.3%, deposits +0.6%, equity +5.9%. Staff 9,751 to 9,382.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $182.2 bn | $181.4 bn | $182.3 bn | $178.1 bn | $180.1 bn | $184.6 bn | $185.7 bn | $188.2 bn |
| Total deposits | $155.7 bn | $156.6 bn | $155.3 bn | $151.3 bn | $152.6 bn | $155.0 bn | $156.2 bn | $156.6 bn |
| Bank equity capital | $14.7 bn | $13.8 bn | $14.4 bn | $14.7 bn | $15.1 bn | $15.3 bn | $15.4 bn | $15.5 bn |
| CET1 ratio | 11.92% | 11.94% | 11.97% | 12.48% | 12.62% | 12.50% | 12.38% | 12.30% |
| Return on equity (ROE) | 13.09% | 10.29% | 0.43% | 7.87% | 10.32% | 11.26% | 13.39% | 14.53% |
| Uninsured share of domestic deposits | 10.22% | 11.44% | 11.08% | 10.65% | 11.09% | 10.78% | 10.85% | 10.37% |
| Full-time equivalent employees | 9,751 | 9,683 | 9,293 | 9,416 | 9,305 | 9,344 | 9,128 | 9,382 |
| Number of offices | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Ally Bank appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Ally Bank?
Ally Bank reported $188.2 bn at in its Call Report. That makes Ally Bank the 24th largest of 497 banks in our US coverage.
Is Ally Bank the same as its holding company?
No. This page covers Ally Bank, FDIC certificate 57803; Ally Financial Inc., its holding company, reports separately to the Federal Reserve.
Is Ally Bank profitable?
Ally Bank reported net income of $1.1 bn for the year to ; annualized return on equity: 14.53%. So yes: Ally Bank made a profit over these months.
When is data for Ally Bank next updated?
Figures from Ally Bank for are due after .
Where can I check the figures for Ally Bank?
In the FDIC BankFind Suite record for certificate 57803, and in the Call Reports of Ally Bank (RSSD ID 3284070) at the FFIEC Central Data Repository.