Ally Bank
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Data as of · sourced from FFIEC call reports. How we update
Ally Bank is an FDIC-insured commercial bank headquartered in Sandy, UT, established in 2004 (FDIC certificate 57803), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $188.18B, up 5.7% from Q2 2025, the 3rd largest of 44 banks headquartered in Utah. Its CET1 capital ratio was 12.30% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 57803
- Headquarters
- Sandy, UT
- Established
- 2004
- Total assets, Q2 2026
- $188.18B
- Assets vs Q2 2025
- +5.7%
- CET1 ratio, Q2 2026
- 12.30%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 072014477
- Holding company
- IB FINANCE HOLDING COMPANY, LLC
- Asset rank in state
- 3rd of 44 in Utah
Ally Bank is the 24th-largest bank in the United States, with $188.2 billion in assets at June 30, 2026, up 5.7% from a year earlier. It is headquartered in Sandy, Utah. It holds 10% of its deposits (10%) above the FDIC insurance limit, a small fraction of the median of 37.3% for the 14 banks with $100 billion to $250 billion in assets. It also grew its loan book 8.0% over the year, higher than about three-quarters of banks its size (median 5.3%).
Net income for the quarter rose 11% from a year earlier, to $606 million. Over the same year, loans grew 8.0% and deposits grew 3.5%.
As of June 30, 2026, Ally Bank reported a CET1 capital ratio of 12.30%, a return on assets of 1.29%, a nonperforming-loan ratio of 0.85% and a Texas ratio of 6.43%. The figures come from its call report filed with the FFIEC.
Of the 44 banks headquartered in Utah, Ally Bank is the 3rd largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.4% to $188.18B, loans rose 2.8% and deposits rose 0.2%. Auto loans made up 55.5% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 24.2%. Its one office in the FDIC Summary of Deposits is in Sandy, UT. Judged on its Q2 2026 call report, Ally Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 200 W Civic Center Dr, Sandy, UT 84070
- County
- Salt Lake
- Metro Area
- Salt Lake City-Murray, UT
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 031
- Established
- August 2, 2004
- Former names
- GMAC Bank (2006-2009)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 9,382
- Domestic deposits
- $156.61B
- Allowance for credit losses
- $3.58B
- Net charge-offs (YTD)
- $810.0M
- Average total assets
- $187.66B
- Average total loans
- $141.10B
- Average interest-bearing deposits
- $155.33B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- August 2, 2004
- FDIC Cert
- 57803
- Fed RSSD
- 3284070
- SEC CIK
- 40729 → filed by ALLY FINANCIAL INC.
- Website
- www.ally.com →
- Parent Holding Company
- IB FINANCE HOLDING COMPANY, LLC (RSSD 3867147)
- Ultimate Parent
- ALLY FINANCIAL INC. (RSSD 1562859)
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Rhodes Michael George | CEO | Chief Executive Officer |
| Douglas R. Timmerman | PRES | President, DFS |
| Russell E. Hutchinson | CFO | Chief Financial Officer |
| Stephanie N Richard | CRO | Chief Risk Officer |
| Hope Mehlman | GC | Chief Legal & Corp Affairs |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Ally Bank's total assets ranged from $178.05B (Q2 2025) to $188.18B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$188.18B total assets against $178.05B; $172.64B total liabilities against $163.33B.
$140.31B net loans and leases against $129.78B; $156.61B total deposits against $151.30B.
$22.98B securities against $22.65B; $7.54B cash and balances due against $9.97B.
$3.13B total interest income against $3.02B; $1.33B total interest expense against $1.41B.
$1.80B net interest income against $1.61B.
$542.0M total noninterest income against $506.0M; $1.12B total noninterest expense against $1.03B.
$429.0M provision for credit losses against $383.0M.
$606.0M net income against $548.0M.
1.29% return on assets against 1.23%; 4.12% net interest margin against 3.87%.
12.30% CET1 capital ratio against 12.48%; 9.60% tier 1 leverage ratio against 9.87%.
Inside the full Ally Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeAlly Bank rankings
Its closest position to the top of a national ranking is 24 of 4,196, for total assets; its furthest is 933 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.03% (Q1 2025) to 1.29% (Q2 2026) and its net interest margin ran from 3.74% (Q3 2024) to 4.12% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.30% | 1.29% | 0.85% | 6.43% | 4.12% |
| Q1 2026 | 12.38% | 1.11% | 0.93% | 6.92% | 3.96% |
| Q4 2025 | 12.50% | 1.16% | 0.99% | 7.32% | 4.03% |
| Q3 2025 | 12.62% | 1.25% | 1.01% | 7.32% | 4.04% |
| Q2 2025 | 12.48% | 1.23% | 1.02% | 7.51% | 3.87% |
| Q1 2025 | 11.97% | 0.03% | 1.11% | 8.50% | 3.81% |
| Q4 2024 | 11.94% | 0.13% | 1.09% | 8.71% | 3.77% |
| Q3 2024 | 11.92% | 0.96% | 1.08% | 8.36% | 3.74% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Ally Bank (main office) | Sandy , UT | 84070 | $156.61B |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 23, 2006 | Structure Change | Acquired another institution Charter Retained (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 7 against individuals associated with it
- Period: Most recent action March 9, 2026. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 12.8% of deposits in UT, rank 4 of 63 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 579 applications, 268 loans originated, $614.3M originated, across 48 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- 5,980 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- SBA 7(a) lending, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Ally Bank
What are Ally Bank's total assets?
As of the Q2 2026 filing, Ally Bank reported total assets of $188.18 billion in its FFIEC call report.
Where is Ally Bank headquartered?
It is headquartered in Sandy, UT, United States.
When was Ally Bank founded?
It was established in 2004, per the FDIC institution directory.
Is Ally Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57803). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Ally Bank?
Ally Bank's primary federal regulator is the Federal Reserve.
What is Ally Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.30% in its Q2 2026 call report, above regulatory requirements.
How many branches does Ally Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Ally Bank's Texas Ratio?
Its Texas Ratio is 6.43% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Ally Bank previously called?
The charter now named Ally Bank has also operated as GMAC Bank (2006-2009), per FDIC structure-change records.
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