Ally Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Retained earnings rose 3.8% from Q1 2026 to Q2 2026, ending at $2.89B against $2.79B. It was the largest change among the key lines on this page. Ally Bank ranks 23rd of 28 Utah banks on CET1 ratio, in the lower half at 12.30% (Q2 2026). The median for banks in the $100B-250B asset tier is 12.27% on CET1 ratio; Ally Bank reported 12.30% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.30% |
| Tier 1 risk-based capital ratio | 12.30% |
| Total risk-based capital ratio | 13.57% |
| Tier 1 leverage ratio | 9.60% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $18.02B |
| Tier 1 capital | $18.02B |
| Total risk-based capital | $19.87B |
| Total equity capital | $15.54B |
| Risk-weighted assets | $146.50B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.26% |
| Tangible equity to tangible assets | 8.25% |
| Equity capital to average assets | 8.28% |
| Internal capital growth rate | 2.76% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $15.14B |
| Retained earnings | $2.89B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.50B |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.27% | 11.27% | 12.53% | 9.04% | $152.78B |
| Q4 2023 | 11.24% | 11.24% | 12.50% | 9.07% | $153.18B |
| Q1 2024 | 11.53% | 11.53% | 12.80% | 9.19% | $149.90B |
| Q2 2024 | 11.81% | 11.81% | 13.07% | 9.47% | $148.83B |
| Q3 2024 | 11.92% | 11.92% | 13.18% | 9.52% | $147.49B |
| Q4 2024 | 11.94% | 11.94% | 13.21% | 9.40% | $144.28B |
| Q1 2025 | 11.97% | 11.97% | 13.23% | 9.46% | $144.16B |
| Q2 2025 | 12.48% | 12.48% | 13.74% | 9.87% | $141.58B |
| Q3 2025 | 12.62% | 12.62% | 13.88% | 9.95% | $140.87B |
| Q4 2025 | 12.50% | 12.50% | 13.77% | 9.82% | $142.80B |
| Q1 2026 | 12.38% | 12.38% | 13.65% | 9.72% | $144.68B |
| Q2 2026 | 12.30% | 12.30% | 13.57% | 9.60% | $146.50B |
Ally Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Ally Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Ally Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57803) · FFIEC NIC profile (RSSD 3284070)