Ally Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Fed funds purchased and repos climbed 40.6% in Q2 2026, from $527.0M to $741.0M. It was the largest change from Q1 2026 among the key lines here. Ally Bank ranks 22nd of 44 Utah banks on loan-to-deposit ratio, in the upper half at 91.87% (Q2 2026). Ally Bank reported 91.87% on loan-to-deposit ratio for Q2 2026, 8.72 points above the 83.15% median for banks in the $100B-250B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.54B |
| Cash and noninterest-bearing balances to assets | 4.01% |
| Cash and securities | $30.52B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $741.0M |
| Other borrowed money | $12.63B |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.71% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.87% |
| Net loans and leases to deposits | 89.59% |
| Loans and leases to core deposits | 95.35% |
| Core deposits to total deposits | 90.60% |
| Brokered deposits to total deposits | 5.75% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 88.96% | 88.55% | $735.0M | $10.99B |
| Q4 2023 | 89.01% | 88.22% | $747.0M | $9.73B |
| Q1 2024 | 86.83% | 90.13% | $0 | $6.48B |
| Q2 2024 | 89.29% | 90.05% | $1.55B | $7.66B |
| Q3 2024 | 88.38% | 89.87% | $371.0M | $8.22B |
| Q4 2024 | 86.81% | 91.33% | $0 | $8.09B |
| Q1 2025 | 87.40% | 93.28% | $889.0M | $8.37B |
| Q2 2025 | 88.04% | 93.73% | $931.0M | $8.31B |
| Q3 2025 | 88.15% | 92.71% | $529.0M | $9.05B |
| Q4 2025 | 88.89% | 91.68% | $545.0M | $11.24B |
| Q1 2026 | 89.63% | 92.62% | $527.0M | $11.06B |
| Q2 2026 | 91.87% | 90.60% | $741.0M | $12.63B |
Ally Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Ally Bank, freeSource: Call Report Schedules RC and RC-M, 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)