Ally Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 2.24 percentage points in Q2 2026, from 89.63% to 91.87%. It was the largest change from Q1 2026 among the key lines here. Within Utah, Ally Bank is 22nd of 44 on loan-to-deposit ratio, 91.87% as of Q2 2026. The median for banks in the $100B-250B asset tier is 83.15% on loan-to-deposit ratio. Ally Bank sits 8.72 points higher, at 91.87% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $143.89B |
| Net loans and leases | $140.31B |
| Loans held for sale | $406.0M |
| Loans to total assets | 76.46% |
| Loan-to-deposit ratio | 91.87% |
| Net loans to equity capital | 9.03% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.13% |
| Multifamily (5+ residential) | 0.07% |
| Commercial and industrial | 24.22% |
| Consumer | 55.49% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 16.07% |
| Construction concentration (Tier 1 capital + allowance) | 2.40% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 8.06% |
| Interest income on loans | $2.84B |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $140.30B | $157.72B | 3.87% | 22.61% | 56.27% |
| Q4 2023 | $141.56B | $159.04B | 3.94% | 23.80% | 55.03% |
| Q1 2024 | $138.13B | $159.08B | 4.06% | 24.19% | 54.48% |
| Q2 2024 | $138.89B | $155.56B | 4.11% | 24.81% | 54.41% |
| Q3 2024 | $137.59B | $155.69B | 4.26% | 23.90% | 55.14% |
| Q4 2024 | $135.97B | $156.64B | 4.27% | 23.45% | 56.30% |
| Q1 2025 | $135.72B | $155.29B | 4.69% | 22.53% | 56.62% |
| Q2 2025 | $133.20B | $151.30B | 4.74% | 22.43% | 56.52% |
| Q3 2025 | $134.54B | $152.63B | 4.90% | 22.64% | 56.51% |
| Q4 2025 | $137.81B | $155.04B | 5.23% | 23.33% | 55.48% |
| Q1 2026 | $140.03B | $156.22B | 5.26% | 23.85% | 55.29% |
| Q2 2026 | $143.89B | $156.61B | 5.13% | 24.22% | 55.49% |
Ally Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Ally Bank, freeSource: Call Report Schedule RC-C, 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)