Ally Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 6.98 percentage points in Q2 2026, from 166.97% to 173.94%. It was the largest change from Q1 2026 among the key lines here. Within Utah, Ally Bank is 32nd of 44 on return on assets, 1.29% as of Q2 2026. The median for banks in the $100B-250B asset tier is 1.28% on return on assets; Ally Bank reported 1.29% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.30% |
| Tier 1 risk-based capital ratio | 12.30% |
| Total risk-based capital ratio | 13.57% |
| Tier 1 leverage ratio | 9.60% |
| Equity capital to assets | 8.26% |
| Tangible equity to tangible assets | 8.25% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.43% |
| Non-performing assets ratio | 1.09% |
| Net charge-off ratio | 1.12% |
| Texas ratio | 6.43% |
| Allowance for credit losses to loans | 2.49% |
| Reserve coverage of non-performing loans | 173.94% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.29% |
| Return on equity | 15.68% |
| Net interest margin | 4.12% |
| Efficiency ratio | 48.00% |
| Yield on earning assets | 7.16% |
| Cost of funds | 3.18% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.87% |
| Core deposits to total deposits | 90.60% |
| Brokered deposits to total deposits | 5.75% |
| Deposits to assets | 83.22% |
| Securities to assets | 12.21% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.27% | 11.27% | 12.53% | 9.04% | 0.85% |
| Q4 2023 | 11.24% | 11.24% | 12.50% | 9.07% | 0.44% |
| Q1 2024 | 11.53% | 11.53% | 12.80% | 9.19% | 0.76% |
| Q2 2024 | 11.81% | 11.81% | 13.07% | 9.47% | 1.26% |
| Q3 2024 | 11.92% | 11.92% | 13.18% | 9.52% | 0.96% |
| Q4 2024 | 11.94% | 11.94% | 13.21% | 9.40% | 0.13% |
| Q1 2025 | 11.97% | 11.97% | 13.23% | 9.46% | 0.03% |
| Q2 2025 | 12.48% | 12.48% | 13.74% | 9.87% | 1.23% |
| Q3 2025 | 12.62% | 12.62% | 13.88% | 9.95% | 1.25% |
| Q4 2025 | 12.50% | 12.50% | 13.77% | 9.82% | 1.16% |
| Q1 2026 | 12.38% | 12.38% | 13.65% | 9.72% | 1.11% |
| Q2 2026 | 12.30% | 12.30% | 13.57% | 9.60% | 1.29% |
Ally Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Ally Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)