Bank Comparison
American Express National Bank vs Ally Bank
BankRegReports is independent of American Express National Bank and Ally Bank and never asks for online banking logins or passwords.
At Q2 2026, American Express National Bank is the larger bank, with $213.95B in total assets to Ally Bank's $188.18B; Ally Bank has the higher CET1 ratio (12.30% vs 10.86%) and American Express National Bank has the higher return on assets (3.61% vs 1.29%).
vs
9 · 8
winning metrics across 17 scored rows
Compare a different pair
Search for a bank in each box, choose it from the list, then press Compare.
Capital adequacy
| Metric | American Express National Bank | Ally Bank |
|---|---|---|
| CET1 Ratio | 10.86% | 12.30% |
| Tier 1 Capital Ratio | 10.86% | 12.30% |
| Total Capital Ratio | 12.99% | 13.57% |
| Tier 1 Leverage Ratio | 8.84% | 9.60% |
| Equity / Assets | 8.95% | 8.26% |
Profitability
| Metric | American Express National Bank | Ally Bank |
|---|---|---|
| Return on Assets (ROA) | 3.61% | 1.29% |
| Return on Equity (ROE) | 41.03% | 15.68% |
| Net Interest Margin (NIM) | 8.22% | 4.12% |
| Yield on Earning Assets | 11.13% | 7.16% |
| Cost of Funds | 3.41% | 3.18% |
Asset quality
| Metric | American Express National Bank | Ally Bank |
|---|---|---|
| Texas Ratio | 4.39% | 6.43% |
| Non-Performing Loan Ratio | 0.63% | 0.85% |
| Non-Performing Asset Ratio | 0.51% | 0.65% |
| Net Charge-Off Ratio | 2.44% | 1.12% |
| ACL / Loans | 3.26% | 2.49% |
Balance sheet
| Metric | American Express National Bank | Ally Bank |
|---|---|---|
| Total Assets | $213.95B | $188.18B |
| Total Deposits | $171.55B | $156.61B |
| Total Loans | $172.33B | $143.89B |
| Total Equity | $19.15B | $15.54B |
| Net Income (quarter) | $1.96B | $606.0M |
Liquidity & funding
| Metric | American Express National Bank | Ally Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 100.45% | 91.87% |
| Core Deposit Ratio | 84.65% | 90.60% |
| Uninsured Deposit Ratio | 18.17% | 10.37% |
Identity
| Metric | American Express National Bank | Ally Bank |
|---|---|---|
| Headquarters City | Sandy | Sandy |
| Headquarters State | UT | UT |
| Asset Tier | $100B to $250B in assets | $100B to $250B in assets |
| Regulator | OCC | FED |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 2,582 | 9,382 |
| Established | March 20, 1989 | August 2, 2004 |
Related bank comparisons
The Huntington National Bank vs American Express National Bank · State Street Bank and Trust Company vs American Express National Bank · Capital One vs American Express National Bank · The Northern Trust Company vs American Express National Bank · Morgan Stanley Bank vs Ally Bank · Goldman Sachs Bank USA vs Ally Bank · The Huntington National Bank vs Ally Bank · State Street Bank and Trust Company vs Ally Bank
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
View full American Express National Bank profile | View full Ally Bank profile | Browse all bank comparisons