Bank Comparison
Goldman Sachs Bank USA vs Ally Bank
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At Q2 2026, Goldman Sachs Bank USA is the larger bank, with $758.79B in total assets to Ally Bank's $188.18B; Goldman Sachs Bank USA has the higher CET1 ratio (13.48% vs 12.30%) and Ally Bank has the higher return on assets (1.29% vs 1.23%).
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6 · 11
winning metrics across 17 scored rows
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Capital adequacy
| Metric | Goldman Sachs Bank USA | Ally Bank |
|---|---|---|
| CET1 Ratio | 13.48% | 12.30% |
| Tier 1 Capital Ratio | 13.48% | 12.30% |
| Total Capital Ratio | 14.73% | 13.57% |
| Tier 1 Leverage Ratio | 7.67% | 9.60% |
| Equity / Assets | 7.93% | 8.26% |
Profitability
| Metric | Goldman Sachs Bank USA | Ally Bank |
|---|---|---|
| Return on Assets (ROA) | 1.23% | 1.29% |
| Return on Equity (ROE) | 15.30% | 15.68% |
| Net Interest Margin (NIM) | 1.74% | 4.12% |
| Yield on Earning Assets | 5.07% | 7.16% |
| Cost of Funds | 3.85% | 3.18% |
Asset quality
| Metric | Goldman Sachs Bank USA | Ally Bank |
|---|---|---|
| Texas Ratio | 4.30% | 6.43% |
| Non-Performing Loan Ratio | 1.04% | 0.85% |
| Non-Performing Asset Ratio | 0.34% | 0.65% |
| Net Charge-Off Ratio | 0.41% | 1.12% |
| ACL / Loans | 0.56% | 2.49% |
Balance sheet
| Metric | Goldman Sachs Bank USA | Ally Bank |
|---|---|---|
| Total Assets | $758.79B | $188.18B |
| Total Deposits | $498.80B | $156.61B |
| Total Loans | $248.99B | $143.89B |
| Total Equity | $60.18B | $15.54B |
| Net Income (quarter) | $2.37B | $606.0M |
Liquidity & funding
| Metric | Goldman Sachs Bank USA | Ally Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 49.92% | 91.87% |
| Core Deposit Ratio | 66.31% | 90.60% |
| Uninsured Deposit Ratio | 42.91% | 10.37% |
Identity
| Metric | Goldman Sachs Bank USA | Ally Bank |
|---|---|---|
| Headquarters City | New York | Sandy |
| Headquarters State | NY | UT |
| Asset Tier | $250B or more in assets | $100B to $250B in assets |
| Regulator | FED | FED |
| Domestic Branches | 5 | 1 |
| Employees (FTE) | 4,355 | 9,382 |
| Established | August 30, 1990 | August 2, 2004 |
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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.
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