Bank Comparison
U.S. Bank N.A. vs Ally Bank
BankRegReports is independent of U.S. Bank N.A. and Ally Bank and never asks for online banking logins or passwords.
At Q2 2026, U.S. Bank N.A. is the larger bank, with $705.55B in total assets to Ally Bank's $188.18B; U.S. Bank N.A. has the higher CET1 ratio (12.91% vs 12.30%) and the higher return on assets (1.32% vs 1.29%).
vs
8 · 9
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 | U.S. Bank N.A. | Ally Bank |
|---|---|---|
| CET1 Ratio | 12.91% | 12.30% |
| Tier 1 Capital Ratio | 12.99% | 12.30% |
| Total Capital Ratio | 14.94% | 13.57% |
| Tier 1 Leverage Ratio | 9.49% | 9.60% |
| Equity / Assets | 9.76% | 8.26% |
Profitability
| Metric | U.S. Bank N.A. | Ally Bank |
|---|---|---|
| Return on Assets (ROA) | 1.32% | 1.29% |
| Return on Equity (ROE) | 13.06% | 15.68% |
| Net Interest Margin (NIM) | 2.90% | 4.12% |
| Yield on Earning Assets | 4.85% | 7.16% |
| Cost of Funds | 2.05% | 3.18% |
Asset quality
| Metric | U.S. Bank N.A. | Ally Bank |
|---|---|---|
| Texas Ratio | 3.20% | 6.43% |
| Non-Performing Loan Ratio | 1.45% | 0.85% |
| Non-Performing Asset Ratio | 0.85% | 0.65% |
| Net Charge-Off Ratio | 0.54% | 1.12% |
| ACL / Loans | 1.85% | 2.49% |
Balance sheet
| Metric | U.S. Bank N.A. | Ally Bank |
|---|---|---|
| Total Assets | $705.55B | $188.18B |
| Total Deposits | $541.89B | $156.61B |
| Total Loans | $413.34B | $143.89B |
| Total Equity | $68.83B | $15.54B |
| Net Income (quarter) | $2.23B | $606.0M |
Liquidity & funding
| Metric | U.S. Bank N.A. | Ally Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 76.28% | 91.87% |
| Core Deposit Ratio | 90.54% | 90.60% |
| Uninsured Deposit Ratio | 52.20% | 10.37% |
Identity
| Metric | U.S. Bank N.A. | Ally Bank |
|---|---|---|
| Headquarters City | Cincinnati | Sandy |
| Headquarters State | OH | UT |
| Asset Tier | $250B or more in assets | $100B to $250B in assets |
| Regulator | OCC | FED |
| Domestic Branches | 2,097 | 1 |
| Employees (FTE) | 65,445 | 9,382 |
| Established | July 13, 1863 | August 2, 2004 |
Related bank comparisons
The Huntington National Bank vs U.S. Bank N.A. · State Street Bank and Trust Company vs U.S. Bank N.A. · Capital One vs U.S. Bank N.A. · The Northern Trust Company vs U.S. Bank N.A. · The Bank of New York Mellon vs Ally Bank · Fifth Third Bank vs Ally Bank · PNC Bank vs Ally Bank · JPMorgan Chase Bank 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 U.S. Bank N.A. profile | View full Ally Bank profile | Browse all bank comparisons