Ally Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Ally Bank is the 24th-largest bank in the United States, with $188.2 billion in assets at June 30, 2026, up 5.7% from a year earlier. It is headquartered in Sandy, Utah. It holds 10% of its deposits (10%) above the FDIC insurance limit, a small fraction of the median of 37.3% for the 14 banks with $100 billion to $250 billion in assets. It also grew its loan book 8.0% over the year, higher than about three-quarters of banks its size (median 5.3%).
Net income for the quarter rose 11% from a year earlier, to $606 million. Over the same year, loans grew 8.0% and deposits grew 3.5%.
As of June 30, 2026, Ally Bank reported a CET1 capital ratio of 12.30%, a return on assets of 1.29%, a nonperforming-loan ratio of 0.85% and a Texas ratio of 6.43%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 200 W Civic Center Dr, Sandy, UT 84070
- County
- Salt Lake
- Metro Area
- Salt Lake City-Murray, UT
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 031
- Established
- August 2, 2004
- Former names
- GMAC Bank (2006-2009)
- Offices
- 1 domestic
- Employees (FTE)
- 9,382
- Domestic deposits
- $156.61B
- Allowance for credit losses
- $3.58B
- Net charge-offs (YTD)
- $810.0M
- Average total assets
- $187.66B
- Average total loans
- $141.10B
- Average interest-bearing deposits
- $155.33B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- August 2, 2004
- FDIC Cert
- 57803
- Fed RSSD
- 3284070
- SEC CIK
- 40729 → filed by ALLY FINANCIAL INC.
- Website
- www.ally.com →
- Parent Holding Company
- IB FINANCE HOLDING COMPANY, LLC (RSSD 3867147)
- Ultimate Parent
- ALLY FINANCIAL INC. (RSSD 1562859)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Ally Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Ally Bank, freeAlly Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.30% | 1.29% | 0.85% | 6.43% | 4.12% |
| Q1 2026 | 12.38% | 1.11% | 0.93% | 6.92% | 3.96% |
| Q4 2025 | 12.50% | 1.16% | 0.99% | 7.32% | 4.03% |
| Q3 2025 | 12.62% | 1.25% | 1.01% | 7.32% | 4.04% |
| Q2 2025 | 12.48% | 1.23% | 1.02% | 7.51% | 3.87% |
| Q1 2025 | 11.97% | 0.03% | 1.11% | 8.50% | 3.81% |
| Q4 2024 | 11.94% | 0.13% | 1.09% | 8.71% | 3.77% |
| Q3 2024 | 11.92% | 0.96% | 1.08% | 8.36% | 3.74% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View the branch →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Ally Bank (main office) | Sandy , UT | 84070 | $156.61B |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 23, 2006 | Structure Change | Charter Retained (Merger or Purchase & Assumption) | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
What the public regulatory sources show for Ally Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 7 against individuals associated with it
- Period: Most recent action March 9, 2026. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 12.8% of deposits in UT, rank 4 of 65 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 579 applications, 268 loans originated, $614.3M originated, across 48 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- Not on file: no SBA 7(a) loans matched
- Period: not on file. Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 5,978 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Ally Bank
What are Ally Bank's total assets?
As of the Q2 2026 filing, Ally Bank reported total assets of $188.18 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Ally Bank headquartered?
Ally Bank is headquartered in Sandy, UT, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Ally Bank founded?
Ally Bank was established in 2004, per the FDIC institution directory.
Is Ally Bank FDIC-insured?
Yes. Ally Bank is an FDIC-insured commercial bank (FDIC Certificate #57803). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Ally Bank?
Ally Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Ally Bank's CET1 capital ratio?
Ally Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.30% in its Q2 2026 call report, above regulatory requirements.
How many branches does Ally Bank operate?
Ally Bank operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Ally Bank's Texas Ratio?
Ally Bank's Texas Ratio is 6.43% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Ally Bank previously called?
The charter now named Ally Bank has also operated as GMAC Bank (2006-2009), per FDIC structure-change records.
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