PackageTrendsPeer
Letter portraitLegal landscape

Ally Bank

Sandy, UT · Cert 57803 · Ally Financial Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

26

Q2 2024Q2 2026peer median (50)

Asset Quality

25

Q2 2024Q2 2026peer median (50)

Profitability

64

Q2 2024Q2 2026peer median (50)

Liquidity

52

Q2 2024Q2 2026peer median

Efficiency

78

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Ally Bank

Sandy, UT · Cert 57803 · Ally Financial Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$188.2BAssets
$143.9BLoans
$156.6BDeposits
$15.5BEquity
Loan mix
17%RE $23.3B25%C&I $33.4B58%Consumer $77.4BQ2 2025Q2 2026
Deposit mix
100%Interest-bearing $156.4B0%Noninterest $0.2BQ2 2025Q2 2026

NIM

7.07%Q2 ’246.85%Q2 ’256.56%Q2 ’26+8%+3%

Non-interest income vs. expense

2.44%Q2 ’242.75%Q2 ’252.39%Q2 ’26+33%-23%

Market Position · Salt Lake City-Murray, UT · 2026 SOD (annual) · 13.3% share · #4 of 57 inst. · $156.6B of $1175.7B

Executive Summary

  • Earnings: ROA of 1.20%, up 58 bps year over year; NIM at 3.72%.
  • Asset quality: problem loans at 0.85% of loans (-17 bps YoY), with net charge-offs at 1.13%.
  • Capital: tier 1 leverage ratio of 9.60%, down 27 bps from a year ago.
  • Funding: loans stand at 91.87% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.20%+58 bps YoY

Net Interest Margin (YTD, annualized)

3.72%+11 bps YoY

Efficiency Ratio (YTD, annualized)

48.96%-159 bps YoY

Tier 1 Leverage Ratio

9.60%-27 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.62%0.83%0.91%1.11%1.20%+58 bps
Return on Equity7.87%10.32%11.26%13.39%14.53%+666 bps
Net Interest Margin3.61%3.66%3.63%3.67%3.72%+11 bps
Efficiency Ratio50.55%49.72%49.98%49.96%48.96%-159 bps
Non-Interest Burden1.60%1.47%1.42%1.24%1.23%-37 bps
Growth
Asset Growth (YoY)-2.15%-1.15%1.79%1.83%5.69%+784 bps
Loan Growth (YoY)-4.10%-2.22%1.35%3.18%8.02%+1,212 bps
Deposit Growth (YoY)-2.73%-1.97%-1.02%0.60%3.51%+624 bps
Asset Quality
Nonperforming Loans / Loans1.02%1.01%0.99%0.93%0.85%-17 bps
Net Charge-Offs / Loans1.31%1.26%1.25%1.19%1.13%-18 bps
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.87%9.95%9.82%9.72%9.60%-27 bps
Total Risk-Based Capital13.74%13.88%13.77%13.65%13.57%-18 bps
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits88.04%88.15%88.89%89.63%91.87%+384 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Ally Bank

Sandy, UT · Cert 57803 · Peer group: banks over $10B in assets (n=142-144) · Ally Financial Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$188.2BAssets
$143.9BLoans
$156.6BDeposits
$15.5BEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 78% of banks over $10B in assets (rank 33 of 144).
  • Widest gap: net charge-offs / loans trails 92% of banks over $10B in assets (rank 131 of 142).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.19%

Rank 86 of 144

Net Interest Margin

3.72%

Rank 33 of 144

Efficiency Ratio

48.96%

Rank 33 of 144

Equity / Assets

8.26%

Rank 127 of 144

Non-interest income vs. expense

$2.2B$4.5BINCOMEEXPENSE
Unfavorable gap of $2.3B · efficiency ratio beats 78% of banks over $10B in assets
Bank 48.96%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.19%1.00%1.26%1.54%Beats 40%86 / 144
Return on Equity14.40%8.98%11.34%14.40%Beats 75%36 / 144
Net Interest Margin3.72%2.82%3.31%3.68%Beats 77%33 / 144
Efficiency Ratio48.96%49.42%56.02%62.41%Beats 78%33 / 144
Asset Quality
Nonperforming Loans / Loans0.85%0.48%0.73%1.07%Beats 41%85 / 142
Net Charge-Offs / Loans0.94%0.05%0.11%0.22%Beats 8%131 / 142
Capital
Tier 1 Capital Ratio12.30%12.07%12.98%14.92%Beats 35%94 / 144
Total Risk-Based Capital Ratio13.57%13.39%14.14%16.25%Beats 31%99 / 144
Equity / Assets8.26%9.69%11.39%12.96%Beats 12%127 / 144
Liquidity & Funding
Loans / Deposits91.87%75.72%84.92%91.56%76th pctl35 / 143
Loans / Assets76.46%59.83%69.07%74.80%78th pctl31 / 144
Brokered Deposits / Depositsn/aNot reported for this institution