Sandy, UT · Cert 57803 · Ally Financial Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
Market Position · Salt Lake City-Murray, UT · 2026 SOD (annual) · 13.3% share · #4 of 57 inst. · $156.6B of $1175.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.01% | 0.79% | 0.03% | 0.62% | 0.83% | 0.91% | 1.11% | 1.20% | +58 bps | |
| Return on Equity | 13.09% | 10.29% | 0.43% | 7.87% | 10.32% | 11.26% | 13.39% | 14.53% | +666 bps | |
| Net Interest Margin | 3.41% | 3.46% | 3.54% | 3.61% | 3.66% | 3.63% | 3.67% | 3.72% | +11 bps | |
| Efficiency Ratio | 52.17% | 51.43% | 52.31% | 50.55% | 49.72% | 49.98% | 49.96% | 48.96% | -159 bps | |
| Non-Interest Burden | 1.21% | 1.25% | 1.98% | 1.60% | 1.47% | 1.42% | 1.24% | 1.23% | -37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.91% | -2.53% | -0.03% | -2.15% | -1.15% | 1.79% | 1.83% | 5.69% | +784 bps | |
| Loan Growth (YoY) | -1.93% | -3.95% | -1.75% | -4.10% | -2.22% | 1.35% | 3.18% | 8.02% | +1,212 bps | |
| Deposit Growth (YoY) | -1.29% | -1.51% | -2.38% | -2.73% | -1.97% | -1.02% | 0.60% | 3.51% | +624 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.08% | 1.09% | 1.11% | 1.02% | 1.01% | 0.99% | 0.93% | 0.85% | -17 bps | |
| Net Charge-Offs / Loans | 1.45% | 1.50% | 1.49% | 1.31% | 1.26% | 1.25% | 1.19% | 1.13% | -18 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.52% | 9.40% | 9.46% | 9.87% | 9.95% | 9.82% | 9.72% | 9.60% | -27 bps | |
| Total Risk-Based Capital | 13.18% | 13.21% | 13.23% | 13.74% | 13.88% | 13.77% | 13.65% | 13.57% | -18 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.38% | 86.81% | 87.40% | 88.04% | 88.15% | 88.89% | 89.63% | 91.87% | +384 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |