# ALLY BANK
SANDY, UT · FDIC certificate 57803 · asset band >$100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *auto lender*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $188.18B | |
| Deposits | $156.61B | |
| Loans and leases | $143.89B | |
| Total equity | $15.54B | |
| Loans / deposits | 89.59% (p94 of band) | 72.53% |
| Liquid assets / assets | 16.22% (p3 of band) | |
| Uninsured deposits / deposits | 10.37% (p6 of band) | 42.66% |
| Brokered deposits | 4.78% | |
| Wholesale funding | 11.89% (p59 of band) | |
| FHLB advances / assets | 4.89% | |
| Tier 1 leverage | 9.60% (p62 of band) | 9.44% |
| Unrealized securities loss / equity | -16.44% (p25 of band) | -9.97% |
| AOCI / equity | 0.62% (p94 of band) | |
| ROA (annualized) | 1.20% (p53 of band) | 1.18% |
| Net interest margin | 4.14% (p84 of band) | 3.14% |
| Efficiency ratio | 48.96% (p22 of band) | |
| Noncurrent loans | 0.85% (p50 of band) | 0.85% |
| Net charge-offs (annualized) | 0.87% (p91 of band) | |
| Reserve coverage of noncurrent | 291.61% | |
| Real estate % of loans | 16% | |
| Construction % of loans | 3.34% (p34 of band) | |
| Auto loans | $79.85B (55.49% of loans; DQ 5.43%, NCO 0.77%) | |
| Loans to nondepository financials | $5.74B (37% of equity) (p31 of band) | |
| Deposits YoY | 3.5% | |
| Employees | 9382 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **charge-offs p90** (`aq_nco`)
- **auto book souring** (`conc_auto`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | loans exceed deposits, brokered >10%, wholesale funding >15%, auto book souring |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 4 |  |  |
| 2012-06 | 4 |  |  |
| 2012-09 | 5 | capital falling |  |
| 2012-12 | 5 |  |  |
| 2013-03 | 4 |  | capital falling |
| 2013-06 | 4 |  |  |
| 2013-09 | 4 |  |  |
| 2013-12 | 3 |  | brokered >10% |
| 2014-03 | 5 | capital falling, NIM <2.5% |  |
| 2014-06 | 4 |  | capital falling |
| 2014-09 | 4 |  |  |
| 2014-12 | 5 | capital falling |  |
| 2015-03 | 4 |  | capital falling |
| 2015-06 | 4 |  |  |
| 2015-09 | 5 | capital falling |  |
| 2015-12 | 4 |  | capital falling |
| 2016-03 | 3 |  | NIM <2.5% |
| 2016-06 | 3 |  |  |
| 2016-09 | 4 | brokered >10% |  |
| 2016-12 | 3 |  | brokered >10% |
| 2017-03 | 4 | brokered >10% |  |
| 2017-06 | 4 |  |  |
| 2017-09 | 5 | capital falling |  |
| 2017-12 | 5 |  |  |
| 2018-03 | 5 |  |  |
| 2018-06 | 5 |  |  |
| 2018-09 | 5 |  |  |
| 2018-12 | 5 |  |  |
| 2019-03 | 5 |  |  |
| 2019-06 | 5 |  |  |
| 2019-09 | 5 |  |  |
| 2019-12 | 4 |  | loans exceed deposits |
| 2020-03 | 3 |  | brokered >10% |
| 2020-06 | 2 |  | capital falling |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | wholesale funding >15% |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | capital falling |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 5 | AOCI drag >20% of equity, securities losses >30% of equity, charge-offs p90 |  |
| 2022-12 | 5 |  |  |
| 2023-03 | 4 |  | AOCI drag >20% of equity |
| 2023-06 | 3 |  | charge-offs p90 |
| 2023-09 | 3 |  |  |
| 2023-12 | 1 |  | capital falling, securities losses >30% of equity |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 3 | capital falling, charge-offs p90 |  |
| 2026-06 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-27 [Ally Bank review (2026): Top rated online bank with a no-fee model - Yahoo Finance](https://news.google.com/rss/articles/CBMikwFBVV95cUxPV1M1V3c2a2ozMWFyWEUwUnVPU3JUR21nemk2OGw5SWdsTm50Mk9xb1BOeGlBUjdjSGNVaVNmSDgyQ3F6UkRSMENDNjBnYzZBZ01aaDhfXzJ5czFPck9laHFvT3E3N19WWUg4aFBQZks4Yk1DOTJ2Y3oyajBDd3dJZ1JlclNJa0FtZEJhRWdOeW5QbDQ?oc=5) · Yahoo Finance
- 2026-01-08 [Best Checking Accounts in Utah for 2026 - MoneyRates](https://news.google.com/rss/articles/CBMidkFVX3lxTE5leEsxRktDb2VhcDN6NEhyQ1plY1pEZ25qbWlvMFo3T2dITGlrc3NEeEoxdVpOQUc3elQ2cUEyRnpMdGc5S0ZLVUdCWjY1RXNTdE5EaVNzVGkzTUtJdElZUmxMWHlLb25WNkZvcnY4Q2tWNzhGa3c?oc=5) · MoneyRates
- 2026-01-10 [Utah takes leading role in pursuit of racial economic justice - Deseret News](https://news.google.com/rss/articles/CBMigAFBVV95cUxNNFdtSHZxenNtNXBCWVZGNFJBNUs2d1VjSS1YZWlmdVdpZ0dqZFNockFDREx2OFIzYllDNFNybHhhQ0VieV9kS2pWUnJPc2owWkZ5ZkNId09ac1RzaG9mSm5xTUl3Mk05dnk2b3ZPNTVhVl8wb0dOODE1QzlvVkNPbQ?oc=5) · Deseret News
- 2018-10-15 [Ally Bank Announces 1-Percent Cash Bonus for New Deposits - Ally](https://news.google.com/rss/articles/CBMilgFBVV95cUxQb1p4Y2o4V1J2a1NPWkR2Nzd1WnpuT2o0enRYYzliampzWTFfdFE3aTlySVdwdUZSNnpUcG1KVFgxUGZWTVgyVXlIdG1Ma1Radm1jMVFiTTk2dkpBbElONmVNTG1pLThjSVFkVGpUb2FtVElpek1TNUN0YmlMZDBkM3J2d3V3WWU5R3JQQXB0dTZfeW13ZFE?oc=5) · Ally
- 2025-12-16 [PayPal moves to establish US bank, expanding deposits and loans - Euronews.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQLWVCN1BKdVA5RUNjVW0wNXFQYnZWYldzMVc4NXQtOW82Nm9tVkpkdzhEb05oWkxmVnpwaDdhN0F6cnUxQkl4Nmk5NVZ2Sng5WDQ0TFZscUJOc0prMlhyeWdGTDlMemVnUWtNOVNscEJwa2ZCVVQtb1hzUE9jVi1WMzUwMVRoa1dZZEt0bFBuMG5XUlZGMnRvdnNjci1rMk8yb2trRlFORzhDV2M?oc=5) · Euronews.com
- 2026-09-02 [Ally Bank Review | U.S. News - U.S. News & World Report](https://news.google.com/rss/articles/CBMiXEFVX3lxTE1vX0FOYnNDS3Z5b1Z1RzJIaEF4RDVqaGJMOEdJWm5peUN3SnZDVS1CTFhuWHhQMlNMU3RNYTB1UE94NnV2VmRjS0dsamlWYnQtTEdfdnRSQzgtcTlo?oc=5) · U.S. News &amp; World Report
- 2025-11-24 [Why Ally Financial Is Our Favorite Online Bank - WSJ](https://news.google.com/rss/articles/CBMieEFVX3lxTE15OVkwbmZVbV9sakMwV2NMRUNlUWowaHFCTFJWYnh5a01XalQ3dzgtOHVnQ0FUM1B0bkZkdTZuaTJjUUctZG8wNUZuanVPS3ZOUnVVSkJvbk5aTzQ5dVZ6dUFZZDhoR21lTkI3ejVVaXVSa0dsckFKYg?oc=5) · WSJ
- 2019-02-03 [Ally Bank Review 2026 - Bankrate](https://news.google.com/rss/articles/CBMiYEFVX3lxTE0wUDIzV3NoSW1aT0MyNWd1NzBrT3VaVk1XTXZUOVZ6SktSM1p5NF9Dc3FJaTVWeTFQbnViVDZNSnlQVnZYZVNUUmNsQmN4S2UwTndYMHJIWXNHSFQzVHJiag?oc=5) · Bankrate

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57803 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/11.json (key "57803", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide