Total Assets
$184.6B
Total balance-sheet footings
FDIC Cert #57803 · Sandy, Utah · Est. 2004
Ally Bank - FDIC Bank Health Profile
One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.
- $184.6B
- Total assets
- A
- Health grade · Excellent
- 0.91%
- Return on assets
- 12.5%
- Tier 1 capital
Data updated July 2026
The verdict
Ally Bank earns a PlainBankData health grade of A (80/100), with well-capitalized at 12.50% Tier 1, 0.91% ROA, efficient (50% cost ratio).
- #23
- largest of 4,313 FDIC banks by assets
- 100th
- percentile by asset size, nationally
- 12.50%
- Tier 1 ratio - above the 10% well-capitalized line
- 36th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
FDIC Call Report plate
Cert 57803 · UT A · 80/100
GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MEGA · BOOK-FULL
- GRADE-A A (80/100)
- MID-PACK #1907/4307
- PHOTO-FINISH Banesco USA · FL
- TIER1-WELL 12.5% Tier 1
- TEXAS-CLEAN 7.3% Texas
- ROA-PAR 0.91% ROA
- SIZE-MEGA ≥$100B assets
- BOOK-FULL 9/9 fields
Nearest health peer outside Utah: Banesco USA, FL (±0 health pts)
Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.
Health-score neighbourhood around Ally Bank
Lowest and highest poles plus nearest scored peers outside Utah, not a full FDIC corpus board reprint.
What Ally Bank's Call Report plate shows
Ally Bank (FDIC Cert #57803) carries a PlainBankData health grade of A at 80/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,907 of 4,307. Tier 1 capital prints at 12.50%, clearing the 10% well-capitalized line. The Texas Ratio is 7.30%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.91%. Balance-sheet scale is $184.6B, 23rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Banesco USA (FL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.
State failure history around Ally Bank
8 FAILURE resolutions in Utah since 2000 (7 since 2008)
Ally Bank's home state sits in the middle band of post-2000 FAILURE counts (8; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Ally Bank remains an active FDIC-insured reporter.
- PROFICIO BANK COTTONWOOD HEIGHTS, UT 2017 → CACHE VALLEY BANK
- SUNFIRST BANK SAINT GEORGE, UT 2011 → CACHE VALLEY BANK
- CENTENNIAL BANK OGDEN, UT 2010
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Utah banks.
How Ally Bank's 80/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Tier 1 Capital Ratio (12.50%) 35/40
Return on Assets (ROA) (0.91%) 14/25
Texas Ratio (7.30%) 16/20
Efficiency Ratio (49.98%) 15/15
80 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$155.0B
Customer-funded liabilities
Net Loans
$134.3B
Outstanding loan book
Net Income
$1.6B
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Ally Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Ally Bank's score of 80/100 falls in the highlighted band.
Ally Bank: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
80 Top 44% higher than 56% of 4,307 FDIC-insured banks
Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FDIC Call Reports · July 2026
Ally Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Ally Bank's $184.6B falls in the highlighted band.
Safety ratios for Ally Bank
Tier 1 capital ratio
Well-capitalized 10%
12.50% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.50%
Texas Ratio
7.30%
Equity Capital
$15.3B
Profitability metrics: Ally Bank
Return on Assets (ROA)
36th percentile nationally
0.91%
Return on Equity (ROE)
11.26%
Efficiency Ratio
49.98%
Income & expense at Ally Bank
$12.3B
Interest Income
$2.1B
Non-Interest Income
$4.6B
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Ally Bank reports a Texas Ratio of 7.30% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
7.30% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Utah by total assets
National size peers: banks closest to Ally Bank by assets
Ally Bank is closely matched in total assets by KeyBank, The Northern Trust Company, HSBC Bank USA, American Express National Bank across 6 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 1.64%, versus Ally Bank's own 0.91%; the average efficiency ratio is 60.10%, versus 49.98% here; and average Tier 1 capital sits at 12.59%, versus 12.50% at Ally Bank. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.
At $184.6B in assets, Ally Bank sits well above the $100 billion threshold at which the Dodd-Frank Act, as amended by the 2018 Economic Growth, Regulatory Relief, and Consumer Protection Act, applies enhanced prudential standards -- more frequent capital and liquidity stress testing and formal resolution ("living will") planning -- on top of the $10 billion threshold at which the CFPB, rather than the bank's primary prudential regulator, takes over direct supervision for consumer-protection compliance.
| Bank | State | Assets | ROA | Efficiency | Tier 1 |
|---|---|---|---|---|---|
| Ally Bank (this bank) | UT | $184.6B | 0.91% | 49.98% | 12.50% |
| KeyBank National Association | OH | $181.7B | 1.17% | 55.67% | 12.75% |
| The Northern Trust Company | IL | $176.4B | 1.02% | 70.92% | 12.07% |
| HSBC Bank USA, National Association | VA | $165.3B | 0.92% | 56.89% | 15.92% |
| American Express National Bank | UT | $211.3B | 3.89% | 68.58% | 10.94% |
| Regions Bank | AL | $157.4B | 1.43% | 55.16% | 11.72% |
| Manufacturers and Traders Trust Company | NY | $212.9B | 1.40% | 53.40% | 12.13% |
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($184.6B here), outside Utah so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Ally Bank (FDIC Cert #57803) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Ally Bank Call Report profile · FDIC Failed Bank List · Utah FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
Other banks in Utah
All Utah banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Morgan Stanley Bank, National AssociationSalt Lake City | $253.3B | A | 1.86% |
| American Express National BankSandy | $211.3B | A | 3.89% |
| UBS Bank USASalt Lake City | $119.3B | A | 1.13% |
| Synchrony BankDraper | $112.1B | A | 2.89% |
| Zions Bancorporation, N.A.Salt Lake City | $89.0B | B | 1.01% |
| SoFi Bank, National AssociationCottonwood Heights | $46.6B | A | 1.96% |
| Sallie Mae BankSalt Lake City | $29.7B | A | 2.90% |
| Optum Bank, Inc.Draper | $20.8B | A | 2.69% |