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Ally Bank
Sandy, UT·FDIC Cert #57803·Charter: STATE·Est. 20040802.0·HC: ALLY FINANCIAL INC
Total Assets
$184.6B
Q4 2025
Return on Assets
0.91%
+0.08%Peer avg: 1.19%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
49.98%
Peer avg: 52.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
56
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.91%+0.08
ROE
11.26%+0.94
Efficiency
49.98%+0.26
Equity/Assets
0.00%+0.00
NPL Ratio
1.02%-0.01
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
86.63%+0.75
Charge-offs
1.27%+0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.8 | 1.0 | 1.0 | 0.8 | 0.0 | 0.6 | 0.8 | 0.9 |
| ROE | 10.4 | 13.5 | 13.1 | 10.3 | 0.4 | 7.9 | 10.3 | 11.3 |
| Efficiency | 55.7 | 53.1 | 52.2 | 51.4 | 52.3 | 50.6 | 49.7 | 50.0 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.9 | 0.9 | 1.1 | 1.1 | 1.1 | 1.0 | 1.0 | 1.0 |
| Charge-offs | 1.6 | 1.4 | 1.4 | 1.5 | 1.5 | 1.3 | 1.3 | 1.3 |
| Loan/Deposit | 84.6 | 87.0 | 86.0 | 84.4 | 85.2 | 85.8 | 85.9 | 86.6 |
Balance Sheet
Total Assets$184.6B
Total Deposits$155.0B
Total Loans$134.3B
Total Equity$15.3B
Profitability
ROA0.91%
ROE11.26%
Efficiency Ratio49.98%
Net Income$1.6B
Risk & Asset Quality
NPL Ratio1.02%
Charge-off Rate1.27%
Loan/Deposit86.63%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans