BlastPoint's Banking Scorecard
Ally Bank
Large
Specialty: Consumer
UT
FDIC cert 57803
Sandy, UT
69
banks in Large tier nationally
7 in UT
View Large leaderboard (UT) →
Ally Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 44% in Large
- - Non-Interest-Bearing Deposit Share 19.83% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$184.6B
+1.8% YoY
+2.5% QoQ
|
+$109.8B |
$74.9B
-4.4% YoY
|
$27.8B
+4.3% YoY
|
$5.9B
+6.5% YoY
|
Top 9% in tier |
| Total Loans ? |
$134.3B
+1.6% YoY
+2.5% QoQ
|
+$87.9B |
$46.4B
-2.1% YoY
|
$18.4B
+5.7% YoY
|
$3.1B
+8.5% YoY
|
Top 7% in tier |
| Total Deposits ? |
$155.0B
-1.0% YoY
+1.6% QoQ
|
+$94.6B |
$60.5B
-4.5% YoY
|
$22.6B
+4.5% YoY
|
$4.7B
+6.3% YoY
|
Top 9% in tier |
| Return on Assets ? |
0.91%
+15.0% YoY
+9.7% QoQ
|
-0.28% |
1.19%
+17.8% YoY
|
1.81%
-9.1% YoY
|
1.12%
+15.6% YoY
|
19% |
| Net Interest Margin ? |
4.03%
+5.5% YoY
+0.6% QoQ
|
+0.57% |
3.46%
+13.1% YoY
|
5.42%
-7.6% YoY
|
3.75%
+7.1% YoY
|
80% |
| Efficiency Ratio ? |
49.98%
-2.8% YoY
+0.5% QoQ
|
-5.05% |
55.03%
-2.8% YoY
|
52.17%
+2.9% YoY
|
65.09%
-5.1% YoY
|
75% |
| Delinquency Rate ? |
1.02%
-9.1% YoY
-1.1% QoQ
|
+0.14% |
0.88%
-0.3% YoY
|
1.05%
-14.1% YoY
|
0.66%
+20.3% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
86.63%
+2.6% YoY
+0.9% QoQ
|
+4.91% |
81.72%
+3.9% YoY
|
84.36%
-0.6% YoY
|
78.04%
+0.7% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
0.14%
-10.4% YoY
-30.6% QoQ
|
-19.83% |
19.97%
+0.5% YoY
|
13.04%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Bottom 9% in tier |
| Nonperforming Asset Ratio ? |
0.75%
-9.2% YoY
-1.1% QoQ
|
+0.20% |
0.55%
+9.0% YoY
|
0.58%
-21.1% YoY
|
0.48%
+20.8% YoY
|
22% |
| Tier 1 Capital Ratio ? |
12.50%
+4.7% YoY
-0.9% QoQ
|
-0.83% |
13.33%
-0.7% YoY
|
9.83%
-1.9% YoY
|
9.75%
-1.9% YoY
|
44% |
| Non-Interest Income / Assets ? |
1.12%
-10.4% YoY
+29.5% QoQ
|
+0.03% |
1.09%
+2.4% YoY
|
1.76%
-7.5% YoY
|
0.65%
+0.6% YoY
|
74% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Flatlined Growth
risk
#8 of 17 · Bottom 44% in Large
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.91%
(Tier: 1.19%, National: 1.12%)
17 of 17 Large banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank declining
Non-Interest-Bearing Deposit Share
metric
Bottom 9%
in Large
Why this stands out
Current:
0.14%
(Tier avg: 19.97%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Total Loans
Current: $134.3B · Tier avg: $46.4B
91
91th pctile
Total Assets
Current: $184.6B · Tier avg: $74.9B
91
91th pctile
Total Deposits
Current: $155.0B · Tier avg: $60.5B
80
80th pctile
Net Interest Margin
Current: 4.03% · Tier avg: 3.46%
75
75th pctile
Efficiency Ratio
Current: 49.98% · Tier avg: 55.03%
74
74th pctile
Non-Interest Income / Assets
Current: 1.12% · Tier avg: 1.09%
46
46th pctile
Loan-to-Deposit Ratio
Current: 86.63% · Tier avg: 81.72%
44
44th pctile
Tier 1 Capital Ratio
Current: 12.50% · Tier avg: 13.33%
32
32th pctile
Delinquency Rate
Current: 1.02% · Tier avg: 0.88%
22
22th pctile
Nonperforming Asset Ratio
Current: 0.75% · Tier avg: 0.55%
19
19th pctile
Return on Assets
Current: 0.91% · Tier avg: 1.19%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 0.14% · Tier avg: 19.97%
Top Weaknesses
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 0.14% · Tier avg: 19.97%
19
19th pctile
Return on Assets
Current: 0.91% · Tier avg: 1.19%
22
22th pctile
Nonperforming Asset Ratio
Current: 0.75% · Tier avg: 0.55%
32
32th pctile
Delinquency Rate
Current: 1.02% · Tier avg: 0.88%
44
44th pctile
Tier 1 Capital Ratio
Current: 12.50% · Tier avg: 13.33%
46
46th pctile
Loan-to-Deposit Ratio
Current: 86.63% · Tier avg: 81.72%
74
74th pctile
Non-Interest Income / Assets
Current: 1.12% · Tier avg: 1.09%
75
75th pctile
Efficiency Ratio
Current: 49.98% · Tier avg: 55.03%
80
80th pctile
Net Interest Margin
Current: 4.03% · Tier avg: 3.46%
91
91th pctile
Total Deposits
Current: $155.0B · Tier avg: $60.5B
91
91th pctile
Total Assets
Current: $184.6B · Tier avg: $74.9B
93
93th pctile
Total Loans
Current: $134.3B · Tier avg: $46.4B