Ally Bank
Sandy, Utah · FDIC Cert #57803
Ally Bank is an FDIC-insured bank (Certificate #57803) with $182.0B in total assets and $155.6B in total deposits as of the Q2 2024 Call Report. Headquartered in Sandy, Utah, the bank maintains a Tier 1 capital ratio of 11.81% (Well-Capitalized) and a nonperforming loan ratio of 0.87%. BankHealthData assigns a composite Health Grade of B (69/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Ally Bank (FDIC cert 57803) is a mega-bank: $182.0B in total assets, $155.6B in deposits, headquartered in Sandy, Utah. Banks at this scale account for the bulk of U.S. banking assets and operate under enhanced prudential standards from the Federal Reserve, OCC, and FDIC.
Capital position is adequate: Tier 1 capital ratio of 11.81% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 0.87% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 16.8% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is solid: ROA of 1.13% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Ally Bank carries a composite BankHealth grade of B (69/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Ally Bank
- Total Assets
- $182.0B
- Total Deposits
- $155.6B
- Tier 1 Capital Ratio
- 11.81%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.87%
- Liquidity Ratio
- 16.79%
- Return on Assets
- 1.13%
- Headquarters
- Sandy, Utah
- FDIC Certificate
- #57803
- Health Grade
- B (69/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Ally Bank holds a Tier 1 capital ratio of 11.81%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Ally Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Ally Bank shows strong financial health indicators. With $182.0B in assets and a Health Score of 69/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Ally Bank Compares
Ally Bank’s Health Score of 69 is 0 points above the Utah state average of 69 across 41 FDIC-insured banks. Its 11.81% Tier 1 capital ratio is 2.2 points below the US banking industry average near 14%. The 0.87% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.13% is in line with or above the national ROA benchmark of ~1.1%. Among 21 similarly-sized banks, the average Health Score is 83, meaning this bank ranks below its size cohort. Site-wide, Ally Bank is 1 points below the portfolio average of 70.
Frequently Asked Questions
Ally Bank has a Bank Health Score of B (69/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 11.81%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Ally Bank's Tier 1 capital ratio of 11.81% and nonperforming loan ratio of 0.87% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Ally Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #57803). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Ally Bank holds $182.0B in total assets and $155.6B in total deposits. It is headquartered in Sandy, Utah (FDIC Certificate #57803).
Ally Bank has a Tier 1 capital ratio of 11.81%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.87%, and the return on assets is 1.13%.
Yes. Ally Bank is FDIC-insured (Certificate #57803). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Ally Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.