BlastPoint's Banking Scorecard
Ally Bank
Sandy, UT
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 12 in UT.
- Deposits +3.5% year over year ($156.6B on the books).
- Delinquency rate 0.87%.
- Return on assets 1.20%.
- Efficiency ratio 48.96% vs a 53.67% peer average.
- Loan-to-deposit ratio 89.59% vs a 82.61% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Ally Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.22% above tier average
- + Efficiency Ratio 4.71% below tier average
- + Delinquency Rate 0.14% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 20.43% below tier average
- - ROA 0.19% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$188.2B
+5.7% YoY
+1.4% QoQ
|
+$144.6B |
$43.6B
-13.8% YoY
|
$31.1B
+21.2% YoY
|
$6.3B
+7.7% YoY
|
Top 3.6% in tier |
| Total Loans ? |
$140.3B
+8.1% YoY
+2.8% QoQ
|
+$112.3B |
$28.0B
-8.6% YoY
|
$18.5B
+10.6% YoY
|
$3.2B
+9.4% YoY
|
Top 2.9% in tier |
| Total Deposits ? |
$156.6B
+3.5% YoY
+0.2% QoQ
|
+$121.2B |
$35.4B
-14.0% YoY
|
$23.9B
+15.2% YoY
|
$4.9B
+7.3% YoY
|
Top 3.6% in tier |
| Return on Assets ? |
1.20%
+92.8% YoY
+8.5% QoQ
|
-0.19% |
1.39%
+25.9% YoY
|
2.15%
+9.7% YoY
|
1.30%
+12.1% YoY
|
43% |
| Net Interest Margin ? |
4.14%
+5.1% YoY
+2.4% QoQ
|
+0.22% |
3.92%
+8.9% YoY
|
7.81%
+8.6% YoY
|
3.95%
+4.9% YoY
|
81% |
| Efficiency Ratio ? |
48.96%
-3.1% YoY
-2.0% QoQ
|
-4.71% |
53.67%
-1.9% YoY
|
105.46%
+37.7% YoY
|
70.05%
+2.5% YoY
|
73% |
| Delinquency Rate ? |
0.87%
-16.6% YoY
-8.7% QoQ
|
-0.14% |
1.01%
-2.8% YoY
|
1.38%
+2.5% YoY
|
0.98%
+16.3% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
89.59%
+4.4% YoY
+2.5% QoQ
|
+6.98% |
82.61%
+3.1% YoY
|
83.52%
+2.9% YoY
|
79.03%
+2.3% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
0.15%
-10.3% YoY
+0.6% QoQ
|
-20.43% |
20.58%
+4.9% YoY
|
17.78%
-2.6% YoY
|
21.98%
-0.6% YoY
|
Bottom 5.8% in tier |
| Nonperforming Asset Ratio ? |
0.66%
-14.5% YoY
-7.4% QoQ
|
-0.07% |
0.73%
+5.8% YoY
|
0.92%
+4.0% YoY
|
0.69%
+15.8% YoY
|
34% |
| Tier 1 Capital Ratio ? |
12.30%
-1.4% YoY
-0.7% QoQ
|
-3.05% |
15.35%
-0.4% YoY
|
21.39%
+2.0% YoY
|
17.09%
+0.8% YoY
|
35% |
| Non-Interest Income / Assets ? |
0.58%
-0.1% YoY
+95.7% QoQ
|
+0.09% |
0.50%
+10.5% YoY
|
2.21%
+5.7% YoY
|
0.66%
+5.2% YoY
|
78% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
0.1%
0.0pp YoY 0.0pp QoQ |
-20.9pp | 21.0% | 20.1% | 22.2% | 3% |
| Brokered Deposits |
5.7%
+3.6pp YoY +2.2pp QoQ |
-3.5pp | 9.2% | 28.6% | 8.5% | 48% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
24.8%
+1.8pp YoY +0.4pp QoQ |
+7.7pp | 17.2% | 25.0% | 12.5% | 82% |
| CRE |
5.7%
+0.5pp YoY -0.1pp QoQ |
-36.3pp | 42.0% | 44.1% | 41.4% | 3% |
| 1-4 Family |
10.7%
-2.1pp YoY -0.6pp QoQ |
-12.4pp | 23.1% | 13.8% | 31.3% | 17% |
| Consumer |
56.9%
-1.1pp YoY +0.2pp QoQ |
+44.0pp | 12.9% | 45.8% | 5.0% | 92% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.3%
-0.2pp YoY -0.1pp QoQ |
-3.0pp | 15.3% | 25.0% | 19.7% | 35% |
| Leverage Ratio |
9.6%
-0.3pp YoY -0.1pp QoQ |
-0.8pp | 10.4% | 15.7% | 12.6% | 32% |
| Total Capital Ratio |
13.6%
-0.2pp YoY -0.1pp QoQ |
-2.9pp | 16.5% | 26.3% | 20.8% | 32% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
9,382
-34 (-0.4%) YoY +254 (+2.8%) QoQ |
+6,124 | 3,258 | 1,029 | 482 | 94% |
| Assets per Employee ($) |
$20.1M
+6.1% YoY -1.4% QoQ |
-$7.0M | $27.0M | $39.6M | $8.8M | 78% |
| Branch Count |
1
0 YoY 0 QoQ |
-137 | 137 | 13 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.1pp YoY 0.0pp QoQ |
-0.4pp | 0.4% | 0.6% | 0.4% | 26% |
| Nonaccrual |
0.9%
-0.1pp YoY -0.1pp QoQ |
+0.1pp | 0.7% | 1.2% | 1.0% | 74% |
| Allowance Coverage |
2.92x
+15.9% YoY +7.6% QoQ |
+0.11x | 2.81x | 7.86x | 20.23x | 78% |
| Net Charge-off Rate (YTD) |
1.2%
-0.1pp YoY 0.0pp QoQ |
+0.7pp | 0.4% | 3.6% | 0.2% | 89% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.5%
+6.7pp YoY +1.1pp QoQ |
+1.9pp | 12.6% | 15.9% | 11.6% | 74% |
| Cost of Funds (YTD) |
3.2%
-0.4pp YoY 0.0pp QoQ |
+1.2pp | 2.0% | 2.3% | 1.7% | 94% |
| Net Income ($, YTD) |
$1.1B
+98.8% YoY — QoQ |
+$822.2M | $296.8M | $307.8M | $40.4M | 94% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.