BlastPoint's Banking Scorecard

Ally Bank

$10B-$250B Specialty: Other UT FDIC cert 57803

Sandy, UT

135 banks in the $10B-$250B peer group nationally 11 in UT

Ally Bank has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 0.28% above tier average
+ Efficiency Ratio 3.95% below tier average
+ Delinquency Rate 0.06% below tier average

Key Concerns

Areas that may need attention

- Non-Interest-Bearing Deposit Share 19.68% below tier average
- ROA 0.18% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Total Assets ?	$185.7B +1.8% YoY +0.6% QoQ	+$138.3B	$47.4B -2.0% YoY	$30.1B +16.3% YoY	$6.2B +9.0% YoY	Top 5.2% in tier
Total Loans ?	$136.5B +3.2% YoY +1.6% QoQ	+$106.9B	$29.6B -0.4% YoY	$17.9B +6.8% YoY	$3.2B +10.7% YoY	Top 3.7% in tier
Total Deposits ?	$156.2B +0.6% YoY +0.8% QoQ	+$117.5B	$38.7B -1.6% YoY	$23.1B +10.8% YoY	$4.8B +8.0% YoY	Top 4.4% in tier
Return on Assets ?	1.11% +21.9% QoQ	-0.18%	1.28% +19.3% YoY	2.24% +5.6% YoY	1.24% +13.1% YoY	40%
Net Interest Margin ?	4.05% +2.9% YoY +0.5% QoQ	+0.28%	3.77% +5.6% YoY	7.76% +10.4% YoY	3.89% +5.7% YoY	82%
Efficiency Ratio ?	49.96% -4.5% YoY -0.1% QoQ	-3.95%	53.90% -4.0% YoY	104.30% +9.2% YoY	66.84% -3.8% YoY	67%
Delinquency Rate ?	0.96% -15.7% YoY -6.2% QoQ	-0.06%	1.02% -4.1% YoY	1.43% +8.3% YoY	0.95% +18.8% YoY	31%
Loan-to-Deposit Ratio ?	87.37% +2.5% YoY +0.8% QoQ	+6.48%	80.88% +2.0% YoY	82.66% +3.7% YoY	76.69% +0.9% YoY	40%
Non-Interest-Bearing Deposit Share ?	0.15% -4.7% YoY +4.7% QoQ	-19.68%	19.82% +0.3% YoY	18.48% +5.1% YoY	22.01% -1.1% YoY	Bottom 5.9% in tier
Nonperforming Asset Ratio ?	0.71% -14.3% YoY -5.1% QoQ	-0.01%	0.73% +4.0% YoY	0.98% +19.2% YoY	0.66% +19.3% YoY	30%
Tier 1 Capital Ratio ?	12.38% +3.4% YoY -1.0% QoQ	-3.18%	15.56% -0.1% YoY	22.82% +17.1% YoY	17.06% +0.8% YoY	38%
Non-Interest Income / Assets ?	0.30% +2.3% YoY -73.6% QoQ	+0.07%	0.23% +0.9% YoY	1.09% +7.6% YoY	0.32% +4.0% YoY	79%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 135 peers in $10B-$250B

Top Strengths (5 metrics)

Total Loans

size

Value: $136.49B

Peer Median: $29.62B

#6 of 135 Top 3.7% in $10B-$250B

Total Deposits

size

Value: $156.22B

Peer Median: $38.75B

#7 of 135 Top 4.4% in $10B-$250B

Total Assets

size

Value: $185.66B

Peer Median: $47.36B

#8 of 135 Top 5.2% in $10B-$250B

Net Interest Margin

profitability

Value: 4.05%

Peer Median: 3.77%

#25 of 135 Top 17.8% in $10B-$250B

Non-Interest Income / Assets

revenue_mix

Value: 0.30%

Peer Median: 0.23%

#29 of 135 Top 20.7% in $10B-$250B

Top Weaknesses (1 metrics)

128

Non-Interest-Bearing Deposit Share

funding

Value: 0.15%

Peer Median: 19.82%

#128 of 135 Bottom 5.9% in $10B-$250B