BlastPoint's Banking Scorecard
Ally Bank
Sandy, UT
Ally Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.27% above tier average
- + Efficiency Ratio 4.05% below tier average
- + Delinquency Rate 0.06% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 19.89% below tier average
- - ROA 0.17% below tier average
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
|
+$138.7B |
$47.0B
-1.9% YoY
|
$31.5B
+16.1% YoY
|
$6.2B
+9.1% YoY
|
Top 5.1% in tier |
| Total Loans ? |
$136.5B
+3.2% YoY
+1.6% QoQ
|
+$107.1B |
$29.4B
-0.4% YoY
|
$18.8B
+6.7% YoY
|
$3.2B
+10.8% YoY
|
Top 3.6% in tier |
| Total Deposits ? |
$156.2B
+0.6% YoY
+0.8% QoQ
|
+$117.8B |
$38.4B
-1.6% YoY
|
$24.2B
+10.6% YoY
|
$4.8B
+8.2% YoY
|
Top 4.4% in tier |
| Return on Assets ? |
1.11%
+21.9% QoQ
|
-0.17% |
1.28%
+18.7% YoY
|
2.19%
+3.7% YoY
|
1.23%
+13.4% YoY
|
40% |
| Net Interest Margin ? |
4.05%
+2.9% YoY
+0.5% QoQ
|
+0.27% |
3.77%
+5.8% YoY
|
7.79%
+9.7% YoY
|
3.89%
+5.7% YoY
|
82% |
| Efficiency Ratio ? |
49.96%
-4.5% YoY
-0.1% QoQ
|
-4.05% |
54.01%
-3.7% YoY
|
105.45%
+9.4% YoY
|
66.95%
-4.1% YoY
|
68% |
| Delinquency Rate ? |
0.96%
-15.7% YoY
-6.2% QoQ
|
-0.06% |
1.02%
-3.8% YoY
|
1.46%
+7.1% YoY
|
0.95%
+18.8% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
87.37%
+2.5% YoY
+0.8% QoQ
|
+6.58% |
80.79%
+1.9% YoY
|
84.36%
+3.4% YoY
|
76.70%
+0.9% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
0.15%
-4.7% YoY
+4.7% QoQ
|
-19.89% |
20.04%
+0.2% YoY
|
17.87%
+4.4% YoY
|
22.01%
-1.2% YoY
|
Bottom 5.8% in tier |
| Nonperforming Asset Ratio ? |
0.71%
-14.3% YoY
-5.1% QoQ
|
-0.01% |
0.72%
+4.2% YoY
|
1.01%
+17.9% YoY
|
0.67%
+19.3% YoY
|
30% |
| Tier 1 Capital Ratio ? |
12.38%
+3.4% YoY
-1.0% QoQ
|
-3.13% |
15.51%
-0.4% YoY
|
22.97%
+16.9% YoY
|
17.06%
+0.8% YoY
|
38% |
| Non-Interest Income / Assets ? |
0.30%
+2.3% YoY
-73.6% QoQ
|
+0.07% |
0.22%
+0.3% YoY
|
1.04%
+5.8% YoY
|
0.32%
+4.1% YoY
|
80% |
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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.