Ally Bank: how it compares with its peers
Against 21 U.S. banks with half to twice its assets, Ally Bank's strongest measure in Q2 2026 is net interest margin (4.14% vs. a 3.28% peer median). Its weakest relative measure is return on assets (1.20% vs. 1.09%).
| Measure | Ally Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.20% | 1.09% | Top third Ahead of 67% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.14% | 3.28% | Top third Ahead of 81% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 48.96% | 59.16% | Top third Ahead of 81% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $20.1M | $13.1M | Top third Ahead of 71% of peers |
| Loans to deposits Net loans and leases over total deposits. | 89.59% | 78.03% | Context |
What it means for lending operations
Its efficiency ratio of 48.96% is better than the 59.16% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- KeyBank National Association Cleveland, OH · $188.56B
- The Northern Trust Company Chicago, IL · $178.57B
- HSBC Bank USA, National Association Tysons, VA · $173.10B
- American Express National Bank Sandy, UT · $213.95B
- Regions Bank Birmingham, AL · $159.79B
- Manufacturers and Traders Trust Company Buffalo, NY · $218.79B
Questions about Ally Bank
How big is Ally Bank?
Ally Bank, established in 2004, is headquartered in Sandy, UT. It reported $188.18B in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Ally Bank's return on assets?
1.20% annualized in Q2 2026, against a 1.09% median for 21 U.S. banks with half to twice its assets, ahead of 67% of them.
What is Ally Bank's efficiency ratio?
48.96% in Q2 2026: it spent about 49 cents in noninterest expense for each dollar of revenue. The peer median is 59.16%, and lower is better.
Is Ally Bank growing its loans?
Net loans grew 8.1% over the year to Q2 2026, while deposits grew 3.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Utah bank ranked.