Ally Bank

200 West Civic Centre Drive
Sandy, UT 84070

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Ally Bank


General Bank Information

FDIC Insured Yes
FDIC Certificate # 57803
Date Established 2004
Assets $130.32 billion
Loans $96.16 billion
Deposits $91.83 billion
Capital $16.38 billion

Ally Bank is an FDIC insured institution located in Sandy, UT. It was founded in 2004 and has approximately $130.32 billion in assets.

For a more detailed analysis of Ally Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Ally Bank’s loan portfolio are Commercial and Industrial Loans, Consumer Auto Loans, and 1-4 Family Residential Loans.

Compared to other banks in Utah, Ally Bank has a significantly higher percent of Consumer Auto Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 12.50
Credit Card Loans 0.00
Consumer Auto Loans 41.28
Small Business Loans 0.07
Construction and Development Loans 0.33
Commercial Real Estate 3.62
Commercial and Industrial Loans 42.66
Farm Loans 0.00

Deposit Rates

Your Current Location: Virginia, VA 20146

There are currently no rates available for Ally Bank, but see these great savings and CD rates:

Checking Rates APY MIN FEE
Interest Checking Account 0.75% $0 $0.00 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Ally Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Learn More
Ally Mortgage
NMLS ID: 181005
4.431% 4.375% 0.38 $1,746 $1,249 Learn More NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.266% 4.250% -0.25 $580 $1,230 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.029% 4.990% 0.13 $1,112 $1,341 Learn More
CapWest Home Loans
NMLS ID: 6521
4.534% 4.500% 0.00 $997 $1,267 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.740% $231.27 Learn More
Flagstar Bank 5.240% $275.79 Learn More

Note to Ally Bank
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Financial Details

Ally Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Ally Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Ally Bank U.S. Bank Average
2.08% 8.32%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2017, Ally Bank had $345,000,000 in non-current loans and $11,000,000 in owned real estate. To cover these potential losses it had $16,384,000,000 in equity and $760,000,000 in loans loss reserves. That gives it a Texas Ratio of 2.08%.

Return on Equity
Ally Bank U.S. Bank Average
8.52% 8.84%

Ally Bank has a Return on Equity of 8.52% versus the BestCashCow average of 8.84%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Ally Bank U.S. Bank Average
12.57% 12.21%

Ally Bank has a Capitalization of 12.57% versus the BestCashCow average of 12.21. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Ally Bank Balance Sheet Analysis

As of September 30, 2017, Ally Bank had assets of $130,315,000,000, loans of $96,160,000,000, and deposits of $91,833,000,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

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