Ally Bank
RSSD 3284070 · UT · Total assets $184,648M
Composite CAMELS
2
2 — Satisfactory
C
Capital
2
0 findings
A
Asset Quality
2
0 findings
M
Management
2
0 findings
E
Earnings
2
0 findings
L
Liquidity
2
0 findings
S
Sensitivity
2
0 findings
0
Critical
0
High
0
Moderate
0
Low
24
Procedures run
Findings
No exceptions identified
Across 24 procedures, every threshold was within tolerances. The composite rating reflects a sound institution with no supervisory concerns at this examination cycle.
Key ratios computed
Tier 1 ratio
11.94%
↑ rank 23 of 33 · regional
Tier 1 leverage
9.40%
↑ rank 17 of 34 · regional
Total capital
13.21%
↑ rank 24 of 34 · regional
NPL ratio
1.09%
ACL coverage
250.77%
CRE concentration
2.37%
Construction conc.
1.99%
ROA (annualized)
0.79%
↑ rank 27 of 34 · regional
NIM
3.82%
↑ rank 4 of 34 · regional
Efficiency ratio
51.43%
↓ rank 8 of 34 · regional
Loans / Deposits
86.81%
Brokered / Deposits
4.30%
Uninsured / Deposits
10.10%
Liquid asset ratio
5.27%
HTM loss / Tier 1
—
Asset growth YoY
—
Trend — last 8 quarters
Total assets ($M)
$181,409M
23Q03$186,383M
23Q06$187,350M
23Q09$185,721M
23Q12$186,114M
24Q03$182,369M
24Q06$181,969M
24Q09$182,176M
24Q12$181,409M
Tier 1 leverage
9.40%
23Q039.18%
23Q069.18%
23Q099.04%
23Q129.07%
24Q039.19%
24Q069.47%
24Q099.52%
24Q129.40%
Tier 1 RBC ratio
11.94%
23Q0311.43%
23Q0611.44%
23Q0911.27%
23Q1211.24%
24Q0311.53%
24Q0611.81%
24Q0911.92%
24Q1211.94%
ROA (YTD ann.)
0.79%
23Q031.08%
23Q061.15%
23Q091.06%
23Q120.91%
24Q030.78%
24Q061.03%
24Q091.01%
24Q120.79%
NIM (YTD ann.)
3.82%
23Q033.93%
23Q063.85%
23Q093.82%
23Q123.80%
24Q033.68%
24Q063.73%
24Q093.78%
24Q123.82%
Efficiency ratio
51.4%
23Q0352.5%
23Q0651.2%
23Q0951.5%
23Q1252.3%
24Q0355.7%
24Q0653.1%
24Q0952.2%
24Q1251.4%
This report was produced in <200ms from the underlying procedures library. Production deployments cite source documents directly from your loan tape, GL, and core system.
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