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Ally Bank

IDRSSD: 3284070
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2023-Q4QoQ +12

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #3284070 2023-Q4 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Reserves (strong). Weakest pillar: Asset Quality (stable).

Liquidity:Strong
Securities:Unknown
Capitalization:Stable
Asset Quality:Stable
Reserves:Strong

Top 3 Watch Items

  1. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.39% of loans.

What changed this quarter

Compared to Q3 2023:
↑ +12 ptscomposite
  • Liquidity
    ↓ -8
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↑ +28
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -8
84
Sub-score

Liquidity is strong: brokered 6.9%, loans/deposits 86.7%.

Cash / Assets
—
Loans / Deposits
86.74%
Brokered %
6.92%
No watch items at this period.

Securities

Unknown
—
Sub-score

Insufficient data to compute a narrative for this pillar.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
—
No watch items at this period.

Capitalization

StableQoQ 0
73
Sub-score

Capital position is stable: Tier 1 RBC 11.24%, leverage 9.07%.

Tier 1 RBC
11.24%
CET1
—
Leverage
9.07%
No watch items at this period.

Asset Quality

StableQoQ +28
63
Sub-score

Asset quality is stable: Adjusted NPL 1.01%, Texas Ratio 6.7%, NCO YTD 2.39%.

Adjusted NPL
1.01%
Govt-guarantees stripped
Texas Ratio
6.7%
NCO YTD
2.39%
30-89 PD
2.79%
Band 0.3% / 3.0%
90+ PD
0.05%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 2.39% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 2.55% of loans, coverage 259.8%, true coverage 215.3%.

ALLL / Loans
2.55%
Coverage
259.8%
True Loss Coverage
215.3%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 04:25:59 UTC