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Ally Bank

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

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2024-Q2QoQ 0

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

Quarterly Headline

2024-Q2

Bank #3284070 2024-Q2 Vital Signs Score: 81/100 — overall strong. 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. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.26% of loans.

What changed this quarter

Compared to Q1 2024:
↓ 0 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↑ +1
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -2
85
Sub-score

Liquidity is strong: brokered 5.6%, loans/deposits 87.0%.

Cash / Assets
—
Loans / Deposits
86.98%
Brokered %
5.61%
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
75
Sub-score

Capital position is stable: Tier 1 RBC 11.81%, CET1 11.81%, leverage 9.46%.

Tier 1 RBC
11.81%
CET1
11.81%
Leverage
9.46%
No watch items at this period.

Asset Quality

StableQoQ +1
71
Sub-score

Asset quality is stable: Adjusted NPL 0.90%, Texas Ratio 5.7%, NCO YTD 1.26%.

Adjusted NPL
0.90%
Govt-guarantees stripped
Texas Ratio
5.7%
NCO YTD
1.26%
30-89 PD
2.76%
Band 0.3% / 3.0%
90+ PD
0.05%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.26% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 2.58% of loans, coverage 296.0%, true coverage 230.2%.

ALLL / Loans
2.58%
Coverage
296.0%
True Loss Coverage
230.2%
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