Ally Bank

Sandy, UtahFDIC Cert #57803

STATEEstablished 20041 branch

Holding company: ALLY FINANCIAL INCRegulator: FED

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$4.56B
Investor CRE	$2.81B
Multifamily	$91M
Construction	$472M
1–4 family	$15.4B
C&I	$33.4B
Agriculture	$0
Other	$83.3B

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$140B

+3.2%y/y

Percentile by value89th percentileby value

FDICLNLSGR

Net loans

$136B

+3.2%y/y

Percentile by value89th percentileby value

FDICLNLSNET

Loans YoY

+3.16%

+288.5%y/y

Percentile by value22nd percentileby value

FDICLNLSNET

L/D

87.4%

+2.5%y/y

Percentile by value64th percentileby value

FDICLNLSNET + DEP

Loans/assets

73.5%

+1.3%y/y

Percentile by value70th percentileby value

FDICLNLSNET + ASSET

RE loans %

16.71%

−5.1%y/y

Percentile by value14th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

17%

+26.5%y/y

Percentile by value14th percentileby value

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

+19.4%y/y

Percentile by value18th percentileby value

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

704points

+3.7%y/y

Peer standing89th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

3.26%

+4.3%y/y

Percentile by value33rd percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

2.01%

+28.3%y/y

Percentile by value11th percentileby value

FDICLNRENROT + LNLSGR

C&I %

23.85%

+5.9%y/y

Percentile by value77th percentileby value

FDICLNCI + LNLSGR