Side-by-side · Q2 2026 data
American Express National Bank vs Ally Bank
Metric by metric
| Measure | American Express National Bank | Ally Bank |
|---|---|---|
| TellerScore | 69 (stronger) | 65 |
| Capital cushion | 38 | 46 (stronger) |
| Loan quality | 79 (stronger) | 72 |
| Earnings | 100 (stronger) | 68 |
| Funding & liquidity | 60 | 71 (stronger) |
| Problem-loan coverage | 91 (stronger) | 87 |
| Peer percentile | 94th | 81st |
| Total assets | $213.9B | $188.2B |
| Deposits / shares | $171.6B | $156.6B |
| Capital ratio | 8.84% | 9.60% (stronger) |
| Problem loans | 0.63% (stronger) | 0.85% |
| Net charge-offs | 2.41% | 1.15% (stronger) |
| Return on assets | 3.70% (stronger) | 1.20% |
| Loans ÷ deposits | 97.2% | 89.6% (stronger) |
| Uninsured deposits | 18.2% | 10.4% (stronger) |
| Offices | 1 | 0 |
| CFPB complaints (3 yrs) | 30,584 | 15,221 |
| Complaints per $1B deposits | 178.3 | 97.2 (stronger) |
| Mortgage denial rate (HMDA) | — | — |
American Express National Bank has the higher TellerScore (69 vs 65). On the 8 directional measures above (where higher or lower is clearly better), American Express National Bank leads on 3 and Ally Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.