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[@KenTumin](/creator/twitter/KenTumin)
"Ally the largest all-digital direct bank is releasing Q2 earnings on Friday. In Q1 it reported $146B in retail deposit balances (up from $143B in Q4). With Ally paying deposit rates in Q2 that have been below average (for digital banks) will deposit balances grow again"  
![@KenTumin Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1088185143364411396.png) [@KenTumin](/creator/x/KenTumin) on [X](/post/tweet/1944449132954808669) 2025-07-13 17:29:34 UTC 3419 followers, XXX engagements


"@biancoresearch If Waller does become chair he may regret it. The Fed rate cuts will likely not be deep enough for Trump. From Wallers speech: the data imply the policy rate should be around neutral which the median of FOMC participants estimates is X percent"  
![@KenTumin Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1088185143364411396.png) [@KenTumin](/creator/x/KenTumin) on [X](/post/tweet/1946584721468604475) 2025-07-19 14:55:38 UTC 3420 followers, XXX engagements


"Allys 2Q25 Earnings Call Excerpt: Deposits represent XX% of our interest-bearing liabilities and XX% are FDIC insured. Both among the highest in the industry. These efficient stable deposits remain a key component in our strategy and overall profitability. 4/6"  
![@KenTumin Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1088185143364411396.png) [@KenTumin](/creator/x/KenTumin) on [X](/post/tweet/1946252717388644599) 2025-07-18 16:56:22 UTC 3420 followers, XX engagements


"Insights into the growth of the Big 4: "In recent years Wells Fargo & Co. has been stuck under an asset cap Citigroup Inc. has been undergoing a painful overhaul and Bank of America Corp. has been dragged down by a pile of low-yielding bonds bought before rates went up." 1/2"  
![@KenTumin Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1088185143364411396.png) [@KenTumin](/creator/x/KenTumin) on [X](/post/tweet/1945917744668434602) 2025-07-17 18:45:18 UTC 3419 followers, XXX engagements


"Largest X banks are releasing Q2 earnings next week: JPMorgan Chase #1 Bank of America #2 Citigroup #3 Well Fargo #4 Goldman Sachs #5 Morgan Stanley #6 U.S. Bancorp #7 PNC #8 Truist #9 (Size rankings as of 3/31/25 pre CapitalOne/Disvover merger)"  
![@KenTumin Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1088185143364411396.png) [@KenTumin](/creator/x/KenTumin) on [X](/post/tweet/1943688699260055697) 2025-07-11 15:07:52 UTC 3415 followers, 1089 engagements


"Overall news on Allys 2Q25 earnings: Ally Financial logged higher profit in the second quarter boosted in part by an influx of new customers. 5/6"  
![@KenTumin Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1088185143364411396.png) [@KenTumin](/creator/x/KenTumin) on [X](/post/tweet/1946252718789550477) 2025-07-18 16:56:22 UTC 3420 followers, XXX engagements


"Bank of America Reports Increase in Second-Quarter Profit @WSJ Net interest income grew for the fourth consecutive quarter boosting consumer banking income by XX% to $XXXX billion"  
![@KenTumin Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1088185143364411396.png) [@KenTumin](/creator/x/KenTumin) on [X](/post/tweet/1945679992479797401) 2025-07-17 03:00:33 UTC 3406 followers, XXX engagements


"Key economic events this week from @KobeissiLetter My note on Powell's Tuesday speech: This speech will likely not touch monetary policy since this week is in the Fed's blackout period. The speech will be the opening remarks to a conference on banking regulations"  
![@KenTumin Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1088185143364411396.png) [@KenTumin](/creator/x/KenTumin) on [X](/post/tweet/1947016323302576594) 2025-07-20 19:30:39 UTC 3420 followers, XX engagements


"Insights into Ally Bank's deposit rates from Allys 2Q25 Earnings Report: Retail Deposit Balances: $143B (down $3B from Q1) Primary Deposit Customers: 3.4M (up 30K from Q1) Average Customer Balance: $43K (down $1K from Q1) 🧵 1/6"  
![@KenTumin Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1088185143364411396.png) [@KenTumin](/creator/x/KenTumin) on [X](/post/tweet/1946252711801860457) 2025-07-18 16:56:20 UTC 3420 followers, 1592 engagements


"How Index-Fund Investing Turned Into an Extreme Sport @jasonzweigwsj for @WSJ Exchange-traded funds are becoming far more concentrated amplifying risks"  
![@KenTumin Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1088185143364411396.png) [@KenTumin](/creator/x/KenTumin) on [X](/post/tweet/1943763314418286636) 2025-07-11 20:04:22 UTC 3415 followers, XXX engagements


"Millions Stolen Death Threats: Should Banks Do More to Fight Pig Butchering @dgtokar for @WSJ Scams that trick people into transferring funds fall outside most current fraud protections. Some victims want banks to take responsibility"  
![@KenTumin Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1088185143364411396.png) [@KenTumin](/creator/x/KenTumin) on [X](/post/tweet/1946755567952826761) 2025-07-20 02:14:31 UTC 3420 followers, XXX engagements


""Meanwhile JPMorgan picked up First Republic Bank on the cheap and is now the biggest US bank by $X trillion in assets turning what was once a competitive top of the industry into a one-firm category." 2/2 From @business"  
![@KenTumin Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1088185143364411396.png) [@KenTumin](/creator/x/KenTumin) on [X](/post/tweet/1945917746278998403) 2025-07-17 18:45:18 UTC 3419 followers, XXX engagements


"Allys 2Q25 Earnings Supplement (Deposits): Deposit mix: Retail CD: XX% MMA/OSA/Checking: XX% Brokered & other: X% Average retail deposit rates from 3Q24 to 2Q25: XXXX% XXXX% 3/6"  
![@KenTumin Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1088185143364411396.png) [@KenTumin](/creator/x/KenTumin) on [X](/post/tweet/1946252715249532988) 2025-07-18 16:56:21 UTC 3420 followers, XX engagements


"This week the X largest U.S. banks released Q2 earnings. Based on these reports I tallied their Q2 total assets. JP Morgan Chase is still the largest with more than $XXX Trillion in assets. They also had the most asset growth in Q2. Morgan Stanley had the second largest growth"  
![@KenTumin Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1088185143364411396.png) [@KenTumin](/creator/x/KenTumin) on [X](/post/tweet/1945917742759944560) 2025-07-17 18:45:17 UTC 3419 followers, XXX engagements


"Allys 2Q25 Earnings Press Release on Deposits: The average retail portfolio deposit rate was XXXX% down XX bps year over year and down XX bps quarter over quarter Q2 deposit decline blamed on seasonal tax outflows 2/6"  
![@KenTumin Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1088185143364411396.png) [@KenTumin](/creator/x/KenTumin) on [X](/post/tweet/1946252713496318147) 2025-07-18 16:56:21 UTC 3419 followers, XX engagements