Results

Ally Auto Receivables Trust 2022-2

02/19/2026 | Press release | Distributed by Public on 02/19/2026 12:00

Asset-Backed Issuer Distribution Report (Form 10-D)


Statement to Securityholder
Ally Auto Receivables Trust 2022-2
Deal Information Table of Contents
Asset Type: Consumer Retail 1. Class Distribution Summary
2. Note Factor Summary
Closing Date: 10/12/2022 3. Interest Summary
4. Collections and Distributions
Bloomberg Ticker: ALLYA 2022-2 5. Cash Reserve
6. Collateral Summary
Collection Period: 7. Net Charge-Offs, Delinquencies, and Bankruptcies
Begin 1/1/2026 8. Performance Tests
End 1/31/2026 9. Supplemental Disclosures
Determination Date: 2/10/2026
Distribution Date: 2/17/2026
ABS Investor Relations:
Servicer: Ally Bank
Telephone: (866) 710-4623
E-Mail: [email protected]

Additional information about the transaction can be found in the prospectus, available on the SEC website (http://www.sec.gov) under the CIK number 0001946472.

Page 1 of 8


Statement to Securityholder
Ally Auto Receivables Trust 2022-2
1. Class Distribution Summary
Class Distribution
Class CUSIP/
CUSIP-RegS 		Initial
Note Principal Balance 		Beginning
Note Principal Balance 		Principal Interest Total Ending
Note Principal Balance
A-1 02008MAA7 234,000,000.00 0.00 0.00 0.00 0.00 0.00
A-2 02008MAB5 350,000,000.00 0.00 0.00 0.00 0.00 0.00
A-3 02008MAC3 351,000,000.00 16,512,395.86 11,425,134.45 65,499.17 11,490,633.62 5,087,261.41
A-4 02008MAD1 76,920,000.00 76,920,000.00 0.00 312,167.00 312,167.00 76,920,000.00
B 02008MAE9 22,510,000.00 22,510,000.00 0.00 103,546.00 103,546.00 22,510,000.00
C 02008MAF6 18,760,000.00 18,760,000.00 0.00 89,422.67 89,422.67 18,760,000.00
D 02008MAG4 13,940,000.00 13,940,000.00 0.00 79,458.00 79,458.00 13,940,000.00
Total Notes 1,067,130,000.00 148,642,395.86 11,425,134.45 650,092.84 12,075,227.29 137,217,261.41
Certificates 229,466.10
Total Class Distribution 12,304,693.39

Page 2 of 8


Statement to Securityholder
Ally Auto Receivables Trust 2022-2
2. Note Factor Summary
(Amount per $1,000 of Original Principal)
Distribution
Class Beginning Principal Interest Total Ending
A-1 0.0000000 0.0000000 0.0000000 0.0000000 0.0000000
A-2 0.0000000 0.0000000 0.0000000 0.0000000 0.0000000
A-3 47.0438628 32.5502406 0.1866073 32.7368479 14.4936223
A-4 1,000.0000000 0.0000000 4.0583333 4.0583333 1000.0000000
B 1,000.0000000 0.0000000 4.6000000 4.6000000 1000.0000000
C 1,000.0000000 0.0000000 4.7666668 4.7666668 1000.0000000
D 1,000.0000000 0.0000000 5.7000000 5.7000000 1000.0000000
Total Notes 139.2917413 128.5853283

Page 3 of 8


Statement to Securityholder
Ally Auto Receivables Trust 2022-2
3. Interest Summary

A. Target Interest Calculation
Fixed Rate Variable Rate
Class Beginning Note Principal Balance Accrual Methodology Interest Accrual Days Total Applicable Index Margin Total Target Interest Calculation
A-1 0.00 Actual/360 33 3.737% N/A N/A N/A 0.00
A-2 0.00 30/360 30 4.620% N/A N/A N/A 0.00
A-3 16,512,395.86 30/360 30 4.760% N/A N/A N/A 65,499.17
A-4 76,920,000.00 30/360 30 4.870% N/A N/A N/A 312,167.00
B 22,510,000.00 30/360 30 5.520% N/A N/A N/A 103,546.00
C 18,760,000.00 30/360 30 5.720% N/A N/A N/A 89,422.67
D 13,940,000.00 30/360 30 6.840% N/A N/A N/A 79,458.00
Total 148,642,395.86 650,092.84
B. Interest Distribution
Class Beginning
Unpaid Interest Carryover Shortfall 		Target
Interest Calculation 		Interest Shortfall Allocated/ (Repaid) Interest Distribution Remaining
Unpaid Interest Carryover Shortfall
(1) (2) (3) (4) = (2) - (3) (5) = (1) + (3)
A-1 0.00 0.00 0.00 0.00 0.00
A-2 0.00 0.00 0.00 0.00 0.00
A-3 0.00 65,499.17 0.00 65,499.17 0.00
A-4 0.00 312,167.00 0.00 312,167.00 0.00
B 0.00 103,546.00 0.00 103,546.00 0.00
C 0.00 89,422.67 0.00 89,422.67 0.00
D 0.00 79,458.00 0.00 79,458.00 0.00
Total 0.00 650,092.84 0.00 650,092.84 0.00
Page 4 of 8


Statement to Securityholder
Ally Auto Receivables Trust 2022-2
4. Collections and Distributions
Collections
Receipts During the Period - Principal 11,057,483.20
Receipts During the Period - Interest 934,927.10
Administrative Purchase Payments 260,147.29
Warranty Payments 0.00
Liquidation Proceeds Including Recoveries (Net of Liquidation Expenses) 191,289.10
Other Fees or Expenses Paid 0.00
Total Collections 12,443,846.69
Beginning Reserve Account Balance 2,679,883.67
Total Available Amount 15,123,730.36
Distributions
Basic Servicing Fee 137,653.30
Amounts paid in connection with an Asset Representations Review 0.00
Aggregate Class A Interest Distributable Amount 377,666.17
First Priority Principal Distributable Amount 0.00
Aggregate Class B Interest Distributable Amount 103,546.00
Second Priority Principal Distributable Amount 0.00
Aggregate Class C Interest Distributable Amount 89,422.67
Third Priority Principal Distributable Amount 0.00
Aggregate Class D Interest Distributable Amount 79,458.00
Fourth Priority Principal Distributable Amount 0.00
Reserve Account Deposit 2,679,883.67
Noteholders' Regular Principal Distributable Amount 11,425,134.45
Indenture Trustee expenses 0.00
Unpaid Fees due to Trustees, Administrator and Asset Representations Reviewer 1,500.00
Excess Total Available Amount to the Certificateholders 229,466.10
Total Distributions 15,123,730.36

Page 5 of 8


Statement to Securityholder
Ally Auto Receivables Trust 2022-2
5. Cash Reserve
Reductions
Initial Balance Beginning Balance Additions Draws Releases Ending Balance Specified Reserve Account Balance
2,679,883.67 2,679,883.67 0.00 0.00 0.00 2,679,883.67 2,679,883.67

6. Collateral Summary
Initial Beginning Ending
Balances Number of Receivables 59,250 20,258 19,445
Aggregate Receivables Principal Balance 1,071,953,466.28 162,577,790.92 151,152,656.47
Aggregate Amount Financed 1,112,887,614.32 165,183,962.71 153,515,632.35
Pool Factor 15.1664971 14.1006733
Weighted Averages Coupon 6.55% 6.65% 6.65%
Original Maturity 69.41 71.99 72.12
Remaining Maturity 55.00 23.48 22.74

Prepayment Percentage Monthly Period
41
1.01%
Page 6 of 8


Statement to Securityholder
Ally Auto Receivables Trust 2022-2
7. Net Charge-Offs, Delinquencies, and Bankruptcies
Net Charge-Offs Cumulative Net Charge-Offs
Period Average Aggregate Amount Financed Number of Units Charged-Off Net Charge-Offs (Recoveries) Average Net Charge-Offs (Recoveries) Loss Rate Aggregate Amount Financed Cumulative Net Charge-Offs Cumulative Loss Rate
Current 159,349,797.53 30 158,878.23 5,295.94 1.1964% 1,112,887,614.32 10,034,904.72 0.9017%
Preceding 171,538,974.00 36 200,967.23 5,582.42 1.4059%
Next Preceding 183,840,206.94 21 46,115.56 2,195.98 0.3010%
Third Preceding 196,487,818.97 25 55,771.72 2,230.87 0.3406%
Four Month Average 0.8110%

Delinquencies Delinquency Stratification
Period Total Accounts Accounts over 60 Percent Delinquent Days Total Accounts Total Balance Percent Delinquent
Current 19,445 176 0.9051% 31 - 60 402 4,347,522.81 2.8320%
Preceding 20,258 177 0.8737% 61 - 90 143 1,528,903.23 0.9959%
Next Preceding 21,059 189 0.8975% 91 - 120 32 362,050.81 0.2358%
Three Month Average 0.8921% > 120 1 6,083.92 0.0040%
Bankruptcies
Total Accounts Total Balance
Prior Period 225 2,273,274.57 1
Additions 7 53,357.48
Removals2 9 71,240.79
Ending 223 2,255,391.26

1 Total Balance for Prior Period reflects the aggregate balance as of the last day of the related Collection Period.
2 Include bankruptcies returned to active status, bankruptcies paid-in-full, and charge-offs on prior period bankruptcies.
Page 7 of 8


Statement to Securityholder
Ally Auto Receivables Trust 2022-2
8. Performance Tests
For the Collection Period
Event of Default All Tests Passed
Servicer Default All Tests Passed
Overcollateralization:
Initial 4,823,466.28
Current 13,935,395.06 Overcollateralization Target Reached? YES
Target 13,935,395.06
Asset Representations Review Delinquency Trigger:
Monthly Period Trigger Monthly 61+
1-12 1.70% Period Trigger Delinquencies
13-24 2.60% 41 3.90% 1.24% Pass
25-36 3.10%
37+ 3.90%
9. Supplemental Disclosures
For the Collection Period
Supplemental Servicing Fees 42,736.12
Other Fees or Expenses Accrued 0.00
Liquidation Expenses 16,500.00
Have there been any material modifications, extensions, or waivers relating to the terms of or fees, penalties or payments on, pool assets during the period or that, cumulatively, have become material over time? No
Have there been any material changes in determining or defining delinquencies, charge-offs or uncollectible amounts? No
Have there been any receivables with respect to which material breaches of pool asset representations or warranties or transaction covenants have occurred? No
Page 8 of 8

Ally Auto Receivables Trust 2022-2 published this content on February 19, 2026, and is solely responsible for the information contained herein. Distributed via EDGAR on February 19, 2026 at 18:00 UTC. If you believe the information included in the content is inaccurate or outdated and requires editing or removal, please contact us at [email protected]