Ally Auto Receivables Trust 2023-1

02/19/2026 | Press release | Distributed by Public on 02/19/2026 12:05

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


Statement to Securityholder
Ally Auto Receivables Trust 2023-1
Deal Information Table of Contents
Asset Type: Consumer Retail 1. Class Distribution Summary
2. Note Factor Summary
Closing Date: 7/19/2023 3. Interest Summary
4. Collections and Distributions
Bloomberg Ticker: ALLYA 2023-1 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 0001980826.

Page 1 of 8


Statement to Securityholder
Ally Auto Receivables Trust 2023-1
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 02007WAA6 233,020,000.00 0.00 0.00 0.00 0.00 0.00
A-2 02007WAB4 372,010,000.00 0.00 0.00 0.00 0.00 0.00
A-3 02007WAC2 372,010,000.00 185,499,015.48 17,096,290.69 844,020.52 17,940,311.21 168,402,724.79
A-4 02007WAD0 69,800,000.00 69,800,000.00 0.00 306,538.33 306,538.33 69,800,000.00
B 02007WAE8 23,290,000.00 23,290,000.00 0.00 111,792.00 111,792.00 23,290,000.00
C 02007WAF5 19,410,000.00 19,410,000.00 0.00 96,403.00 96,403.00 19,410,000.00
D 02007WAG3 14,420,000.00 14,420,000.00 0.00 80,992.33 80,992.33 14,420,000.00
Total Notes 1,103,960,000.00 312,419,015.48 17,096,290.69 1,439,746.18 18,536,036.87 295,322,724.79
Certificates 02007WAH1 480,716.93
Total Class Distribution 19,016,753.80

Page 2 of 8


Statement to Securityholder
Ally Auto Receivables Trust 2023-1
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-3 498.6398631 45.9565353 2.2688114 48.2253467 452.6833278
A-4 1,000.0000000 0.0000000 4.3916666 4.3916666 1000.0000000
B 1,000.0000000 0.0000000 4.8000000 4.8000000 1000.0000000
C 1,000.0000000 0.0000000 4.9666667 4.9666667 1000.0000000
D 1,000.0000000 0.0000000 5.6166664 5.6166664 1000.0000000
Total Notes 282.9984922 267.5121606

Page 3 of 8


Statement to Securityholder
Ally Auto Receivables Trust 2023-1
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 5.591% N/A N/A N/A 0.00
A-2 0.00 30/360 30 5.760% N/A N/A N/A 0.00
A-3 185,499,015.48 30/360 30 5.460% N/A N/A N/A 844,020.52
A-4 69,800,000.00 30/360 30 5.270% N/A N/A N/A 306,538.33
B 23,290,000.00 30/360 30 5.760% N/A N/A N/A 111,792.00
C 19,410,000.00 30/360 30 5.960% N/A N/A N/A 96,403.00
D 14,420,000.00 30/360 30 6.740% N/A N/A N/A 80,992.33
Total 312,419,015.48 1,439,746.18
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 0.00 844,020.52 0.00 844,020.52 0.00
A-4 0.00 306,538.33 0.00 306,538.33 0.00
B 0.00 111,792.00 0.00 111,792.00 0.00
C 0.00 96,403.00 0.00 96,403.00 0.00
D 0.00 80,992.33 0.00 80,992.33 0.00
Total 0.00 1,439,746.18 0.00 1,439,746.18 0.00
Page 4 of 8


Statement to Securityholder
Ally Auto Receivables Trust 2023-1
4. Collections and Distributions
Collections
Receipts During the Period - Principal 16,291,633.44
Receipts During the Period - Interest 2,417,142.47
Administrative Purchase Payments 0.00
Warranty Payments 0.00
Liquidation Proceeds Including Recoveries (Net of Liquidation Expenses) 583,404.24
Other Fees or Expenses Paid 0.00
Total Collections 19,292,180.15
Beginning Reserve Account Balance 2,772,351.62
Total Available Amount 22,064,531.77
Distributions
Basic Servicing Fee 273,926.35
Amounts paid in connection with an Asset Representations Review 0.00
Aggregate Class A Interest Distributable Amount 1,150,558.85
First Priority Principal Distributable Amount 0.00
Aggregate Class B Interest Distributable Amount 111,792.00
Second Priority Principal Distributable Amount 0.00
Aggregate Class C Interest Distributable Amount 96,403.00
Third Priority Principal Distributable Amount 0.00
Aggregate Class D Interest Distributable Amount 80,992.33
Fourth Priority Principal Distributable Amount 2,680,062.24
Reserve Account Deposit 2,772,351.62
Noteholders' Regular Principal Distributable Amount 14,416,228.45
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 480,716.93
Total Distributions 22,064,531.77

Page 5 of 8


Statement to Securityholder
Ally Auto Receivables Trust 2023-1
5. Cash Reserve
Reductions
Initial Balance Beginning Balance Additions Draws Releases Ending Balance Specified Reserve Account Balance
2,772,351.62 2,772,351.62 0.00 0.00 0.00 2,772,351.62 2,772,351.62

6. Collateral Summary
Initial Beginning Ending
Balances Number of Receivables 50,424 25,052 24,364
Aggregate Receivables Principal Balance 1,108,940,649.63 326,835,243.93 309,738,953.24
Aggregate Amount Financed 1,121,998,940.08 328,711,617.40 311,459,906.20
Pool Factor 29.4727445 27.9310668
Weighted Averages Coupon 8.68% 8.90% 8.92%
Original Maturity 69.39 70.58 70.66
Remaining Maturity 59.78 33.77 33.01

Prepayment Percentage Monthly Period
32
1.21%
Page 6 of 8


Statement to Securityholder
Ally Auto Receivables Trust 2023-1
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 320,085,761.80 53 376,673.52 7,107.05 1.4121% 1,121,998,940.08 12,707,089.68 1.1325%
Preceding 337,383,032.60 38 398,857.43 10,496.25 1.4187%
Next Preceding 354,322,945.53 37 288,905.69 7,808.26 0.9784%
Third Preceding 371,819,829.35 34 188,730.70 5,550.90 0.6091%
Four Month Average 1.1046%

Delinquencies Delinquency Stratification
Period Total Accounts Accounts over 60 Percent Delinquent Days Total Accounts Total Balance Percent Delinquent
Current 24,364 264 1.0836% 31 - 60 454 7,564,451.84 2.4287%
Preceding 25,052 264 1.0538% 61 - 90 214 3,572,213.29 1.1469%
Next Preceding 25,740 256 0.9946% 91 - 120 47 880,671.49 0.2828%
Three Month Average 1.0440% > 120 3 37,428.46 0.0120%
Bankruptcies
Total Accounts Total Balance
Prior Period 237 3,725,208.76 1
Additions 23 349,140.46
Removals2 8 161,406.03
Ending 252 3,912,943.19

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 2023-1
8. Performance Tests
For the Collection Period
Event of Default All Tests Passed
Servicer Default All Tests Passed
Overcollateralization:
Initial 4,980,649.63
Current 14,416,228.45 Overcollateralization Target Reached? YES
Target 14,416,228.45
Asset Representations Review Delinquency Trigger:
Monthly Period Trigger Monthly 61+
1-12 1.80% Period Trigger Delinquencies
13-24 2.80% 32 3.10% 1.44% Pass
25-36 3.10%
37+ 4.60%
9. Supplemental Disclosures
For the Collection Period
Supplemental Servicing Fees 52,538.04
Other Fees or Expenses Accrued 0.00
Liquidation Expenses 29,150.00
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 2023-1 published this content on February 19, 2026, and is solely responsible for the information contained herein. Distributed via EDGAR on February 19, 2026 at 18:06 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]