Morgan Stanley Bank, National Association
Total assets
$419.32B
▲ +75.3% YoY
Deposits
$278.94B
▲ +44.6% YoY
Loans
$114.51B
▲ +20.9% YoY
Offices
1
MORGAN STANLEY
ROA (annualized)
1.56%
ROE (annualized)
15.33%
Peer comparison
No peer data.
Profile
- Established
- 1990
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- MORGAN STANLEY
- Specialization
- All Other Over 1 Billion
- Address
- 201 S Main St, Salt Lake City, UT, 84111
- County
- Salt Lake
- Metro area
- Salt Lake City, UT
- Offices
- 1
- FDIC cert #
- 32992
- RSSD ID
- 1456501
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $419.32B | $278.94B | $114.51B | $40.63B | $2.76B | 1.56% | 1.53% | 0.28% |
| Q1 2026 | $391.31B | $254.34B | $113.13B | $41.95B | $1.33B | 1.65% | 1.68% | 0.33% |
| Q4 2025 | $253.35B | $205.15B | $101.31B | $25.58B | $4.50B | 1.86% | 1.93% | 0.34% |
| Q3 2025 | $249.68B | $201.60B | $101.21B | $25.98B | $3.37B | 1.88% | 1.97% | 0.39% |
| Q2 2025 | $239.25B | $192.90B | $94.73B | $24.65B | $2.28B | 1.95% | 2.00% | 0.39% |
| Q1 2025 | $234.48B | $187.09B | $93.02B | $23.46B | $1.12B | 1.92% | 1.96% | 0.34% |
| Q4 2024 | $230.71B | $187.09B | $84.42B | $22.09B | $4.71B | 2.16% | 2.39% | 0.31% |
| Q3 2024 | $224.86B | $180.16B | $81.27B | $24.76B | $3.56B | 2.21% | 2.47% | 0.34% |
Loan mix (Q2 2026): real estate $12.94B · commercial $8.16B · consumer $0 · securities $82.56B
Ratio pack Q2 2026 · peer medians from 160 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.56% | 1.23% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 15.3% | 11.3% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.53% | 3.55% | 5th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 36.8% | 54.9% | 14th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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