$391B
+66.9%y/y
Percentile by value68th percentileby value
FDIC
ASSETMS
Morgan Stanley Bank, National Association
Salt Lake City, UtahFDIC Cert #32992
OCCEstablished 19901 branch
Holding company: MORGAN STANLEYRegulator: OCC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportMorgan Stanley Bank, National Association reported $391B in total assets. Deposits grew 35.95% over the prior year.
Return on assets was 1.65%, compared with the official FFIEC UBPR peer median of 1.12%. The leverage ratio was 11.04%.
- Why is Return on Assets above its official FFIEC UBPR peers?
- Why is Efficiency Ratio below its official FFIEC UBPR peers?
- Why is Tier 1 Leverage Ratio above its official FFIEC UBPR peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$254B
+35.9%y/y
Percentile by value61st percentileby value
FDIC
DEP$113B
+21.6%y/y
Percentile by value39th percentileby value
FDIC
LNLSNET1.65%
−27 bpsy/y
Peer standing100th percentile
FDIC
NETINC + ROA36.58%
+1,798 bpsy/y
Peer standing89th percentile
FDIC
NONIX + NIM + NONII + EEFFR11.04%
+96 bpsy/y
Peer standing86th percentile
FDIC
RBC1AAJPercentiles compare this bank with 29 ffiec ubpr peer group 1 — insured commercial banks having assets greater than $100 billion.
Side-by-side comparison
Morgan Stanley Bank, National Association beside its official FFIEC UBPR peers
The primary option is the peer group FFIEC assigned to this bank. The state option is FFIEC’s supplemental state group. Each pair uses the published FFIEC trimmed average when its formula matches the site registry; otherwise it uses a clearly labeled registry median within the same official membership.
UBPR membership + Call Report metricsThis bank
1.65%
Registry median
1.12%
This bank
15.71%
FFIEC trimmed average
11.36%
This bank
1.68%
Registry median
3.09%
This bank
36.58%
Registry median
55.49%
This bank
+35.95%
FFIEC trimmed average
+9.00%
This bank
+21.61%
FFIEC trimmed average
+13.44%
This bank
1.13%
FFIEC trimmed average
0.84%
This bank
11.04%
FFIEC trimmed average
9.29%
This bank
4.27%
Registry median
2.78%
This bank
20%
Registry median
55%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
This bank
1.65%
Registry median
1.78%
This bank
15.71%
FFIEC trimmed average
16.69%
This bank
1.68%
Registry median
5.01%
This bank
36.58%
Registry median
57.71%
This bank
+35.95%
FFIEC trimmed average
+10.61%
This bank
+21.61%
FFIEC trimmed average
+12.89%
This bank
1.13%
FFIEC trimmed average
1.08%
This bank
11.04%
FFIEC trimmed average
14.94%
This bank
4.27%
Registry median
3.43%
This bank
20%
Registry median
17%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $173B | $152B |
| Q3 2021 | $178B | $156B |
| Q4 2021 | $192B | $164B |
| Q1 2022 | $202B | $180B |
| Q2 2022 | $191B | $170B |
| Q3 2022 | $191B | $168B |
| Q4 2022 | $201B | $177B |
| Q1 2023 | $206B | $179B |
| Q2 2023 | $203B | $176B |
| Q3 2023 | $207B | $177B |
| Q4 2023 | $209B | $176B |
| Q1 2024 | $213B | $176B |
| Q2 2024 | $212B | $172B |
| Q3 2024 | $225B | $180B |
| Q4 2024 | $231B | $187B |
| Q1 2025 | $234B | $187B |
| Q2 2025 | $239B | $193B |
| Q3 2025 | $250B | $202B |
| Q4 2025 | $253B | $205B |
| Q1 2026 | $391B | $254B |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $208M |
| Investor CRE | $7.68B |
| Multifamily | $734M |
| Construction | $314M |
| 1–4 family | $3.7B |
| C&I | $12.7B |
| Agriculture | $0 |
| Other | $88.4B |
FFIEC UBPR comparison
How this bank compares
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA1.65%100th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.80%Median 1.12%90th 1.34%Observations 29
ROE
FDIC
NETINC + ROE15.71%80th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 7.28%Median 11.72%90th 16.79%Observations 29
NIM
FDIC
NIM + NIMY1.68%18th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 1.67%Median 3.09%90th 3.74%Observations 29
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR36.58%89th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 34.88%Median 55.49%90th 68.00%Observations 29
Deposits YoY
FDIC
DEP+35.95%90th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.82%Median +5.99%90th +35.23%Observations 29
Loans YoY
FDIC
LNLSNET+21.61%76th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +1.41%Median +8.49%90th +43.22%Observations 29
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.13%26th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.19%Median 0.89%90th 1.45%Observations 29
Leverage
FDIC
RBC1AAJ11.04%83rd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 6.94%Median 9.58%90th 11.19%Observations 29
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM4.27%14th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 2.11%Median 2.78%90th 4.85%Observations 29
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC20%21st percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 14%Median 55%90th 103%Observations 29
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA1.65%43rd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.17%Median 1.78%90th 4.71%Observations 38
ROE
FDIC
NETINC + ROE15.71%51st percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 1.90%Median 15.50%90th 38.95%Observations 38
NIM
FDIC
NIM + NIMY1.68%3rd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.16%Median 5.01%90th 13.75%Observations 38
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR36.58%70th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 25.50%Median 57.71%90th 95.22%Observations 38
Deposits YoY
FDIC
DEP+35.95%89th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −0.45%Median +5.89%90th +35.01%Observations 37
Loans YoY
FDIC
LNLSNET+21.61%75th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −7.18%Median +8.38%90th +36.64%Observations 36
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.13%44th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.67%90th 3.27%Observations 37
Leverage
FDIC
RBC1AAJ11.04%28th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.54%Median 12.82%90th 25.32%Observations 38
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM4.27%11th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 2.07%Median 3.43%90th 4.32%Observations 38
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC20%57th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 0%Median 17%90th 278%Observations 24
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
Branches & markets
Physical footprint
- Domestic offices
- 1 branch
- Headquarters
- Salt Lake City, UT
FDIC
OFFDOMOpen the Utah dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data