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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Salt Lake City, UT · FDIC certificate #32992 · RSSD 1456501
MORGAN STANLEY BANK NA is an FDIC-insured institution based in Salt Lake City, UT (FDIC certificate #32992). In its Q3 2026 Call Report it reported total assets of $430.1B, total deposits of $276.2B and net loans of $120.0B. Its primary federal regulator is OCC. Its current parent is MORGAN STANLEY CAPITAL MANAGEMENT, LLC.
Plain-language readout
MORGAN STANLEY BANK NA is compared with 18 verified institutions in its asset cohort for Q3 2026. A percentile of 50 means the bank sits at the cohort median; higher means a larger value than most peers, which is better or worse depending on the metric.
Brokered deposits to domestic deposits: MORGAN STANLEY BANK NA reported 0.233, in the 94.1th percentile of 18 peers, where the median is 0.047. Common equity tier 1 ratio: MORGAN STANLEY BANK NA reported 0.188, in the 88.2th percentile of 18 peers, where the median is 0.151. Selected CRE loans to gross loans and leases: MORGAN STANLEY BANK NA reported 0.082, in the 41.2th percentile of 18 peers, where the median is 0.108. Selected CRE loans to total capital: MORGAN STANLEY BANK NA reported 0.225, in the 29.4th percentile of 18 peers, where the median is 0.476. Domestic secured CRE noncurrent ratio: MORGAN STANLEY BANK NA reported 0.052, in the 87.5th percentile of 17 peers, where the median is 0.014. Deposit funding ratio: MORGAN STANLEY BANK NA reported 0.665, in the 5.9th percentile of 18 peers, where the median is 0.787. Nontrading derivative fair value to assets: MORGAN STANLEY BANK NA reported 0.000, in the 0.0th percentile of 17 peers, where the median is 0.000. Unadjusted YTD efficiency ratio: MORGAN STANLEY BANK NA reported 0.368, in the 11.8th percentile of 18 peers, where the median is 0.547. Bank equity to assets: MORGAN STANLEY BANK NA reported 0.097, in the 52.9th percentile of 18 peers, where the median is 0.094. Cash and securities to assets: MORGAN STANLEY BANK NA reported 0.386, in the 64.7th percentile of 18 peers, where the median is 0.342. Quarterly loan growth: MORGAN STANLEY BANK NA reported 0.012, in the 41.2th percentile of 18 peers, where the median is 0.017. Loan-to-asset ratio: MORGAN STANLEY BANK NA reported 0.273, in the 17.6th percentile of 18 peers, where the median is 0.495. Domestic loans to domestic deposits: MORGAN STANLEY BANK NA reported 0.420, in the 17.6th percentile of 18 peers, where the median is 0.613. Net interest margin: MORGAN STANLEY BANK NA reported 1.530, in the 11.8th percentile of 18 peers, where the median is 2.950. Net loans and leases: MORGAN STANLEY BANK NA reported 114507000.000, in the 17.6th percentile of 18 peers, where the median is 217762993.000. Nonaccrual loans ratio: MORGAN STANLEY BANK NA reported 0.005, in the 35.3th percentile of 18 peers, where the median is 0.005. Noncurrent loans ratio: MORGAN STANLEY BANK NA reported 0.005, in the 17.6th percentile of 18 peers, where the median is 0.008. Return on assets: MORGAN STANLEY BANK NA reported 1.558, in the 88.2th percentile of 18 peers, where the median is 1.184. Return on equity: MORGAN STANLEY BANK NA reported 15.330, in the 76.5th percentile of 18 peers, where the median is 12.485. Securities to assets: MORGAN STANLEY BANK NA reported 0.197, in the 29.4th percentile of 18 peers, where the median is 0.222. Selected unused commitments to assets: MORGAN STANLEY BANK NA reported 0.000, in the 11.8th percentile of 18 peers, where the median is 0.089. Time deposits maturing within one year: MORGAN STANLEY BANK NA reported 0.376, in the 0.0th percentile of 18 peers, where the median is 0.945. Total assets: MORGAN STANLEY BANK NA reported 419318000.000, in the 41.2th percentile of 18 peers, where the median is 486730500.000. Total deposits: MORGAN STANLEY BANK NA reported 278937000.000, in the 35.3th percentile of 18 peers, where the median is 395887000.000. Efficiency ratio (official UBPR): MORGAN STANLEY BANK NA reported 0.368, in the 11.8th percentile of 18 peers, where the median is 0.546. Net interest margin (official UBPR): MORGAN STANLEY BANK NA reported 0.014, in the 5.9th percentile of 18 peers, where the median is 0.029. Interest Income (TE) as a percent of Average Assets: MORGAN STANLEY BANK NA reported 0.040, in the 17.6th percentile of 18 peers, where the median is 0.043. Interest Expense as a percent of Average Assets: MORGAN STANLEY BANK NA reported 0.027, in the 88.2th percentile of 18 peers, where the median is 0.017. Net Interest Income (TE) % of Avg Assets: MORGAN STANLEY BANK NA reported 0.013, in the 5.9th percentile of 18 peers, where the median is 0.026. Noninterest Income as a percent of Average Assets: MORGAN STANLEY BANK NA reported 0.018, in the 82.4th percentile of 18 peers, where the median is 0.013. Non-Interest Expense as a percent of Average Assets: MORGAN STANLEY BANK NA reported 0.011, in the 17.6th percentile of 18 peers, where the median is 0.024. Provision for Loan Losses % of Avg Assets: MORGAN STANLEY BANK NA reported 0.001, in the 23.5th percentile of 18 peers, where the median is 0.002. Pretax Operating Income (TE) % of Avg Assets: MORGAN STANLEY BANK NA reported 0.019, in the 88.2th percentile of 18 peers, where the median is 0.015. Realized Gains(Losses) on the sale of Securities as a percent of Average Assets: MORGAN STANLEY BANK NA reported 0.000, in the 70.6th percentile of 18 peers, where the median is 0.000. Pretax Net Operating Income (TE) as a percent of Average Assets: MORGAN STANLEY BANK NA reported 0.019, in the 82.4th percentile of 18 peers, where the median is 0.015. Net Operating Income as a percent of Average Assets: MORGAN STANLEY BANK NA reported 0.014, in the 82.4th percentile of 18 peers, where the median is 0.012. Net Income Adjusted for Sub Chapter S Status as a percent of Average Assets: MORGAN STANLEY BANK NA reported 0.014, in the 82.4th percentile of 18 peers, where the median is 0.012. Average Earning Assets as a percent of Average Assets: MORGAN STANLEY BANK NA reported 0.950, in the 88.2th percentile of 18 peers, where the median is 0.921. Average Interest-Bearing Funds as a percent of Average Assets: MORGAN STANLEY BANK NA reported 0.780, in the 70.6th percentile of 18 peers, where the median is 0.744. Interest Income (TE) as a percent of Average Earning Assets: MORGAN STANLEY BANK NA reported 0.042, in the 23.5th percentile of 18 peers, where the median is 0.048. Net Interest Income (TE) as a percent of Average Earning Assets: MORGAN STANLEY BANK NA reported 0.014, in the 5.9th percentile of 18 peers, where the median is 0.029. Net Loss as a percent of Average Total Loans and Leases: MORGAN STANLEY BANK NA reported 0.001, in the 17.6th percentile of 18 peers, where the median is 0.003. Total LN&LS-30-89 DAYS Past Due %: MORGAN STANLEY BANK NA reported 0.001, in the 11.8th percentile of 18 peers, where the median is 0.003. Net Loans & Leases as a percent of Total Deposits: MORGAN STANLEY BANK NA reported 0.410, in the 17.6th percentile of 18 peers, where the median is 0.607. Net Income Attributed to Minority Interests as a percent of Average Assets: MORGAN STANLEY BANK NA reported 0.000, in the 0.0th percentile of 18 peers, where the median is 0.000. Unrealized holding gains (losses) on equity securities not held for trading as a percent of average assets: MORGAN STANLEY BANK NA reported 0.000, in the 0.0th percentile of 18 peers, where the median is 0.000. Provision for Losses Other Assets % of Avg Assets: MORGAN STANLEY BANK NA reported 0.000, in the 94.1th percentile of 18 peers, where the median is 0.000. Pre Provision Net Revenue YTD % of Average Assets (TE): MORGAN STANLEY BANK NA reported 0.020, in the 82.4th percentile of 18 peers, where the median is 0.017. Return on assets (official UBPR): MORGAN STANLEY BANK NA reported 0.014, in the 82.4th percentile of 18 peers, where the median is 0.012. Return on equity (official UBPR): MORGAN STANLEY BANK NA reported 0.153, in the 76.5th percentile of 18 peers, where the median is 0.127. Estimated uninsured to domestic deposits: MORGAN STANLEY BANK NA reported 0.440, in the 31.3th percentile of 17 peers, where the median is 0.449.
Peer history below covers 43 quarters of MORGAN STANLEY BANK NA's reported assets, deposits, net loans, ROA, ROE and NIM, most recently Q3 2026.
| Metric | Bank value | Peer median | Percentile | Peers |
|---|---|---|---|---|
| Brokered deposits to domestic deposits | 0.233 | 0.047 | 94.1th | 18 |
| Common equity tier 1 ratio | 0.188 | 0.151 | 88.2th | 18 |
| Selected CRE loans to gross loans and leases | 0.082 | 0.108 | 41.2th | 18 |
| Selected CRE loans to total capital | 0.225 | 0.476 | 29.4th | 18 |
| Domestic secured CRE noncurrent ratio | 0.052 | 0.014 | 87.5th | 17 |
| Deposit funding ratio | 0.665 | 0.787 | 5.9th | 18 |
| Nontrading derivative fair value to assets | 0.000 | 0.000 | 0.0th | 17 |
| Unadjusted YTD efficiency ratio | 0.368 | 0.547 | 11.8th | 18 |
| Bank equity to assets | 0.097 | 0.094 | 52.9th | 18 |
| Cash and securities to assets | 0.386 | 0.342 | 64.7th | 18 |
| Quarterly loan growth | 0.012 | 0.017 | 41.2th | 18 |
| Loan-to-asset ratio | 0.273 | 0.495 | 17.6th | 18 |
| Domestic loans to domestic deposits | 0.420 | 0.613 | 17.6th | 18 |
| Net interest margin | 1.530 | 2.950 | 11.8th | 18 |
| Net loans and leases | 114507000.000 | 217762993.000 | 17.6th | 18 |
| Nonaccrual loans ratio | 0.005 | 0.005 | 35.3th | 18 |
| Noncurrent loans ratio | 0.005 | 0.008 | 17.6th | 18 |
| Return on assets | 1.558 | 1.184 | 88.2th | 18 |
| Return on equity | 15.330 | 12.485 | 76.5th | 18 |
| Securities to assets | 0.197 | 0.222 | 29.4th | 18 |
| Selected unused commitments to assets | 0.000 | 0.089 | 11.8th | 18 |
| Time deposits maturing within one year | 0.376 | 0.945 | 0.0th | 18 |
| Total assets | 419318000.000 | 486730500.000 | 41.2th | 18 |
| Total deposits | 278937000.000 | 395887000.000 | 35.3th | 18 |
| Efficiency ratio (official UBPR) | 0.368 | 0.546 | 11.8th | 18 |
| Net interest margin (official UBPR) | 0.014 | 0.029 | 5.9th | 18 |
| Interest Income (TE) as a percent of Average Assets | 0.040 | 0.043 | 17.6th | 18 |
| Interest Expense as a percent of Average Assets | 0.027 | 0.017 | 88.2th | 18 |
| Net Interest Income (TE) % of Avg Assets | 0.013 | 0.026 | 5.9th | 18 |
| Noninterest Income as a percent of Average Assets | 0.018 | 0.013 | 82.4th | 18 |
| Non-Interest Expense as a percent of Average Assets | 0.011 | 0.024 | 17.6th | 18 |
| Provision for Loan Losses % of Avg Assets | 0.001 | 0.002 | 23.5th | 18 |
| Pretax Operating Income (TE) % of Avg Assets | 0.019 | 0.015 | 88.2th | 18 |
| Realized Gains(Losses) on the sale of Securities as a percent of Average Assets | 0.000 | 0.000 | 70.6th | 18 |
| Pretax Net Operating Income (TE) as a percent of Average Assets | 0.019 | 0.015 | 82.4th | 18 |
| Net Operating Income as a percent of Average Assets | 0.014 | 0.012 | 82.4th | 18 |
| Net Income Adjusted for Sub Chapter S Status as a percent of Average Assets | 0.014 | 0.012 | 82.4th | 18 |
| Average Earning Assets as a percent of Average Assets | 0.950 | 0.921 | 88.2th | 18 |
| Average Interest-Bearing Funds as a percent of Average Assets | 0.780 | 0.744 | 70.6th | 18 |
| Interest Income (TE) as a percent of Average Earning Assets | 0.042 | 0.048 | 23.5th | 18 |
| Net Interest Income (TE) as a percent of Average Earning Assets | 0.014 | 0.029 | 5.9th | 18 |
| Net Loss as a percent of Average Total Loans and Leases | 0.001 | 0.003 | 17.6th | 18 |
| Total LN&LS-30-89 DAYS Past Due % | 0.001 | 0.003 | 11.8th | 18 |
| Net Loans & Leases as a percent of Total Deposits | 0.410 | 0.607 | 17.6th | 18 |
| Net Income Attributed to Minority Interests as a percent of Average Assets | 0.000 | 0.000 | 0.0th | 18 |
| Unrealized holding gains (losses) on equity securities not held for trading as a percent of average assets | 0.000 | 0.000 | 0.0th | 18 |
| Provision for Losses Other Assets % of Avg Assets | 0.000 | 0.000 | 94.1th | 18 |
| Pre Provision Net Revenue YTD % of Average Assets (TE) | 0.020 | 0.017 | 82.4th | 18 |
| Return on assets (official UBPR) | 0.014 | 0.012 | 82.4th | 18 |
| Return on equity (official UBPR) | 0.153 | 0.127 | 76.5th | 18 |
| Estimated uninsured to domestic deposits | 0.440 | 0.449 | 31.3th | 17 |
Peer interpretation
$250B+ asset cohort · 17 institutions
Deterministic peer comparison, not a regulatory rating or diagnosis. “Opportunity” means lower favorable percentile within this asset cohort.
Period-matched peer context
Percentiles use 18 verified constituents for the same filing period.
Historical peer positioning
Period-matched asset cohort. Position describes the distribution only; it is not a rating.
| Metric | 2023-12 | 2024-03 | 2024-06 | 2024-09 | 2024-12 | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 | 2026-09 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total assetsASSET | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | < P25 | P25–75 | P25–75 | — |
| Total depositsDEP | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | < P25 | < P25 | P25–75 | — |
| Net loansLNLSNET | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | < P25 | < P25 | < P25 | — |
| Return on assetsROA | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | — |
| Return on equityROE | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | — |
| Net interest marginNIMY | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | P25–75 | < P25 | < P25 | — |
Cohorts are matched separately for each reporting period. Above or below a peer quartile can be favorable, unfavorable, or neutral depending on the measure and context.