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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.
Reported facts
Deterministic ratios for MORGAN STANLEY BANK NA from its Q3 2026 Call Report. Detailed loan and deposit composition follows below.
| Total deposits | $276.2B |
|---|---|
| Net loans and leases | $120.0B |
Plain-language readout
MORGAN STANLEY BANK NA in Salt Lake City, UT funds its loans with $276.2B of deposits and holds $120.0B of net loans, as reported for Q3 2026. The ratios below show how that funding, capital and credit quality compare with the amounts on the balance sheet.
No capital, liquidity or asset-quality ratios are reported for MORGAN STANLEY BANK NA in Q3 2026; none is estimated.
Against banks of similar size for the same filing period: Brokered deposits to domestic deposits: 0.233 against a peer median of 0.047, a 94.1th percentile position among 18 peers. Common equity tier 1 ratio: 0.188 against a peer median of 0.151, a 88.2th percentile position among 18 peers. Selected CRE loans to gross loans and leases: 0.082 against a peer median of 0.108, a 41.2th percentile position among 18 peers. Selected CRE loans to total capital: 0.225 against a peer median of 0.476, a 29.4th percentile position among 18 peers.
The loan-to-deposit ratio computed from net loans and total deposits was 43.45% in Q3 2026, against 44.89% in Q4 2023. A rising ratio means the bank is lending a larger share of its deposits.
| Quarter | Net loans | Deposits | Loan-to-deposit |
|---|---|---|---|
| Q3 2026 | $120.0B | $276.2B | 43.45% |
| Q2 2026 | $114.5B | $278.9B | 41.05% |
| Q1 2026 | $113.1B | $254.3B | 44.48% |
| Q4 2025 | $101.3B | $205.1B | 49.39% |
| Q3 2025 | $101.2B | $201.6B | 50.20% |
| Q2 2025 | $94.7B | $192.9B | 49.11% |
| Q1 2025 | $93.0B | $187.1B | 49.72% |
| Q4 2024 | $84.4B | $187.1B | 45.12% |
| Q3 2024 | $81.3B | $180.2B | 45.11% |
| Q2 2024 | $82.4B | $172.2B | 47.85% |
| Q1 2024 | $76.5B | $175.9B | 43.48% |
| Q4 2023 | $79.0B | $175.9B | 44.89% |