Morgan Stanley Bank, N.A.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Morgan Stanley Bank, N.A. is the 11th-largest bank in the United States, with $419.3 billion in assets at June 30, 2026, against $239.2 billion a year earlier. It is headquartered in Salt Lake City, Utah. It keeps 1.34 cents of net interest income on every dollar of earning assets, about half the median of 2.88 cents for the 18 US banks with more than $250 billion in assets. It also pays an average of 3.57% on its deposits and borrowings, about double the median of 1.94% for banks its size.
Net income for the quarter rose 23% from a year earlier, to $1.4 billion. Over the same year, loans grew 20.7% and deposits grew 44.6%.
As of June 30, 2026, Morgan Stanley Bank, N.A. reported a CET1 capital ratio of 18.25%, a return on assets of 1.46%, a nonperforming-loan ratio of 1.06% and a Texas ratio of 1.35%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 201 S Main St, Salt Lake City, UT 84111
- County
- Salt Lake
- Metro Area
- Salt Lake City-Murray, UT
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 031
- Established
- May 25, 1990
- Former names
- Morgan Stanley Bank (2001-2008); Morgan Stanley Dean Witter Bank, Inc (2001); MountainWest Financial Corporation (1993-1998)
- Offices
- 1 domestic
- Employees (FTE)
- 1,282
- Domestic deposits
- $268.75B
- Allowance for credit losses
- $616.0M
- Net charge-offs (YTD)
- $44.0M
- Average total assets
- $394.98B
- Average total loans
- $115.73B
- Average interest-bearing deposits
- $250.62B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- May 25, 1990
- FDIC Cert
- 32992
- Fed RSSD
- 1456501
- SEC CIK
- 895421 → filed by MORGAN STANLEY
- Parent Holding Company
- MORGAN STANLEY CAPITAL MANAGEMENT, LLC (RSSD 3820290)
- Ultimate Parent
- MORGAN STANLEY (RSSD 2162966)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Morgan Stanley Bank, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.25% | 1.46% | 1.06% | 1.35% | 1.34% |
| Q1 2026 | 19.54% | 1.38% | 1.21% | 1.50% | 1.40% |
| Q4 2025 | 20.29% | 1.77% | 0.96% | 2.44% | 1.77% |
| Q3 2025 | 19.77% | 1.74% | 1.02% | 2.67% | 1.90% |
| Q2 2025 | 20.47% | 1.95% | 1.06% | 3.24% | 2.00% |
| Q1 2025 | 20.62% | 1.90% | 1.02% | 2.61% | 1.92% |
| Q4 2024 | 20.11% | 1.99% | 0.76% | 2.34% | 2.14% |
| Q3 2024 | 22.99% | 1.98% | 0.86% | 2.74% | 2.36% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View the branch →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Morgan Stanley Bank, National Association | Salt Lake City , UT | 84111 | $268.75B |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 25, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
What the public regulatory sources show for Morgan Stanley Bank, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC); 1 against individuals associated with it
- October 8, 2020, OCC: Civil Money Penalty (CMP): Morgan Stanley Bank, N.A.
- Period: Most recent institution action October 8, 2020. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 21.9% of deposits in UT, rank 1 of 65 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $165K approved, $82K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2002 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Morgan Stanley Bank, N.A.
What are Morgan Stanley Bank, N.A.'s total assets?
As of the Q2 2026 filing, Morgan Stanley Bank, N.A. reported total assets of $419.32 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Morgan Stanley Bank, N.A. headquartered?
Morgan Stanley Bank, N.A. is headquartered in Salt Lake City, UT, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Morgan Stanley Bank, N.A. founded?
Morgan Stanley Bank, N.A. was established in 1990, per the FDIC institution directory.
Is Morgan Stanley Bank, N.A. FDIC-insured?
Yes. Morgan Stanley Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #32992). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Morgan Stanley Bank, N.A.?
Morgan Stanley Bank, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Morgan Stanley Bank, N.A.'s CET1 capital ratio?
Morgan Stanley Bank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 18.25% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Morgan Stanley Bank, N.A. operate?
Morgan Stanley Bank, N.A. operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Morgan Stanley Bank, N.A.'s Texas Ratio?
Morgan Stanley Bank, N.A.'s Texas Ratio is 1.35% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Morgan Stanley Bank, N.A. previously called?
The charter now named Morgan Stanley Bank, N.A. has also operated as Morgan Stanley Bank (2001-2008), Morgan Stanley Dean Witter Bank, Inc (2001), MountainWest Financial Corporation (1993-1998), per FDIC structure-change records.
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