MORGAN STANLEY BANK, N.A.

SALT LAKE CITY, UT | National | Est. May 25, 1990, midnight | FDIC #32992 | RSSD #1456501 | OCC
Latest Report: 2025-12-31

MORGAN STANLEY BANK, N.A. is ann national FDIC-insured commercial bank headquartered in SALT LAKE CITY, UT, established in May 25, 1990, midnight. As of 2025-12-31, the bank reported total assets of $253.3B and total deposits of $205.1B. Profitability stands at 1.80% ROA and 17.52% ROE, with a net interest margin of 1.90%. The bank's CET1 capital ratio is 20.29%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.62% and a Texas Ratio of 2.44%. FDIC Certificate #32992.

Assets

$253.3B

Deposits

$205.1B

Loans

$101.9B

Equity

$25.6B

Profitability

Return on Assets (ROA) 1.80%
Return on Equity (ROE) 17.52%
Net Interest Margin (NIM) 1.90%
Yield on Assets 4.75%
Cost of Funds 8.27%

Asset Quality

NPL Ratio 0.62%
Net Charge-Off Ratio 0.16%
Texas Ratio 2.44%
NPA Ratio 0.25%
ACL / Loans 0.54%

Capital & Liquidity

CET1 Ratio 20.29%
Tier 1 Capital 20.29%
Total Capital Ratio 20.98%
Leverage Ratio 10.09%
Loan-to-Deposit 49.66%

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