Morgan Stanley Private Bank, N.A.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Morgan Stanley Private Bank, N.A. is the 18th-largest bank in the United States, with $250.4 billion in assets at June 30, 2026, up 6.5% from a year earlier. It is headquartered in Purchase, New York. It spends about 26 cents to bring in each dollar of revenue, about half the median of 54 cents for the 18 US banks with more than $250 billion in assets. It also holds common equity equal to 24.99% of its risk-weighted assets, about double the median of 13.63% for banks its size.
Loans and deposits moved in opposite directions: over the year loans rose 19.9% and deposits fell 0.4%. Unrealized losses on its securities total $4.6 billion, equal to 28% of Tier 1 capital, against 32% a year earlier. Profitability lags: it earns about $1.08 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.23).
As of June 30, 2026, Morgan Stanley Private Bank, N.A. reported a CET1 capital ratio of 24.99%, a return on assets of 1.08%, a nonperforming-loan ratio of 0.20% and a Texas ratio of 2.46%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 2000 Westchester Ave, Purchase, NY 10577
- County
- Westchester
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- August 12, 1996
- Former names
- Morgan Stanley Trust (2001-2010); Morgan Stanley Dean Witter Trust FSB (1998-2001)
- Offices
- 1 domestic
- Employees (FTE)
- 1,238
- Domestic deposits
- $211.67B
- Allowance for credit losses
- $380.0M
- Net charge-offs (YTD)
- $9.0M
- Average total assets
- $251.17B
- Average total loans
- $187.21B
- Average interest-bearing deposits
- $210.06B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- August 12, 1996
- FDIC Cert
- 34221
- Fed RSSD
- 2489805
- SEC CIK
- 895421 → filed by MORGAN STANLEY
- Website
- www.etrade.com →
- 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. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
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 Private Bank, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Morgan Stanley Private Bank, N.A., freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Morgan Stanley Private Bank, N.A. rankings
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.
Metric pages for Morgan Stanley Private Bank, N.A.: CET1 ratio, Efficiency 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 | 24.99% | 1.08% | 0.20% | 2.46% | 1.77% |
| Q1 2026 | 27.14% | 1.15% | 0.21% | 2.26% | 1.77% |
| Q4 2025 | 26.06% | 1.19% | 0.25% | 2.70% | 1.81% |
| Q3 2025 | 26.84% | 1.13% | 0.28% | 2.70% | 1.72% |
| Q2 2025 | 25.74% | 1.09% | 0.32% | 2.92% | 1.73% |
| Q1 2025 | 26.45% | 1.03% | 0.31% | 2.70% | 1.72% |
| Q4 2024 | 26.10% | 0.96% | 0.33% | 2.87% | 1.67% |
| Q3 2024 | 27.30% | 0.97% | 0.27% | 2.25% | 1.58% |
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 Private Bank, N.A. (main office) | Purchase , NY | 10577 | $211.67B |
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 |
|---|---|---|---|
| January 1, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2022 | Structure Change | Acquired E*trade Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 15, 2011 | Structure Change | Acquired Morgan Stanley Trust N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 15, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2011 | Structure Change | Acquired Morgan Stanley Credit Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 12, 1996 | Merger | Participated in FDIC Assisted Merger | FDIC |
| August 10, 1996 | Structure Change | Acquired Union Federal Bank, a Federal Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 7 events.
Regulatory record
What the public regulatory sources show for Morgan Stanley Private 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)
- October 8, 2020, OCC: Civil Money Penalty (CMP): Morgan Stanley Private Bank, National Association
- Period: Most recent institution action October 8, 2020. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 7.6% of deposits in NY, rank 4 of 180 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 14,182 applications, 10,740 loans originated, $11.82B originated, across 51 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- Not on file: no SBA 7(a) loans matched
- Period: not on file. 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 Private Bank, N.A.
What are Morgan Stanley Private Bank, N.A.'s total assets?
As of the Q2 2026 filing, Morgan Stanley Private Bank, N.A. reported total assets of $250.43 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Morgan Stanley Private Bank, N.A. headquartered?
Morgan Stanley Private Bank, N.A. is headquartered in Purchase, NY, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Morgan Stanley Private Bank, N.A. founded?
Morgan Stanley Private Bank, N.A. was established in 1996, per the FDIC institution directory.
Is Morgan Stanley Private Bank, N.A. FDIC-insured?
Yes. Morgan Stanley Private Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #34221). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Morgan Stanley Private Bank, N.A.?
Morgan Stanley Private 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 Private Bank, N.A.'s CET1 capital ratio?
Morgan Stanley Private Bank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 24.99% 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 Private Bank, N.A. operate?
Morgan Stanley Private 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 Private Bank, N.A.'s Texas Ratio?
Morgan Stanley Private Bank, N.A.'s Texas Ratio is 2.46% 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 Private Bank, N.A. previously called?
The charter now named Morgan Stanley Private Bank, N.A. has also operated as Morgan Stanley Trust (2001-2010), Morgan Stanley Dean Witter Trust FSB (1998-2001), per FDIC structure-change records.
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