Bank Comparison
American Express National Bank vs Morgan Stanley Bank, N.A.
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At Q2 2026, Morgan Stanley Bank, N.A. is the larger bank, with $419.32B in total assets to American Express National Bank's $213.95B; Morgan Stanley Bank, N.A. has the higher CET1 ratio (18.25% vs 10.86%) and American Express National Bank has the higher return on assets (3.61% vs 1.46%).
vs
8 · 9
winning metrics across 17 scored rows
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Capital adequacy
| Metric | American Express National Bank | Morgan Stanley Bank, N.A. |
|---|---|---|
| CET1 Ratio | 10.86% | 18.25% |
| Tier 1 Capital Ratio | 10.86% | 18.25% |
| Total Capital Ratio | 12.99% | 18.71% |
| Tier 1 Leverage Ratio | 8.84% | 10.44% |
| Equity / Assets | 8.95% | 9.69% |
Profitability
| Metric | American Express National Bank | Morgan Stanley Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 3.61% | 1.46% |
| Return on Equity (ROE) | 41.03% | 13.92% |
| Net Interest Margin (NIM) | 8.22% | 1.34% |
| Yield on Earning Assets | 11.13% | 4.30% |
| Cost of Funds | 3.41% | 3.57% |
Asset quality
| Metric | American Express National Bank | Morgan Stanley Bank, N.A. |
|---|---|---|
| Texas Ratio | 4.39% | 1.35% |
| Non-Performing Loan Ratio | 0.63% | 0.47% |
| Non-Performing Asset Ratio | 0.51% | 0.13% |
| Net Charge-Off Ratio | 2.44% | 0.05% |
| ACL / Loans | 3.26% | 0.54% |
Balance sheet
| Metric | American Express National Bank | Morgan Stanley Bank, N.A. |
|---|---|---|
| Total Assets | $213.95B | $419.32B |
| Total Deposits | $171.55B | $278.94B |
| Total Loans | $172.33B | $115.12B |
| Total Equity | $19.15B | $40.63B |
| Net Income (quarter) | $1.96B | $1.44B |
Liquidity & funding
| Metric | American Express National Bank | Morgan Stanley Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 100.45% | 41.27% |
| Core Deposit Ratio | 84.65% | 73.92% |
| Uninsured Deposit Ratio | 18.17% | 42.35% |
Identity
| Metric | American Express National Bank | Morgan Stanley Bank, N.A. |
|---|---|---|
| Headquarters City | Sandy | Salt Lake City |
| Headquarters State | UT | UT |
| Asset Tier | $100B to $250B in assets | $250B or more in assets |
| Regulator | OCC | OCC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 2,582 | 1,282 |
| Established | March 20, 1989 | May 25, 1990 |
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About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
View full American Express National Bank profile | View full Morgan Stanley Bank, N.A. profile | Browse all bank comparisons