Bank Comparison
Morgan Stanley Bank, N.A. vs Goldman Sachs Bank USA
Two investment-bank-derived commercial bank subsidiaries.
vs
11 · 13
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Morgan Stanley Bank, N.A. | Goldman Sachs Bank USA |
|---|---|---|
| CET1 Ratio | 19.54% | 14.05% |
| Tier 1 Capital Ratio | 19.54% | 14.05% |
| Total Capital Ratio | 20.04% | 14.54% |
| Tier 1 Leverage Ratio | 11.04% | 8.78% |
| Equity / Assets | 10.72% | 8.51% |
Profitability
| Metric | Morgan Stanley Bank, N.A. | Goldman Sachs Bank USA |
|---|---|---|
| Return on Assets (ROA) | 1.38% | 1.10% |
| Return on Equity (ROE) | 15.71% | 12.12% |
| Net Interest Margin (NIM) | 1.40% | 1.61% |
| Yield on Earning Assets | 4.19% | 5.07% |
| Cost of Funds | 3.85% | 4.14% |
Asset quality
| Metric | Morgan Stanley Bank, N.A. | Goldman Sachs Bank USA |
|---|---|---|
| Texas Ratio | 3.23% | 4.15% |
| Non-Performing Loan Ratio | 1.21% | 0.95% |
| Non-Performing Asset Ratio | 0.35% | 0.31% |
| Net Charge-Off Ratio | 0.11% | 0.10% |
| ACL / Loans | 0.55% | 0.66% |
Balance sheet
| Metric | Morgan Stanley Bank, N.A. | Goldman Sachs Bank USA |
|---|---|---|
| Total Assets | $391,305M | $751,776M |
| Total Deposits | $254,345M | $504,823M |
| Total Loans | $113,753M | $241,932M |
| Total Equity | $41,955M | $63,958M |
| Net Income (quarter) | $1,326M | $1,959M |
Liquidity & funding
| Metric | Morgan Stanley Bank, N.A. | Goldman Sachs Bank USA |
|---|---|---|
| Loan-to-Deposit Ratio | 44.72% | 47.92% |
| Core Deposit Ratio | 93.85% | 85.45% |
| Uninsured Deposit Ratio | 37.10% | 42.01% |
Identity
| Metric | Morgan Stanley Bank, N.A. | Goldman Sachs Bank USA |
|---|---|---|
| Headquarters City | SALT LAKE CITY | NEW YORK |
| Headquarters State | UT | NY |
| Asset Tier | National | National |
| Charter Class | 24908 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 1 | 5 |
| Employees (FTE) | 1,311 | 4,409 |
| Established | May 25, 1990, midnight | Aug. 30, 1990, midnight |
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 . 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.
View full Morgan Stanley Bank, N.A. profile | View full Goldman Sachs Bank USA profile | Browse all bank comparisons