Bank Comparison
Truist Bank vs Morgan Stanley Bank, N.A.
BankRegReports is independent of Truist Bank and Morgan Stanley Bank, N.A. and never asks for online banking logins or passwords.
At Q2 2026, Truist Bank is the larger bank, with $548.35B in total assets to Morgan Stanley Bank, N.A.'s $419.32B; Morgan Stanley Bank, N.A. has the higher CET1 ratio (18.25% vs 12.11%) and the higher return on assets (1.46% vs 1.16%).
vs
6 · 11
winning metrics across 17 scored rows
Compare a different pair
Search for a bank in each box, choose it from the list, then press Compare.
Capital adequacy
| Metric | Truist Bank | Morgan Stanley Bank, N.A. |
|---|---|---|
| CET1 Ratio | 12.11% | 18.25% |
| Tier 1 Capital Ratio | 12.11% | 18.25% |
| Total Capital Ratio | 13.62% | 18.71% |
| Tier 1 Leverage Ratio | 9.82% | 10.44% |
| Equity / Assets | 11.48% | 9.69% |
Profitability
| Metric | Truist Bank | Morgan Stanley Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.16% | 1.46% |
| Return on Equity (ROE) | 10.04% | 13.92% |
| Net Interest Margin (NIM) | 3.08% | 1.34% |
| Yield on Earning Assets | 4.86% | 4.30% |
| Cost of Funds | 1.86% | 3.57% |
Asset quality
| Metric | Truist Bank | Morgan Stanley Bank, N.A. |
|---|---|---|
| Texas Ratio | 3.65% | 1.35% |
| Non-Performing Loan Ratio | 0.72% | 0.47% |
| Non-Performing Asset Ratio | 0.44% | 0.13% |
| Net Charge-Off Ratio | 0.50% | 0.05% |
| ACL / Loans | 1.50% | 0.54% |
Balance sheet
| Metric | Truist Bank | Morgan Stanley Bank, N.A. |
|---|---|---|
| Total Assets | $548.35B | $419.32B |
| Total Deposits | $419.21B | $278.94B |
| Total Loans | $332.16B | $115.12B |
| Total Equity | $62.97B | $40.63B |
| Net Income (quarter) | $1.58B | $1.44B |
Liquidity & funding
| Metric | Truist Bank | Morgan Stanley Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 79.23% | 41.27% |
| Core Deposit Ratio | 89.90% | 73.92% |
| Uninsured Deposit Ratio | 44.91% | 42.35% |
Identity
| Metric | Truist Bank | Morgan Stanley Bank, N.A. |
|---|---|---|
| Headquarters City | Charlotte | Salt Lake City |
| Headquarters State | NC | UT |
| Asset Tier | $250B or more in assets | $250B or more in assets |
| Regulator | FDIC | OCC |
| Domestic Branches | 1,931 | 1 |
| Employees (FTE) | 35,808 | 1,282 |
| Established | January 1, 1872 | May 25, 1990 |
Related bank comparisons
Truist Bank vs Goldman Sachs Bank USA · Truist Bank vs Ally Bank · The Huntington National Bank vs Truist Bank · State Street Bank and Trust Company vs Truist Bank · American Express National Bank vs Morgan Stanley Bank · Morgan Stanley Bank vs Goldman Sachs Bank USA · Morgan Stanley Bank vs Ally Bank · The Huntington National Bank vs Morgan Stanley Bank
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 Truist Bank profile | View full Morgan Stanley Bank, N.A. profile | Browse all bank comparisons