Morgan Stanley Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Morgan Stanley Bank, N.A. is an FDIC-insured commercial bank headquartered in Salt Lake City, UT, established in 1990 (FDIC certificate 32992), and it is supervised by the OCC. At Q2 2026 it reported total assets of $419.32B, the largest of 44 banks headquartered in Utah. Its CET1 capital ratio was 18.25% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 32992
- Headquarters
- Salt Lake City, UT
- Established
- 1990
- Total assets, Q2 2026
- $419.32B
- CET1 ratio, Q2 2026
- 18.25%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 026014630
- Latest call report
- Q2 2026, FFIEC 031 · Morgan Stanley Bank, N.A. call report
- Holding company
- MORGAN STANLEY CAPITAL MANAGEMENT, LLC
- Asset rank in state
- 1st of 44 in Utah
Morgan Stanley Bank, N.A. is the 11th-largest bank in the United States, with $419.3 billion in assets at June 30, 2026, against $239.2 billion a year earlier. It is headquartered in Salt Lake City, Utah. It keeps 1.34 cents of net interest income on every dollar of earning assets, about half the median of 2.88 cents for the 18 US banks with more than $250 billion in assets. It also pays an average of 3.57% on its deposits and borrowings, about double the median of 1.94% for banks its size.
Net income for the quarter rose 23% from a year earlier, to $1.4 billion. Over the same year, loans grew 20.7% and deposits grew 44.6%.
As of June 30, 2026, Morgan Stanley Bank, N.A. reported a CET1 capital ratio of 18.25%, a return on assets of 1.46%, a nonperforming-loan ratio of 0.47% and a Texas ratio of 1.35%. The figures come from its call report filed with the FFIEC.
Morgan Stanley Bank, N.A. ranks as the largest of the 44 banks based in Utah, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 7.2% to $419.32B, loans rose 1.2% and deposits rose 9.7%. The largest part of its loan book on June 30, 2026 was loans to nondepository financial institutions, at 72.4% of total loans, ahead of loans for purchasing or carrying securities at 8.4%. Its one office in the FDIC Summary of Deposits is in Salt Lake City, UT. By the capital ratios in its Q2 2026 call report, Morgan Stanley Bank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 201 S Main St, Salt Lake City, UT 84111
- County
- Salt Lake
- Metro Area
- Salt Lake City-Murray, UT
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 031
- Established
- May 25, 1990
- Former names
- Morgan Stanley Bank (2001-2008); Morgan Stanley Dean Witter Bank, Inc (2001); MountainWest Financial Corporation (1993-1998)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 1,282
- Domestic deposits
- $268.75B
- Allowance for credit losses
- $616.0M
- Net charge-offs (YTD)
- $44.0M
- Average total assets
- $394.98B
- Average total loans
- $115.73B
- Average interest-bearing deposits
- $250.62B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- May 25, 1990
- FDIC Cert
- 32992
- Fed RSSD
- 1456501
- SEC CIK
- 895421 → filed by MORGAN STANLEY
- Parent Holding Company
- MORGAN STANLEY CAPITAL MANAGEMENT, LLC (RSSD 3820290)
- Ultimate Parent
- MORGAN STANLEY (RSSD 2162966)
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Edward Pick | CEO | Chairman and CEO |
| Daniel A Simkowitz | PRES | Co-President |
| Sharon Yeshaya | CFO | Chief Financial Officer |
| Eric F Grossman | GC | Chief Legal/Admin Officer |
| Charles A Smith | CRO | Chief Risk Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Morgan Stanley Bank, N.A.'s total assets ran between $207.38B (Q3 2023) and $419.32B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$419.32B total assets against $239.25B; $378.69B total liabilities against $214.60B.
$114.51B net loans and leases against $94.73B; $278.94B total deposits against $192.90B.
$82.61B securities against $85.71B; $79.43B cash and balances due against $12.07B.
$4.04B total interest income against $2.83B; $2.78B total interest expense against $1.66B.
$1.26B net interest income against $1.17B.
$1.76B total noninterest income against $817.0M; $1.12B total noninterest expense against $351.0M.
-$11.0M provision for credit losses against $102.0M.
$1.44B net income against $1.17B.
1.46% return on assets against 1.95%; 1.34% net interest margin against 2.00%.
18.25% CET1 capital ratio against 20.47%; 10.44% tier 1 leverage ratio against 10.36%.
Inside the full Morgan Stanley Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeMorgan Stanley Bank, N.A. rankings
Its closest position to the top of a national ranking is 11 of 4,196, for total assets; its furthest is 2,531 of 3,640, for Texas Ratio.
Metric pages for Morgan Stanley Bank, N.A.: Uninsured deposits, Efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.38% (Q1 2026) to 1.99% (Q4 2024) and its net interest margin ran from 1.34% (Q2 2026) to 2.36% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.25% | 1.46% | 0.47% | 1.35% | 1.34% |
| Q1 2026 | 19.54% | 1.38% | 0.56% | 1.50% | 1.40% |
| Q4 2025 | 20.29% | 1.77% | 0.62% | 2.44% | 1.77% |
| Q3 2025 | 19.77% | 1.74% | 0.69% | 2.67% | 1.90% |
| Q2 2025 | 20.47% | 1.95% | 0.85% | 3.24% | 2.00% |
| Q1 2025 | 20.62% | 1.90% | 0.66% | 2.61% | 1.92% |
| Q4 2024 | 20.11% | 1.99% | 0.62% | 2.34% | 2.14% |
| Q3 2024 | 22.99% | 1.98% | 0.85% | 2.74% | 2.36% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Morgan Stanley Bank, National Association | Salt Lake City , UT | 84111 | $268.75B |
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 |
|---|---|---|---|
| May 25, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC); 1 against individuals associated with it
- October 8, 2020, OCC: Civil Money Penalty (CMP): Morgan Stanley Bank, N.A.
- Period: Most recent institution action October 8, 2020. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 21.9% of deposits in UT, rank 1 of 63 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $165K approved, $82K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2002 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Morgan Stanley Bank, N.A.
What are Morgan Stanley Bank, N.A.'s total assets?
As of the Q2 2026 filing, Morgan Stanley Bank, N.A. reported total assets of $419.32 billion in its FFIEC call report.
Where is Morgan Stanley Bank, N.A. headquartered?
It is headquartered in Salt Lake City, UT, United States.
When was Morgan Stanley Bank, N.A. founded?
It was established in 1990, per the FDIC institution directory.
Is Morgan Stanley Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #32992). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Morgan Stanley Bank, N.A.?
Morgan Stanley Bank, N.A.'s primary federal regulator is the OCC.
What is Morgan Stanley Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.25% 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 Bank, N.A. operate?
It 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 Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 1.35% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Morgan Stanley Bank, N.A. previously called?
The charter now named Morgan Stanley Bank, N.A. has also operated as Morgan Stanley Bank (2001-2008), Morgan Stanley Dean Witter Bank, Inc (2001), MountainWest Financial Corporation (1993-1998), per FDIC structure-change records.
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