Morgan Stanley Bank, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income dropped 112.5% in Q2 2026, from -$746.0M to -$1.58B. It was the largest change from Q1 2026 among the key lines here. Within Utah, Morgan Stanley Bank, N.A. is 9th of 28 on CET1 ratio, 18.76% as of Q2 2026, above the middle of the field. The median for banks in the >= $250B asset tier is 15.13% on CET1 ratio. Morgan Stanley Bank, N.A. sits 3.64 points higher, at 18.76% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.76% |
| Tier 1 risk-based capital ratio | 18.76% |
| Total risk-based capital ratio | 19.05% |
| Tier 1 leverage ratio | 10.44% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $41.09B |
| Tier 1 capital | $41.09B |
| Total risk-based capital | $42.13B |
| Total equity capital | $40.63B |
| Risk-weighted assets | $225.17B |
Ratios recomputed from the amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital / risk-weighted assets | 18.25% |
| Tier 1 capital / risk-weighted assets | 18.25% |
| Total risk-based capital / risk-weighted assets | 18.71% |
For this bank the reported ratios above do not equal the capital amounts divided by risk-weighted assets. Large banks can report risk-based capital under more than one regulatory approach, and the reported ratio and the risk-weighted assets shown here may come from different approaches. These rows divide the reported capital amounts by the reported risk-weighted assets. The lower of the two figures is the more conservative reading.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.69% |
| Tangible equity to tangible assets | 9.69% |
| Equity capital to average assets | 10.29% |
| Internal capital growth rate | -9.66% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $22.00B |
| Retained earnings | $20.22B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.58B |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 27.62% | 27.62% | 28.14% | 10.16% | $101.85B |
| Q4 2023 | 27.79% | 27.79% | 28.31% | 10.56% | $101.18B |
| Q1 2024 | 27.60% | 27.60% | 28.12% | 10.85% | $102.99B |
| Q2 2024 | 27.22% | 27.22% | 27.74% | 11.17% | $104.85B |
| Q3 2024 | 28.34% | 28.34% | 28.85% | 11.34% | $107.68B |
| Q4 2024 | 24.75% | 24.75% | 25.26% | 9.74% | $110.19B |
| Q1 2025 | 24.90% | 24.90% | 25.41% | 10.08% | $113.84B |
| Q2 2025 | 23.61% | 23.61% | 24.10% | 10.36% | $120.34B |
| Q3 2025 | 24.06% | 24.06% | 24.54% | 10.51% | $131.23B |
| Q4 2025 | 23.14% | 23.14% | 23.63% | 10.09% | $125.92B |
| Q1 2026 | 20.69% | 20.69% | 21.06% | 11.04% | $215.61B |
| Q2 2026 | 18.76% | 18.76% | 19.05% | 10.44% | $225.17B |
Morgan Stanley Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Morgan Stanley Bank, N.A., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Morgan Stanley Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32992) · FFIEC NIC profile (RSSD 1456501)