Morgan Stanley Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Morgan Stanley Bank, N.A. of Salt Lake City, UT against its peer group of 18 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.46% | 1.18% | +0.28% | 76th top |
| ROAE | 13.92% | 12.74% | +1.18% | 59th above |
| Net Interest Margin | 1.34% | 2.97% | -1.63% | 0th bottom |
| Efficiency Ratio | 37.08% | 54.53% | -17.45% | 88th top |
| PPNR / Avg Assets | 1.92% | 1.73% | +0.19% | 71st above |
| Yield on Earning Assets | 4.30% | 5.05% | -0.75% | 24th bottom |
| Cost of Funds | 3.57% | 2.14% | +1.43% | 12th bottom |
| Net Interest Spread | 0.77% | 2.45% | -1.68% | 0th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.06% | 0.91% | +0.15% | 35th below |
| NPA / Total Assets | 0.29% | 0.48% | -0.19% | 76th top |
| NCO / Avg Loans | 0.05% | 0.51% | -0.46% | 76th top |
| ACL / Total Loans | 0.54% | 1.42% | -0.88% | 24th bottom |
| ACL / NPLs (Coverage) | 50.29% | 151.07% | -100.78% | 6th bottom |
| Texas Ratio | 2.99% | 6.75% | -3.76% | 82nd top |
| Provision / NCO | 236.36% | 114.25% | +122.11% | 93rd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 18.76% | 17.23% | +1.53% | 88th top |
| Tier 1 Ratio | 18.76% | 17.26% | +1.50% | 88th top |
| Total Capital Ratio | 19.05% | 18.25% | +0.80% | 88th top |
| Leverage Ratio | 10.44% | 8.66% | +1.78% | 82nd top |
| Equity / Assets Behind the peer average, ahead of the median peer. | 9.69% | 9.96% | -0.27% | 53rd above |
| TCE / Tangible Assets | 9.69% | 7.90% | +1.79% | 88th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 41.27% | 61.10% | -19.83% | 82nd top |
| Core Deposit Ratio | 73.92% | 83.55% | -9.63% | 35th below |
| Uninsured Deposit Ratio | 42.35% | 43.82% | -1.47% | 71st above |
| Wholesale Funding Ratio | 12.85% | 7.12% | +5.73% | 12th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 75.26% | 9.85% | +65.41% | 100th top |
| Loan Growth (Y/Y) | 20.73% | 15.59% | +5.14% | 76th top |
| Deposit Growth (Y/Y) | 44.60% | 9.38% | +35.22% | 100th top |
See Morgan Stanley Bank, N.A.'s peers by name
The 18 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Morgan Stanley Bank, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Morgan Stanley Bank, N.A. profile, how to read a UBPR, or how this data updates.