Morgan Stanley Bank, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 4.63 percentage points higher than in Q1 2026, at 50.29%. Morgan Stanley Bank, N.A. ranks 28th of 44 Utah banks on return on assets, in the lower half at 1.46% (Q2 2026). The median for banks in the >= $250B asset tier is 1.23% on return on assets. Morgan Stanley Bank, N.A. sits 0.22 points higher, at 1.46% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.76% |
| Tier 1 risk-based capital ratio | 18.76% |
| Total risk-based capital ratio | 19.05% |
| Tier 1 leverage ratio | 10.44% |
| Equity capital to assets | 9.69% |
| Tangible equity to tangible assets | 9.69% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.06% |
| Non-performing assets ratio | 0.29% |
| Net charge-off ratio | 0.05% |
| Texas ratio | 2.99% |
| Allowance for credit losses to loans | 0.54% |
| Reserve coverage of non-performing loans | 50.29% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.46% |
| Return on equity | 13.92% |
| Net interest margin | 1.34% |
| Efficiency ratio | 37.08% |
| Yield on earning assets | 4.30% |
| Cost of funds | 3.57% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 41.27% |
| Core deposits to total deposits | 73.92% |
| Brokered deposits to total deposits | 22.43% |
| Deposits to assets | 66.52% |
| Securities to assets | 19.70% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 27.62% | 27.62% | 28.14% | 10.16% | 2.04% |
| Q4 2023 | 27.79% | 27.79% | 28.31% | 10.56% | 1.90% |
| Q1 2024 | 27.60% | 27.60% | 28.12% | 10.85% | 2.36% |
| Q2 2024 | 27.22% | 27.22% | 27.74% | 11.17% | 2.30% |
| Q3 2024 | 28.34% | 28.34% | 28.85% | 11.34% | 1.98% |
| Q4 2024 | 24.75% | 24.75% | 25.26% | 9.74% | 1.99% |
| Q1 2025 | 24.90% | 24.90% | 25.41% | 10.08% | 1.90% |
| Q2 2025 | 23.61% | 23.61% | 24.10% | 10.36% | 1.95% |
| Q3 2025 | 24.06% | 24.06% | 24.54% | 10.51% | 1.74% |
| Q4 2025 | 23.14% | 23.14% | 23.63% | 10.09% | 1.77% |
| Q1 2026 | 20.69% | 20.69% | 21.06% | 11.04% | 1.38% |
| Q2 2026 | 18.76% | 18.76% | 19.05% | 10.44% | 1.46% |
Morgan Stanley Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Morgan Stanley Bank, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)