Morgan Stanley Private Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Morgan Stanley Private Bank, N.A. is an FDIC-insured commercial bank headquartered in Purchase, NY, established in 1996 (FDIC certificate 34221), and it is supervised by the OCC. At Q2 2026 it reported total assets of $250.43B, up 6.5% from Q2 2025, the 3rd largest of 105 banks headquartered in New York. Its CET1 capital ratio was 24.99% 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
- 34221
- Headquarters
- Purchase, NY
- Established
- 1996
- Total assets, Q2 2026
- $250.43B
- Assets vs Q2 2025
- +6.5%
- CET1 ratio, Q2 2026
- 24.99%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 021272778
- Latest call report
- Q2 2026, FFIEC 031 · Morgan Stanley Private Bank, N.A. call report
- Holding company
- MORGAN STANLEY CAPITAL MANAGEMENT, LLC
- Asset rank in state
- 3rd of 105 in New York
Morgan Stanley Private Bank, N.A. is the 18th-largest bank in the United States, with $250.4 billion in assets at June 30, 2026, up 6.5% from a year earlier. It is headquartered in Purchase, New York. It spends about 26 cents to bring in each dollar of revenue, about half the median of 54 cents for the 18 US banks with $250 billion or more in assets. It also holds common equity equal to 24.99% of its risk-weighted assets, about double the median of 13.63% for banks its size.
Loans and deposits moved in opposite directions: over the year loans rose 19.9% and deposits fell 0.4%. Unrealized losses on its securities total $4.6 billion, equal to 28% of Tier 1 capital, against 32% a year earlier. Profitability lags: it earns about $1.08 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.23).
As of June 30, 2026, Morgan Stanley Private Bank, N.A. reported a CET1 capital ratio of 24.99%, a return on assets of 1.08%, a nonperforming-loan ratio of 0.20% and a Texas ratio of 2.46%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Morgan Stanley Private Bank, N.A. is the 3rd largest of the 105 banks headquartered in New York. From Q1 2026 to Q2 2026, its total assets rose 3.7% to $250.43B, loans rose 5.0% and deposits rose 2.9%. Its loan book on June 30, 2026 was led by loans for purchasing or carrying securities, at 52.1% of total loans, followed by 1-4 family residential loans at 40.4%. The FDIC Summary of Deposits lists a single office for it, in Purchase, NY. On its Q2 2026 call report, Morgan Stanley Private Bank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2000 Westchester Ave, Purchase, NY 10577
- County
- Westchester
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- August 12, 1996
- Former names
- Morgan Stanley Trust (2001-2010); Morgan Stanley Dean Witter Trust FSB (1998-2001)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 1,238
- Domestic deposits
- $211.67B
- Allowance for credit losses
- $380.0M
- Net charge-offs (YTD)
- $9.0M
- Average total assets
- $251.17B
- Average total loans
- $187.21B
- Average interest-bearing deposits
- $210.06B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- August 12, 1996
- FDIC Cert
- 34221
- Fed RSSD
- 2489805
- SEC CIK
- 895421 → filed by MORGAN STANLEY
- Website
- www.etrade.com →
- 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 Private Bank, N.A.'s total assets ran between $198.52B (Q3 2023) and $254.71B (Q4 2025), 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
$250.43B total assets against $235.03B; $233.48B total liabilities against $217.72B.
$186.88B net loans and leases against $155.83B; $211.67B total deposits against $212.45B.
$39.79B securities against $46.16B; $17.18B cash and balances due against $27.65B.
$2.62B total interest income against $2.40B; $1.53B total interest expense against $1.44B.
$1.09B net interest income against $958.0M.
$161.0M total noninterest income against $138.0M; $335.0M total noninterest expense against $251.0M.
$24.0M provision for credit losses against $23.0M.
$681.0M net income against $616.0M.
1.08% return on assets against 1.09%; 1.77% net interest margin against 1.73%.
24.99% CET1 capital ratio against 25.74%; 6.65% tier 1 leverage ratio against 7.52%.
Inside the full Morgan Stanley Private Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Morgan Stanley Private Bank, N.A. rankings
Its closest position to the top of a national ranking is 18 of 4,196, for total assets; its furthest is 829 of 980, for uninsured deposits.
Metric pages for Morgan Stanley Private Bank, N.A.: CET1 ratio, Efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.96% (Q4 2024) to 1.19% (Q4 2025) and its net interest margin ran from 1.58% (Q3 2024) to 1.81% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 24.99% | 1.08% | 0.20% | 2.46% | 1.77% |
| Q1 2026 | 27.14% | 1.15% | 0.21% | 2.26% | 1.77% |
| Q4 2025 | 26.06% | 1.19% | 0.25% | 2.70% | 1.81% |
| Q3 2025 | 26.84% | 1.13% | 0.28% | 2.70% | 1.72% |
| Q2 2025 | 25.74% | 1.09% | 0.32% | 2.92% | 1.73% |
| Q1 2025 | 26.45% | 1.03% | 0.31% | 2.70% | 1.72% |
| Q4 2024 | 26.10% | 0.96% | 0.33% | 2.87% | 1.67% |
| Q3 2024 | 27.30% | 0.97% | 0.27% | 2.25% | 1.58% |
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 Private Bank, N.A. (main office) | Purchase , NY | 10577 | $211.67B |
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 |
|---|---|---|---|
| January 1, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2022 | Structure Change | Acquired E*trade Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 15, 2011 | Structure Change | Acquired Morgan Stanley Trust N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 15, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2011 | Structure Change | Acquired Morgan Stanley Credit Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 12, 1996 | Merger | Participated in FDIC Assisted Merger | FDIC |
| August 10, 1996 | Structure Change | Acquired Union Federal Bank, a Federal Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 7 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- October 8, 2020, OCC: Civil Money Penalty (CMP): Morgan Stanley Private Bank, National Association
- Period: Most recent institution action October 8, 2020. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 7.6% of deposits in NY, rank 4 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 14,182 applications, 10,740 loans originated, $11.82B originated, across 51 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- SBA 7(a) lending, 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 Private Bank, N.A.
What are Morgan Stanley Private Bank, N.A.'s total assets?
As of the Q2 2026 filing, Morgan Stanley Private Bank, N.A. reported total assets of $250.43 billion in its FFIEC call report.
Where is Morgan Stanley Private Bank, N.A. headquartered?
It is headquartered in Purchase, NY, United States.
When was Morgan Stanley Private Bank, N.A. founded?
It was established in 1996, per the FDIC institution directory.
Is Morgan Stanley Private Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34221). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Morgan Stanley Private Bank, N.A.?
Morgan Stanley Private Bank, N.A.'s primary federal regulator is the OCC.
What is Morgan Stanley Private Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 24.99% 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 Private 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 Private Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 2.46% 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 Private Bank, N.A. previously called?
The charter now named Morgan Stanley Private Bank, N.A. has also operated as Morgan Stanley Trust (2001-2010), Morgan Stanley Dean Witter Trust FSB (1998-2001), per FDIC structure-change records.
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