Morgan Stanley Bank, N.A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Capital moved notably last quarter, CET1 ratio of 18.76% was down 192bps from the prior quarter. Morgan Stanley Bank, N.A. is an FDIC-insured commercial bank, in the Salt Lake City metropolitan region. Total assets stand at $419.3B. Returns are notably above industry norms: 1.46% ROA, 13.92% ROE, and 1.34% NIM. Regulatory capital is solid, 18.76% CET1 and 19.05% total risk-based capital ratio. Asset quality is solid, 1.06% nonperforming loans and a 2.99% Texas Ratio. The bank operates from a single office.
As of June 30, 2026, Morgan Stanley Bank, N.A. reported a CET1 capital ratio of 18.76%, a return on assets of 1.46%, a nonperforming-loan ratio of 1.06%, a Texas ratio of 2.99%, per financial data filed with the FFIEC.
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)
- Offices
- 1 domestic
- Employees (FTE)
- 1,282
- Domestic deposits
- $268.75B
- Allowance for credit losses
- $616.0M
- Net charge-offs (YTD)
- $44.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- May 25, 1990
- FDIC Cert
- 32992
- Fed RSSD
- 1456501
- Parent Holding Company
- MORGAN STANLEY CAPITAL MANAGEMENT, LLC (RSSD 3820290)
- Ultimate Parent
- MITSUBISHI UFJ FINANCIAL GROUP, INC. (RSSD 2961897)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Morgan Stanley Bank, N.A.: Uninsured deposits, Efficiency ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.76% | 1.46% | 1.06% | 2.99% | 1.34% |
| Q1 2026 | 20.69% | 1.38% | 1.21% | 3.23% | 1.40% |
| Q4 2025 | 23.14% | 1.77% | 0.96% | 3.79% | 1.77% |
| Q3 2025 | 24.06% | 1.74% | 1.02% | 3.95% | 1.90% |
| Q2 2025 | 23.61% | 1.95% | 1.06% | 4.15% | 2.00% |
| Q1 2025 | 24.90% | 1.90% | 1.02% | 3.99% | 1.92% |
| Q4 2024 | 24.75% | 1.99% | 0.76% | 2.85% | 2.14% |
| Q3 2024 | 28.34% | 1.98% | 0.86% | 3.03% | 2.36% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 1 branches →
| 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
What the public regulatory sources show for Morgan Stanley Bank, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 65 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Morgan Stanley Bank, N.A. headquartered?
Morgan Stanley Bank, N.A. is headquartered in Salt Lake City, UT, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Morgan Stanley Bank, N.A. founded?
Morgan Stanley Bank, N.A. was established in 1990, per the FDIC institution directory.
Is Morgan Stanley Bank, N.A. FDIC-insured?
Yes. Morgan Stanley Bank, N.A. 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Morgan Stanley Bank, N.A.'s CET1 capital ratio?
Morgan Stanley Bank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 18.76% 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?
Morgan Stanley Bank, N.A. 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?
Morgan Stanley Bank, N.A.'s Texas Ratio is 2.99% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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