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Morgan Stanley Bank, N.A.

Salt Lake City, UT · Cert 32992 · Morgan Stanley

National charter · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

68

Q2 2024Q2 2026peer median (50)

Asset Quality

78

Q2 2024Q2 2026peer median (50)

Profitability

44

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

89

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Morgan Stanley Bank, N.A.

Salt Lake City, UT · Cert 32992 · Morgan Stanley

National charter · OCC · 1 affiliate bank · 1 branch (2 in holding)

Q2 2026

$419.3BAssets
$115.1BLoans
$268.8BDeposits
$40.6BEquity
Loan mix
50%RE $12.6B50%C&I $12.7B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
99%Interest-bearing $266.4B1%Noninterest $2.3BQ2 2025Q2 2026

NIM

5.30%Q2 ’244.61%Q2 ’253.97%Q2 ’26-22%-33%

Non-interest income vs. expense

0.55%Q2 ’240.58%Q2 ’251.13%Q2 ’26-18%+10%

Market Position · Salt Lake City-Murray, UT · 2026 SOD (annual) · 22.9% share · #1 of 57 inst. · $268.8B of $1175.7B

Executive Summary

  • Earnings: ROA of 1.56%, down 39 bps year over year; NIM at 1.28%.
  • Asset quality: problem loans at 0.47% of loans (-37 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 10.44%, up 8 bps from a year ago.
  • Funding: loans stand at 42.84% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.56%-39 bps YoY

Net Interest Margin (YTD, annualized)

1.28%-62 bps YoY

Efficiency Ratio (YTD, annualized)

36.83%+1,871 bps YoY

Tier 1 Leverage Ratio

10.44%+8 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.95%1.88%1.86%1.65%1.56%-39 bps
Return on Equity19.52%18.68%18.47%15.71%15.33%-420 bps
Net Interest Margin1.90%1.84%1.77%1.32%1.28%-62 bps
Efficiency Ratio18.12%19.46%19.99%36.58%36.83%+1,871 bps
Non-Interest Burden-0.73%-0.61%-0.61%-0.67%-0.65%+7 bps
Growth
Asset Growth (YoY)13.11%11.04%9.81%66.88%75.26%+6,216 bps
Loan Growth (YoY)14.83%24.41%19.90%21.55%20.73%+590 bps
Deposit Growth (YoY)12.02%11.90%9.65%28.06%39.32%+2,730 bps
Asset Quality
Nonperforming Loans / Loans0.85%0.69%0.62%0.56%0.47%-37 bps
Net Charge-Offs / Loans0.09%0.10%0.16%0.10%0.08%-1 bps
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.36%10.51%10.09%11.04%10.44%+8 bps
Total Risk-Based Capital21.30%20.49%20.98%20.04%18.71%-259 bps
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits49.43%50.51%49.66%47.48%42.84%-660 bps
Liquid Assets / Assets0.00%0.00%0.00%5.47%4.76%+476 bps
CRE / Total Capitaln/an/an/an/an/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Morgan Stanley Bank, N.A.

Salt Lake City, UT · Cert 32992 · Peer group: banks over $10B in assets (n=142-144) · Morgan Stanley

National charter · OCC · 1 affiliate bank · 1 branch (2 in holding)

Q2 2026

$419.3BAssets
$115.1BLoans
$268.8BDeposits
$40.6BEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 90% of banks over $10B in assets (rank 15 of 144).
  • Widest gap: net interest margin trails 97% of banks over $10B in assets (rank 140 of 144).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.32%

Rank 64 of 144

Net Interest Margin

1.28%

Rank 140 of 144

Efficiency Ratio

36.83%

Rank 17 of 144

Equity / Assets

9.69%

Rank 108 of 144

Non-interest income vs. expense

$7.0B$4.4BINCOMEEXPENSE
Favorable gap of $2.6B · efficiency ratio beats 89% of banks over $10B in assets
Bank 36.83%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.32%1.00%1.26%1.54%Beats 56%64 / 144
Return on Equity13.60%8.98%11.34%14.40%Beats 72%41 / 144
Net Interest Margin1.28%2.82%3.31%3.68%Beats 3%140 / 144
Efficiency Ratio36.83%49.42%56.02%62.41%Beats 89%17 / 144
Asset Quality
Nonperforming Loans / Loans0.47%0.48%0.73%1.07%Beats 76%35 / 142
Net Charge-Offs / Loans0.04%0.05%0.11%0.22%Beats 80%29 / 142
Capital
Tier 1 Capital Ratio18.25%12.07%12.98%14.92%Beats 90%15 / 144
Total Risk-Based Capital Ratio18.71%13.39%14.14%16.25%Beats 89%16 / 144
Equity / Assets9.69%9.69%11.39%12.96%Beats 25%108 / 144
Liquidity & Funding
Loans / Deposits42.84%75.72%84.92%91.56%4th pctl137 / 143
Loans / Assets27.45%59.83%69.07%74.80%6th pctl136 / 144
Brokered Deposits / Depositsn/aNot reported for this institution