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
Favorable gap of $2.6B · efficiency ratio beats 89% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.32% | 1.00% | 1.26% | 1.54% | Beats 56% | 64 / 144 | | |
| Return on Equity | 13.60% | 8.98% | 11.34% | 14.40% | Beats 72% | 41 / 144 | | |
| Net Interest Margin | 1.28% | 2.82% | 3.31% | 3.68% | Beats 3% | 140 / 144 | | |
| Efficiency Ratio | 36.83% | 49.42% | 56.02% | 62.41% | Beats 89% | 17 / 144 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.47% | 0.48% | 0.73% | 1.07% | Beats 76% | 35 / 142 | | |
| Net Charge-Offs / Loans | 0.04% | 0.05% | 0.11% | 0.22% | Beats 80% | 29 / 142 | | |
| Capital |
| Tier 1 Capital Ratio | 18.25% | 12.07% | 12.98% | 14.92% | Beats 90% | 15 / 144 | | |
| Total Risk-Based Capital Ratio | 18.71% | 13.39% | 14.14% | 16.25% | Beats 89% | 16 / 144 | | |
| Equity / Assets | 9.69% | 9.69% | 11.39% | 12.96% | Beats 25% | 108 / 144 | | |
| Liquidity & Funding |
| Loans / Deposits | 42.84% | 75.72% | 84.92% | 91.56% | 4th pctl | 137 / 143 | | |
| Loans / Assets | 27.45% | 59.83% | 69.07% | 74.80% | 6th pctl | 136 / 144 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |