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Morgan Stanley Private Bank, National Association

Purchase, NY · Cert 34221 · 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 assets in the New York-Newark-Jersey City, NY-NJ area3

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 in the New York-Newark-Jersey City, NY-NJ area (n=15). 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

58

Q2 2024Q2 2026peer median (50)

Asset Quality

84

Q2 2024Q2 2026peer median (50)

Profitability

58

Q2 2024Q2 2026peer median (50)

Liquidity

80

Q2 2024Q2 2026peer median

Efficiency

100

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 Private Bank, National Association

Purchase, NY · Cert 34221 · Morgan Stanley

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

Q2 2026

$250.4BAssets
$187.3BLoans
$211.7BDeposits
$16.9BEquity
Loan mix
99%RE $80.6B0%C&I $0.0B1%Consumer $0.7BQ3 2024Q2 2026
Deposit mix
100%Interest-bearing $210.8B0%Noninterest $0.8BQ3 2024Q2 2026

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 7.2% share · #4 of 151 inst. · $211.7B of $2921.1B

Executive Summary

  • Earnings: ROA of 1.14%, up 10 bps year over year; NIM at 1.76%.
  • Asset quality: problem loans at 0.20% of loans (-12 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 6.65%, down 87 bps from a year ago.
  • Funding: loans stand at 88.47% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.14%+10 bps YoY

Net Interest Margin (YTD, annualized)

1.76%+8 bps YoY

Efficiency Ratio (YTD, annualized)

24.76%+113 bps YoY

Tier 1 Leverage Ratio

6.65%-87 bps YoY

NIM

4.39%Q2 ’244.18%Q2 ’254.20%Q2 ’26+3%+5%

Non-interest income vs. expense

0.50%Q2 ’240.46%Q2 ’250.50%Q2 ’26-25%+12%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.99%0.98%1.02%1.04%1.07%1.10%1.19%1.14%+10 bps
Return on Equity12.27%12.26%13.05%13.63%13.99%14.69%16.40%16.07%+244 bps
Net Interest Margin1.59%1.56%1.70%1.68%1.65%1.61%1.74%1.76%+8 bps
Efficiency Ratio26.53%26.28%24.67%23.64%23.47%23.14%23.09%24.76%+113 bps
Non-Interest Burden0.27%0.26%0.25%0.22%0.21%0.20%0.21%0.25%+3 bps
Growth
Asset Growth (YoY)5.89%8.85%10.33%13.23%14.26%15.09%7.87%6.55%-668 bps
Loan Growth (YoY)7.60%9.84%11.30%12.95%12.92%18.81%18.88%19.86%+691 bps
Deposit Growth (YoY)5.71%7.49%10.48%12.67%12.31%11.74%1.10%-0.37%-1,304 bps
Asset Quality
Nonperforming Loans / Loans0.27%0.33%0.31%0.32%0.28%0.25%0.21%0.20%-12 bps
Net Charge-Offs / Loans0.00%0.02%0.00%0.00%0.01%0.01%0.02%0.01%+1 bps
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio8.26%7.72%7.88%7.52%7.58%6.99%7.04%6.65%-87 bps
Total Risk-Based Capital27.81%26.62%27.04%26.37%27.44%26.61%27.68%25.58%-79 bps
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits75.01%73.68%73.68%73.54%75.42%78.34%86.64%88.47%+1,493 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/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 Private Bank, National Association

Purchase, NY · Cert 34221 · Peer group: banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=15) · Morgan Stanley

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

Q2 2026

$250.4BAssets
$187.3BLoans
$211.7BDeposits
$16.9BEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 100% of banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 1 of 15).
  • Widest gap: equity / assets trails 100% of banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 15 of 15).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.14%

Rank 5 of 15

Net Interest Margin

1.76%

Rank 12 of 15

Efficiency Ratio

24.96%

Rank 1 of 15

Equity / Assets

6.77%

Rank 15 of 15

Non-interest income vs. expense

$0.6B$1.3BINCOMEEXPENSE
Unfavorable gap of $0.6B · efficiency ratio beats 100% of banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 24.96%Peer median 55.4%Q2 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.14%0.74%0.98%1.14%Beats 67%5 / 15
Return on Equity16.78%5.21%8.81%10.53%Beats 87%2 / 15
Net Interest Margin1.76%1.76%2.56%3.09%Beats 20%12 / 15
Efficiency Ratio24.96%49.33%55.36%65.80%Beats 100%1 / 15
Asset Quality
Nonperforming Loans / Loans0.20%0.39%0.66%0.92%Beats 87%3 / 15
Net Charge-Offs / Loans0.01%0.01%0.03%0.10%Beats 80%4 / 15
Capital
Tier 1 Capital Ratio24.99%12.31%14.32%17.39%Beats 87%2 / 15
Total Risk-Based Capital Ratio25.58%13.34%14.76%19.29%Beats 87%2 / 15
Equity / Assets6.77%8.06%10.22%12.59%Beats 0%15 / 15
Liquidity & Funding
Loans / Deposits88.47%52.62%85.61%96.57%53rd pctl7 / 15
Loans / Assets74.78%32.81%69.81%78.17%67th pctl5 / 15
Brokered Deposits / Depositsn/aNot reported for this institution