Total Assets
$253.3B
Total balance-sheet footings
FDIC Cert #32992 · Salt Lake City, Utah · Est. 1990
Morgan Stanley Bank, National Association - FDIC Bank Health Profile
One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.
- $253.3B
- Total assets
- A
- Health grade · Excellent
- 1.86%
- Return on assets
- 20.3%
- Tier 1 capital
The verdict
Morgan Stanley Bank, National Association earns a PlainBankData health grade of A (100/100), with well-capitalized at 20.29% Tier 1, profitable at 1.86% ROA, efficient (20% cost ratio).
- #15
- largest of 4,313 FDIC banks by assets
- 100th
- percentile by asset size, nationally
- 20.29%
- Tier 1 ratio - above the 10% well-capitalized line
- 87th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
Balance sheet at a glance
Total Deposits
$205.1B
Customer-funded liabilities
Net Loans
$101.3B
Outstanding loan book
Net Income
$4.5B
Bottom-line earnings
Capital adequacy vs federal thresholds
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
20.29% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
20.29%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
2.41%
Equity Capital
Tangible book value as a capital buffer
$25.6B
Profitability metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1% · 87.2th pct nationally
1.86%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
18.47%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
19.99%
What the numbers say about Morgan Stanley Bank, National Association
Morgan Stanley Bank, National Association is an FDIC-insured institution (Certificate #32992) headquartered in Salt Lake City, Utah, established in 1990. It holds $253.3B in total assets - 15th of 4,313 FDIC-insured banks, $205.1B in customer deposits, and $101.3B in net loans. On safety, its Tier 1 capital ratio of 20.29% is above the 10% well-capitalized threshold, and its Texas Ratio of 2.41% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (100/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Income & expense breakdown
$11.2B
Interest Income
$3.1B
Non-Interest Income
$1.5B
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Morgan Stanley Bank, National Association reports a Texas Ratio of 2.41% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.41% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Utah by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Morgan Stanley Bank, National Association (FDIC Cert #32992) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Utah
All Utah banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| American Express National BankSandy | $211.3B | A | 3.89% |
| Ally BankSandy | $184.6B | A | 0.91% |
| UBS Bank USASalt Lake City | $119.3B | A | 1.13% |
| Synchrony BankDraper | $112.1B | A | 2.89% |
| Zions Bancorporation, N.A.Salt Lake City | $89.0B | B | 1.01% |
| SoFi Bank, National AssociationCottonwood Heights | $46.6B | A | 1.96% |
| Sallie Mae BankSalt Lake City | $29.7B | A | 2.90% |
| Optum Bank, Inc.Draper | $20.8B | A | 2.69% |
Frequently asked questions
What is Morgan Stanley Bank, National Association's health grade?▼
Morgan Stanley Bank, National Association receives a health grade of A (100/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Morgan Stanley Bank, National Association?▼
Morgan Stanley Bank, National Association holds $253.3B in total assets and $205.1B in deposits, ranking 15th of 4,313 FDIC-insured banks by asset size. It is headquartered in Salt Lake City, Utah.
Is my money safe at Morgan Stanley Bank, National Association?▼
Yes. Morgan Stanley Bank, National Association is FDIC-insured (Certificate #32992). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Morgan Stanley Bank, National Association's Tier 1 Capital Ratio?▼
Morgan Stanley Bank, National Association has a Tier 1 Capital Ratio of 20.29%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Morgan Stanley Bank, National Association?▼
Morgan Stanley Bank, National Association has a Texas Ratio of 2.41%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Morgan Stanley Bank, National Association?▼
Morgan Stanley Bank, National Association has an Efficiency Ratio of 19.99%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Morgan Stanley Bank, National Association's profile as a depositor or analyst.
- Morgan Stanley Bank, National Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Deposits are FDIC-insured to $250,000 per depositor, per category, confirm your coverage if balances are large. FDIC insurance explained
- Compare Morgan Stanley Bank, National Association against other Utah banks before moving funds. Utah banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Data compiled from the Federal Deposit Insurance Corporation (FDIC) (FDIC BankFind Suite, Call Report FFIEC 031/041). See our methodology for the full ETL pipeline, source vintage, and column lineage.
Disclaimer: Provided for informational purposes only; not professional advice. Consult a qualified professional before making decisions based on this data.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. This page draws directly on FDIC federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.