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.

Compiled from official public sources by the publisher.
$253.3B
Total assets
A
Health grade · Excellent
1.86%
Return on assets
20.3%
Tier 1 capital

Data updated July 2026

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

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 32992 · UT A · 100/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MEGA · BOOK-FULL

  • GRADE-A A (100/100)
  • TOP-DECILE #1/4307
  • PHOTO-FINISH County Bank · DE
  • TIER1-WELL 20.3% Tier 1
  • TEXAS-CLEAN 2.4% Texas
  • ROA-STRONG 1.86% ROA
  • SIZE-MEGA ≥$100B assets
  • BOOK-FULL 9/9 fields

Nearest health peer outside Utah: County Bank, DE (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Morgan Stanley Bank

Lowest and highest poles plus nearest scored peers outside Utah, not a full FDIC corpus board reprint.

County Bank · DE · near100/100First Savings Bank · SD · ne…100/100Malaga Bank F.S.B. · CA · ne…100/100Morgan Stanley Bank,… · UT ·…100/100Stifel Trust Company… · MO ·…100/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Morgan Stanley Bank · July 2026

What Morgan Stanley Bank's Call Report plate shows

Morgan Stanley Bank, National Association (FDIC Cert #32992) carries a PlainBankData health grade of A at 100/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1 of 4,307. Tier 1 capital prints at 20.29%, clearing the 10% well-capitalized line. The Texas Ratio is 2.41%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.86%. Balance-sheet scale is $253.3B, 15th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is County Bank (DE), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Morgan Stanley Bank

8 FAILURE resolutions in Utah since 2000 (7 since 2008)

Morgan Stanley Bank, National Association's home state sits in the middle band of post-2000 FAILURE counts (8; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Morgan Stanley Bank, National Association remains an active FDIC-insured reporter.

  • PROFICIO BANK COTTONWOOD HEIGHTS, UT 2017 → CACHE VALLEY BANK
  • SUNFIRST BANK SAINT GEORGE, UT 2011 → CACHE VALLEY BANK
  • CENTENNIAL BANK OGDEN, UT 2010

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Utah banks.

How Morgan Stanley Bank, National Association's 100/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/100100/100
Morgan Stanley Bank, National Association's composite health score
Tier 1 Capital Ratio (20.29%) 40/40
Return on Assets (ROA) (1.86%) 25/25
Texas Ratio (2.41%) 20/20
Efficiency Ratio (19.99%) 15/15

100 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$253.3B

Total balance-sheet footings

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

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 18.89% 20.29% 21.69%
Basel III capital ratios - Morgan Stanley Bank, National Association

Where Morgan Stanley Bank, National Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Morgan Stanley Bank, National Association's score of 100/100 falls in the highlighted band.

Morgan Stanley Bank, National Association: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

100 Top 1% higher than all other reporting FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Morgan Stanley Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Morgan Stanley Bank, National Association's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Morgan Stanley Bank, National Association's $253.3B falls in the highlighted band.

Safety ratios for Morgan Stanley Bank

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
20.29%
Texas Ratio
2.41%
Equity Capital
$25.6B

What these ratios mean →

Earnings posture at Morgan Stanley Bank

Return on Assets (ROA)
87th percentile nationally
1.86%
Return on Equity (ROE)
18.47%
Efficiency Ratio
19.99%

What these mean →

Income & expense at Morgan Stanley Bank

$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.

FDIC Failed Bank List → View Morgan Stanley Bank, National Association on FDIC BankFind →

Top banks in Utah by total assets

Largest banks headquartered in Utah
  1. 1
    Morgan Stanley Bank $253.3B

    Salt Lake City, UT · Grade A

  2. 2
    American Express National Bank $211.3B

    Sandy, UT · Grade A

  3. 3
    Ally Bank $184.6B

    Sandy, UT · Grade A

  4. 4
    UBS Bank USA $119.3B

    Salt Lake City, UT · Grade A

  5. 5
    Synchrony Bank $112.1B

    Draper, UT · Grade A

Top 5 banks in Utah ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to Morgan Stanley Bank, National Association by assets

Morgan Stanley Bank, National Association is closely matched in total assets by Charles Schwab Bank, SSB, BMO Bank, Morgan Stanley Private Bank, First-Citizens Bank & Trust Company across 6 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 1.01%, versus Morgan Stanley Bank, National Association's own 1.86%; the average efficiency ratio is 46.35%, versus 19.99% here; and average Tier 1 capital sits at 18.88%, versus 20.29% at Morgan Stanley Bank, National Association. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.

At $253.3B in assets, Morgan Stanley Bank, National Association sits well above the $100 billion threshold at which the Dodd-Frank Act, as amended by the 2018 Economic Growth, Regulatory Relief, and Consumer Protection Act, applies enhanced prudential standards -- more frequent capital and liquidity stress testing and formal resolution ("living will") planning -- on top of the $10 billion threshold at which the CFPB, rather than the bank's primary prudential regulator, takes over direct supervision for consumer-protection compliance.

Closest banks to Morgan Stanley Bank, National Association nationally by total assets
  1. 1
    Charles Schwab Bank, SSB $253.8B

    Westlake, TX · Grade A

  2. 2
    BMO Bank $252.1B

    Chicago, IL · Grade A

  3. 3
    Morgan Stanley Private Bank $254.7B

    Purchase, NY · Grade A

  4. 4
    First-Citizens Bank & Trust Company $229.3B

    Raleigh, NC · Grade B

  5. 5
    Citizens Bank $225.9B

    Providence, RI · Grade B

  6. 6
    The Huntington National Bank $224.0B

    Columbus, OH · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
Morgan Stanley Bank, National Association (this bank) UT $253.3B 1.86% 19.99% 20.29%
Charles Schwab Bank, SSB TX $253.8B 0.94% 21.49% 35.93%
BMO Bank National Association IL $252.1B 0.95% 53.85% 14.74%
Morgan Stanley Private Bank, National Association NY $254.7B 1.10% 23.14% 26.06%
First-Citizens Bank & Trust Company NC $229.3B 1.00% 62.36% 12.55%
Citizens Bank, National Association RI $225.9B 0.87% 62.22% 12.27%
The Huntington National Bank OH $224.0B 1.20% 55.04% 11.72%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($253.3B here), outside Utah so the neighborhood is not state containment.

Charles Schwab Bank, SSB $253.8B · TX BMO Bank $252.1B · IL Morgan Stanley Private Bank $254.7B · NY First-Citizens Bank & Trust Company $229.3B · NC

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.

Morgan Stanley Bank, National Association Call Report profile · FDIC Failed Bank List · Utah FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Utah

All Utah banks →
BankAssetsGradeROA
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%