Total Assets
$254.7B
Total balance-sheet footings
FDIC Cert #34221 · Purchase, New York · Est. 1996
Morgan Stanley Private 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.
- $254.7B
- Total assets
- A
- Health grade · Excellent
- 1.10%
- Return on assets
- 26.1%
- Tier 1 capital
Data updated July 2026
The verdict
Morgan Stanley Private Bank, National Association earns a PlainBankData health grade of A (95/100), with well-capitalized at 26.06% Tier 1, profitable at 1.10% ROA, efficient (23% cost ratio).
- #13
- largest of 4,313 FDIC banks by assets
- 100th
- percentile by asset size, nationally
- 26.06%
- Tier 1 ratio - above the 10% well-capitalized line
- 50th
- 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 34221 · NY A · 95/100
GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MEGA · BOOK-FULL
- GRADE-A A (95/100)
- TOP-DECILE #308/4307
- PHOTO-FINISH Security National Ba… · SD
- TIER1-WELL 26.1% Tier 1
- TEXAS-CLEAN 2.4% Texas
- ROA-PAR 1.10% ROA
- SIZE-MEGA ≥$100B assets
- BOOK-FULL 9/9 fields
Nearest health peer outside New York: Security National Bank of South Dakota, SD (±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 Private Bank
Lowest and highest poles plus nearest scored peers outside New York, not a full FDIC corpus board reprint.
What Morgan Stanley Private Bank's Call Report plate shows
Morgan Stanley Private Bank, National Association (FDIC Cert #34221) carries a PlainBankData health grade of A at 95/100, 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 #308 of 4,307. Tier 1 capital prints at 26.06%, clearing the 10% well-capitalized line. The Texas Ratio is 2.38%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.10%. Balance-sheet scale is $254.7B, 13th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Security National Bank of South Dakota (SD), 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 Private Bank
6 FAILURE resolutions in New York since 2000 (5 since 2008)
Morgan Stanley Private Bank, National Association's home state sits in the middle band of post-2000 FAILURE counts (6; 5 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Morgan Stanley Private Bank, National Association remains an active FDIC-insured reporter.
- SIGNATURE BANK NEW YORK, NY 2023 → FLAGSTAR BANK, N.A.
- USA BANK PORT CHESTER, NY 2010 → NEW CENTURY BANK
- THE PARK AVENUE BANK NEW YORK, NY 2010 → VALLEY NATIONAL BANK
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and New York banks.
How Morgan Stanley Private Bank, National Association's 95/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Tier 1 Capital Ratio (26.06%) 40/40
Return on Assets (ROA) (1.10%) 20/25
Texas Ratio (2.38%) 20/20
Efficiency Ratio (23.14%) 15/15
95 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$222.6B
Customer-funded liabilities
Net Loans
$174.0B
Outstanding loan book
Net Income
$2.6B
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Morgan Stanley Private Bank, National Association ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Morgan Stanley Private Bank, National Association's score of 95/100 falls in the highlighted band.
Morgan Stanley Private Bank, National Association: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
95 Top 7% higher than 93% of 4,307 FDIC-insured banks
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 Private 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 Private Bank, National Association's $254.7B falls in the highlighted band.
Safety ratios for Morgan Stanley Private Bank
Tier 1 capital ratio
Well-capitalized 10%
26.06% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
26.06%
Texas Ratio
2.38%
Equity Capital
$17.7B
Earnings posture at Morgan Stanley Private Bank
Return on Assets (ROA)
50th percentile nationally
1.10%
Return on Equity (ROE)
14.69%
Efficiency Ratio
23.14%
Income & expense at Morgan Stanley Private Bank
$9.9B
Interest Income
$562M
Non-Interest Income
$1.1B
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Morgan Stanley Private Bank, National Association reports a Texas Ratio of 2.38% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.38% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in New York by total assets
National size peers: banks closest to Morgan Stanley Private Bank, National Association by assets
Measured strictly by total assets rather than geography, Morgan Stanley Private Bank, National Association's closest national peers include Charles Schwab Bank, SSB, Morgan Stanley Bank, BMO Bank, First-Citizens Bank & Trust Company, spanning 6 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within New York. Averaged across this asset-matched cohort, return on assets runs 1.14% (Morgan Stanley Private Bank, National Association is below that at 1.10%), the efficiency ratio averages 45.82% (Morgan Stanley Private Bank, National Association runs leaner at 23.14%), and Tier 1 capital averages 17.92% (Morgan Stanley Private Bank, National Association holds more at 26.06%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.
At $254.7B in assets, Morgan Stanley Private 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.
| Bank | State | Assets | ROA | Efficiency | Tier 1 |
|---|---|---|---|---|---|
| Morgan Stanley Private Bank, National Association (this bank) | NY | $254.7B | 1.10% | 23.14% | 26.06% |
| Charles Schwab Bank, SSB | TX | $253.8B | 0.94% | 21.49% | 35.93% |
| Morgan Stanley Bank, National Association | UT | $253.3B | 1.86% | 19.99% | 20.29% |
| BMO Bank National Association | IL | $252.1B | 0.95% | 53.85% | 14.74% |
| 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 ($254.7B here), outside New York so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Morgan Stanley Private Bank, National Association (FDIC Cert #34221) - 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 Private Bank, National Association Call Report profile · FDIC Failed Bank List · New York FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
Other banks in New York
All New York banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Goldman Sachs Bank USANew York | $645.0B | A | 1.42% |
| The Bank of New York MellonNew York | $381.0B | A | 1.31% |
| Manufacturers and Traders Trust CompanyBuffalo | $212.9B | A | 1.40% |
| Flagstar Bank, National AssociationHicksville | $87.5B | D | -0.14% |
| Bank of ChinaNew York | $61.9B | F | 0.00% |
| Deutsche Bank Trust Company AmericasNew York | $43.0B | A | 1.86% |
| State Bank of IndiaNew York | $22.6B | F | 0.00% |
| Apple BankNew York | $19.2B | C | 0.34% |