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.
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.
Morgan Stanley Private Bank, National Association's 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'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 metrics
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
Profitability metrics
Return on Assets (ROA)
50th percentile nationally
1.10%
Return on Equity (ROE)
14.69%
Efficiency Ratio
23.14%
What the numbers say about Morgan Stanley Private Bank, National Association
Morgan Stanley Private Bank, National Association is an FDIC-insured institution (Certificate #34221) headquartered in Purchase, New York, established in 1996. It holds $254.7B in total assets - 13th of 4,313 FDIC-insured banks, $222.6B in customer deposits, and $174.0B in net loans. Capital-wise, the Tier 1 ratio sits at 26.06%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 2.38%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (95 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, Morgan Stanley Private Bank, National Association sits in the top decile of all FDIC-insured institutions by asset size (13th of 4,313), and within New York it ranks 3rd of 120 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is Manufacturers and Traders Trust Compa…, at $212.9B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$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% |
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.
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% |
Frequently asked questions
What is Morgan Stanley Private Bank, National Association's health grade?▼
Morgan Stanley Private Bank, National Association receives a health grade of A (95/100) 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 Private Bank, National Association?▼
Morgan Stanley Private Bank, National Association holds $254.7B in total assets and $222.6B in deposits, ranking 13th of 4,313 FDIC-insured banks by asset size. It is headquartered in Purchase, New York.
Is my money safe at Morgan Stanley Private Bank, National Association?▼
Yes, deposits at Morgan Stanley Private Bank, National Association (Certificate #34221) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Morgan Stanley Private Bank, National Association's Tier 1 Capital Ratio?▼
Morgan Stanley Private Bank, National Association has a Tier 1 Capital Ratio of 26.06%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Morgan Stanley Private Bank, National Association?▼
Morgan Stanley Private Bank, National Association has a Texas Ratio of 2.38%. Staying under 50% is the level analysts treat as 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 Private Bank, National Association?▼
Morgan Stanley Private Bank, National Association has an Efficiency Ratio of 23.14%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Morgan Stanley Private Bank, National Association's profile as a depositor or analyst.
- Morgan Stanley Private Bank, National Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Morgan Stanley Private Bank, National Association against other New York banks before moving funds. New York 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.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.