Morgan Stanley Bank
Morgan Stanley Bank reported total assets of $419.3 bn at Q2 2026, up 75.3% on a year earlier, the 11th largest of 497 banks in our US coverage. The CET1 capital ratio at Morgan Stanley Bank was 18.25%, and the uninsured share of Morgan Stanley Bank was 43.96%. Source: FDIC Call Reports.
Key takeaways
- On uninsured share of domestic deposits, Morgan Stanley Bank climbed from 442nd to 150th among 500 US banks between and (1 = highest; FDIC Call Reports).
- Over the year to , the total assets of Morgan Stanley Bank rose by 75.3% to $419.3 bn, a bigger rise than at 99% of covered banks (FDIC Call Reports).
- Morgan Stanley Bank reports one of the lowest net interest margin readings among banks of over $100 bn: 1.53% at , where the median of the 32 banks is 3.14% (FDIC Call Reports).
What sets Morgan Stanley Bank apart
- Over the year to , the bank equity capital of Morgan Stanley Bank rose by 64.8% to $40.6 bn, a bigger rise than at 98% of covered banks.
- Over the year to , the net interest margin of Morgan Stanley Bank fell by 0.47 pp to 1.53%, a bigger fall than at 97% of covered banks.
- Over the year to , the total deposits of Morgan Stanley Bank rose by 44.6% to $278.9 bn, a bigger rise than at 97% of covered banks.
How large is Morgan Stanley Bank?
The balance sheet of Morgan Stanley Bank at : assets $419.3 bn, deposits $278.9 bn, net loans $114.5 bn (loans equal to 41.05% of deposits). Securities make up 19.7% of total assets at Morgan Stanley Bank. Since , when Morgan Stanley Bank held $137.0 bn, its assets grew 206.1%. In the year to , deposits at Morgan Stanley Bank rose 44.6% while its total assets rose 75.3%. At , Morgan Stanley Bank employed 1,282 full-time equivalent staff across 1 office, about $327.1 mn of assets per employee and $278.9 bn of deposits per office.
How much funding at Morgan Stanley Bank is uninsured?
At Morgan Stanley Bank, uninsured deposits (above the FDIC limit) made up 43.96% of domestic deposits at (+25.07 pp on a year earlier); Morgan Stanley Bank ranks 150th of 500 on this measure. In dollars, Morgan Stanley Bank estimated $118.1 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $278.9 bn | +44.6% | 12th of 499 |
| Net loans and leases | $114.5 bn | +20.9% | 20th of 500 |
| Loan-to-deposit ratio | 41.05% | -8.06 pp | 481st of 500 |
| Tier 1 leverage ratio | 10.44% | +0.08 pp | 232nd of 500 |
| Total risk-based capital ratio | 18.71% | -2.59 pp | 56th of 448 |
| Net interest margin | 1.53% | -0.47 pp | 490th of 500 |
| Return on assets (ROA) | 1.56% | -0.39 pp | 140th of 500 |
| Efficiency ratio | 36.83% | +18.71 pp | 45th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $2.6 bn | Narrowed by $386.0 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $1.5 bn | Narrowed by $408.0 mn | |
| Noncurrent loans to total loans | 0.47% | -0.37 pp | 184th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.08% | -0.01 pp | 238th of 500 (1 = lowest) |
US rank of Morgan Stanley Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Morgan Stanley Bank: assets, deposits and loans
- Total assets $419bn
- Deposits $279bn
- Net loans $115bn
Capital and securities
The CET1 ratio of Morgan Stanley Bank stood at 18.25% in , -2.22 pp year on year. Low and high at Morgan Stanley Bank since : 15.47% () to 22.99% (). Equity capital of Morgan Stanley Bank at : $40.6 bn, or 9.7% of total assets. Morgan Stanley Bank also reported a total capital ratio of 18.71% for , and a tier 1 leverage ratio of 10.44%.
On held-to-maturity securities, Morgan Stanley Bank carried an unrealized loss of $2.6 bn at , equal to 6.5% of equity capital. The loss narrowed by $386.0 mn over the year. Its deepest point: $4.4 bn in . The available-for-sale portfolio of Morgan Stanley Bank showed an unrealized loss of $1.5 bn at ; the loss narrowed by $408.0 mn over the year.
Morgan Stanley Bank: capital ratios
- Total capital 19%
- CET1 18%
- Tier 1 leverage 10%
Morgan Stanley Bank: unrealized securities gains and losses
- Available for sale -$1.5bn
- Held to maturity -$2.6bn
Profitability and loan quality
For the year to , Morgan Stanley Bank earned a return on equity of 15.33%; return on assets: 1.56%. Net interest margin at Morgan Stanley Bank: 1.53%, -0.47 pp in a year. Morgan Stanley Bank net income: $2.8 bn, up 21.0% year on year. The efficiency ratio of Morgan Stanley Bank was 36.83%: about 37 cents cost per revenue dollar, against 63 cents at the median peer.
At , noncurrent loans were 0.47% of total loans at Morgan Stanley Bank; net charge-offs: 0.08% of average loans. Gross loans and leases at Morgan Stanley Bank: $115.1 bn, up 20.7% in a year.
Morgan Stanley Bank: profitability
- Return on equity 15%
- Net interest margin 1.5%
- Return on assets 1.6%
Peer group of Morgan Stanley Bank
The peer group of Morgan Stanley Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of Morgan Stanley Bank (national bank), 6 sit in the same size group (over $100 bn) and 0 have head offices in Utah. Against them, Morgan Stanley Bank shows CET1 ratio 18.25% against a peer median of 13.34%, return on equity 15.33% against a peer median of 11.29% and uninsured deposit share 43.96% against a peer median of 44.87%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| PNC Bank | National bank | DE | $609.8 bn | 11.20% | 12.59% | 44.83% | |
| Truist Bank | State nonmember bank | NC | $548.3 bn | 12.11% | 10.00% | 44.91% | |
| The Bank of New York Mellon | State member bank | NY | $425.1 bn | 14.56% | 19.63% | 99.26% | |
| Morgan Stanley Bank | National bank | UT | $419.3 bn | 18.25% | 15.33% | 43.96% | |
| State Street Bank and Trust Company | State member bank | MA | $412.6 bn | 14.72% | 12.96% | 102.28% | |
| TD Bank | National bank | DE | $342.8 bn | 16.16% | 5.87% | 37.28% | |
| Fifth Third Bank | National bank | OH | $299.2 bn | 11.70% | 7.89% | 44.48% | |
. FDIC Call Reports.
Last eight quarters
Two years at Morgan Stanley Bank, to : assets +86.5%, deposits +54.8%, equity +64.1%. Staff 281 to 1,282.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $224.9 bn | $230.7 bn | $234.5 bn | $239.2 bn | $249.7 bn | $253.3 bn | $391.3 bn | $419.3 bn |
| Total deposits | $180.2 bn | $187.1 bn | $187.1 bn | $192.9 bn | $201.6 bn | $205.1 bn | $254.3 bn | $278.9 bn |
| Bank equity capital | $24.8 bn | $22.1 bn | $23.5 bn | $24.6 bn | $26.0 bn | $25.6 bn | $42.0 bn | $40.6 bn |
| CET1 ratio | 22.99% | 20.11% | 20.62% | 20.47% | 19.77% | 20.29% | 19.54% | 18.25% |
| Return on equity (ROE) | 20.44% | 20.47% | 19.60% | 19.52% | 18.68% | 18.47% | 15.71% | 15.33% |
| Uninsured share of domestic deposits | 20.29% | 21.14% | 19.42% | 18.89% | 19.96% | 19.97% | 39.38% | 43.96% |
| Full-time equivalent employees | 281 | 281 | 271 | 268 | 270 | 282 | 1,311 | 1,282 |
| Number of offices | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
FDIC Call Reports.
Mergers and acquisitions
Large one-quarter moves at Morgan Stanley Bank
- Total assets at Morgan Stanley Bank changed by +54.5% in the quarter to 2026-03-31, with no FDIC structure event in that quarter.
Questions and identifiers
What were the total assets of Morgan Stanley Bank?
Morgan Stanley Bank reported $419.3 bn at in its Call Report. That makes Morgan Stanley Bank the 11th largest of 497 banks in our US coverage.
Is Morgan Stanley Bank the same as its holding company?
No. This page covers Morgan Stanley Bank, FDIC certificate 32992; MORGAN STANLEY (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Morgan Stanley Bank profitable?
Morgan Stanley Bank reported net income of $2.8 bn for the year to ; annualized return on equity: 15.33%. So yes: Morgan Stanley Bank made a profit over these months.
When is data for Morgan Stanley Bank next updated?
Figures from Morgan Stanley Bank for are due after .
Where can I check the figures for Morgan Stanley Bank?
In the FDIC BankFind Suite record for certificate 32992, and in the Call Reports of Morgan Stanley Bank (RSSD ID 1456501) at the FFIEC Central Data Repository.