Morgan Stanley Private Bank

What sets Morgan Stanley Private Bank apart

• Among the 32 banks of over $100 bn, few report a lower tier 1 leverage ratio than Morgan Stanley Private Bank, at 6.65% in Q2 2026; the group median is 9.44%.
• Morgan Stanley Private Bank has one of the highest loan-to-deposit ratio readings among banks of over $100 bn: 88.29% at Q2 2026, against a median of 72.53% across 32 banks.
• The noncurrent loans to total loans of Morgan Stanley Private Bank, 0.20% at Q2 2026, places Morgan Stanley Private Bank in the bottom tenth of banks of over $100 bn (group median 0.85%).

How large is Morgan Stanley Private Bank?

The balance sheet of Morgan Stanley Private Bank at Q2 2026: assets $250.4 bn, deposits $211.7 bn, net loans $186.9 bn (loans equal to 88.29% of deposits). Securities make up 15.9% of total assets at Morgan Stanley Private Bank. Since Q1 2016, when Morgan Stanley Private Bank held $42.9 bn, its assets grew 484.1%. In the year to Q2 2026, deposits at Morgan Stanley Private Bank fell 0.4% while its total assets rose 6.5%. At Q2 2026, Morgan Stanley Private Bank employed 1,238 full-time equivalent staff across 1 office, about $202.3 mn of assets per employee and $211.7 bn of deposits per office.

How much funding at Morgan Stanley Private Bank is uninsured?

At Morgan Stanley Private Bank, uninsured deposits (above the FDIC limit) made up 19.47% of domestic deposits at Q2 2026 (-6.96 pp on a year earlier); Morgan Stanley Private Bank ranks 413th of 500 on this measure. In dollars, Morgan Stanley Private Bank estimated $41.2 bn of uninsured deposits.

Key facts, Q2 2026

US rank of Morgan Stanley Private Bank: 1 = highest unless marked 1 = lowest.

The CET1 ratio of Morgan Stanley Private Bank stood at 24.99% in Q2 2026, -0.75 pp year on year. Low and high at Morgan Stanley Private Bank since Q1 2016: 21.31% (Q4 2020) to 29.63% (Q2 2022). Equity capital of Morgan Stanley Private Bank at Q2 2026: $16.9 bn, or 6.8% of total assets. Morgan Stanley Private Bank also reported a total capital ratio of 25.58% for Q2 2026, and a tier 1 leverage ratio of 6.65%.

On held-to-maturity securities, Morgan Stanley Private Bank carried an unrealized loss of $4.2 bn at Q2 2026, equal to 24.6% of equity capital. The loss narrowed by $570.0 mn over the year. Its deepest point: $6.3 bn in Q3 2023. The available-for-sale portfolio of Morgan Stanley Private Bank showed an unrealized loss of $425.0 mn at Q2 2026; the loss narrowed by $184.0 mn over the year.

For the year to Q2 2026, Morgan Stanley Private Bank earned a return on equity of 16.07%; return on assets: 1.14%. Net interest margin at Morgan Stanley Private Bank: 1.81%, +0.11 pp in a year. Morgan Stanley Private Bank net income: $1.4 bn, up 20.1% year on year. The efficiency ratio of Morgan Stanley Private Bank was 24.76%: about 25 cents cost per revenue dollar, against 60 cents at the median peer.

At Q2 2026, noncurrent loans were 0.20% of total loans at Morgan Stanley Private Bank; net charge-offs: 0.01% of average loans. Gross loans and leases at Morgan Stanley Private Bank: $187.3 bn, up 19.9% in a year.

The peer group of Morgan Stanley Private Bank is the 6 banks nearest to it by total assets at Q2 2026: 3 larger and 3 smaller. Of the peers, 3 share the charter type of Morgan Stanley Private Bank (national bank), 6 sit in the same size group (over $100 bn) and 1 has its head office in New York. Against them, Morgan Stanley Private Bank shows CET1 ratio 24.99% against a peer median of 12.16%, return on equity 16.07% against a peer median of 9.88% and uninsured deposit share 19.47% against a peer median of 42.44%.

The FDIC history of Morgan Stanley Private Bank, oldest first; figures before and after each event are not like for like.

1. 1 January 2022. Absorbed E*TRADE Bank (FDIC certificate 30746).

Large one-quarter moves at Morgan Stanley Private Bank

• Total assets at Morgan Stanley Private Bank changed by +28.1% in the quarter to 2020-03-31, with no FDIC structure event in that quarter.
• Total assets at Morgan Stanley Private Bank changed by +31.4% in the quarter to 2022-03-31: Affiliated Institution Merger (Pooling) (i.e. Corporate Reorganization; Participated in Absorbtion/Consolidation/Merger: acquired from E*TRADE Bank.