Bank health / #32992
Morgan Stanley Bank, National Association
Salt Lake City, Utah · National commercial bank (OCC) · MORGAN STANLEY
Not a CAMELS rating. The FinObservatory Composite is a transparent proxy computed only from public FDIC call-report data. It is not the confidential examiner-assigned CAMELS rating, and it is not investment or deposit advice: a high score is not a solvency guarantee, a low score is not a failure prediction. In the 2023 failures, public ratios rated Silicon Valley Bank above average the quarter before it failed, because the cause (unrealized long-duration securities losses against a concentrated deposit base) is invisible in these fields. Full methodology and caveats.
Source: FDIC BankFind Suite (institutions, financials) Methodology
Bank ratio history
Morgan Stanley Bank, National Association: composite and ratio trends, 1992Q1 to 2026Q1
Source: FDIC BankFind Suite (institutions, financials) Noncurrent loans = loans 90+ days past due or nonaccrual, as a share of gross loans; loans-to-deposits is net loans over deposits. Methodology
Selected Call Report line items
Reported 2026 Q1 values are compared with 2025 Q1, the same calendar quarter one year earlier. Dollar amounts are thousands of dollars at source. Capital ratios are source percentages, not proportions. Income lines are cumulative year to date, so they are not compared quarter over quarter.
| Line item | Unit | 2026 Q1 reported | 2025 Q1 prior year | Absolute change | Percentage change |
|---|---|---|---|---|---|
| Balance sheet | |||||
| Total assets | $ thousands | 391,305,000 | 234,481,000 | +156,824,000 | +66.88% |
| Total deposits | $ thousands | 239,595,000 | 187,089,000 | +52,506,000 | +28.06% |
| Total equity capital | $ thousands | 41,955,000 | 23,458,000 | +18,497,000 | +78.85% |
| Net loans and leases | $ thousands | 95,531,000 | 80,282,000 | +15,249,000 | +18.99% |
| Asset quality | |||||
| Loans and leases in nonaccrual status | $ thousands | 635,000 | 619,000 | +16,000 | +2.58% |
| Loans and leases 90+ days past due | $ thousands | 0 | 0 | 0 | n/a |
| Capital | |||||
| Tier 1 capital | $ thousands | 42,136,000 | 23,477,000 | +18,659,000 | +79.48% |
| Total risk-based capital ratio | Source % | 20.04% | 21.41% | -1.37 pp | -6.38% |
| Tier 1 leverage ratio | Source % | 11.04% | 10.08% | +0.96 pp | +9.52% |
| Year-to-date income | |||||
| Net income | $ thousands | 1,326,000 | 1,116,000 | +210,000 | +18.82% |
| Interest income | $ thousands | 3,802,000 | 2,699,000 | +1,103,000 | +40.87% |
| Interest expense | $ thousands | 2,534,000 | 1,590,000 | +944,000 | +59.37% |
Source: FDIC BankFind Suite (Call Reports) Selected canonical line items only; this is not the full FFIEC schedule set or an official UBPR. Missing historical fields are n/a, not zero. Methodology
Peer context (UBPR-style)
2026Q1. Peers are the 16 banks reporting this quarter with $250B and up in total assets, the same asset tier the Composite ranks within (the five tiers: Under $100M, $100M - $1B, $1B - $10B, $10B - $250B, $250B and up). Percentile ranks the bank's raw ratio among the n peers reporting it, ascending, with average rank for ties (the Composite builder's tie convention), so a high noncurrent-loans percentile means more noncurrent loans than peers. Unlike the Composite, nothing is inverted here.
| Ratio | Bank | Peer median | Percentile | n |
|---|---|---|---|---|
| Tier-1 leverage ratio | 11.04% | 9.39% | 81 | 16 |
| Noncurrent loans / gross loans | 0.56% | 0.84% | 19 | 16 |
| Loan-loss reserve / gross loans | 0.55% | 1.57% | 19 | 16 |
| Return on assets | 1.65% | 1.16% | 100 | 16 |
| Net interest margin | 1.68% | 3.06% | 25 | 16 |
| Interest expense / earning assets | 3.36% | 1.93% | 88 | 16 |
| Brokered deposits / total deposits | 23.47% | 3.91% | 100 | 16 |
Source: FDIC BankFind Suite (institutions, financials) | FFIEC UBPR User's Guide The bank / peer median / percentile grammar mirrors the FFIEC Uniform Bank Performance Report presentation, applied to public FDIC data; this is not the UBPR itself, and the asset tiers are FinObservatory peer groups, not FFIEC's. Methodology
Enforcement actions matched to this bank
1 public federal supervisory action matched to FDIC cert #32992 by an exact bank-name-and-state key unique in the FDIC registry. These are public supervisory records, not verdicts of misconduct, and the match is name-based, not a legal identification. Actions against individuals are excluded. Actions taken by the FDIC itself are not covered. The termination column reports the termination date the source register publishes; "None on file" means that register carries no such date, which is not the same as the action being confirmed in force.
| Effective | Regulator | Action | Amount | Termination |
|---|---|---|---|---|
| 2020-10-08 | OCC | Civil Money Penalty (CMP) | $60,000,000 | None on file |
Source: Federal Reserve enforcement actions (CSV) | OCC Enforcement Action Search Institution-level federal actions only, matched by a conservative name-and-state key; see the enforcement module for the full register, method, and match rate. Methodology
This scorecard is a public-data proxy, not a CAMELS rating and not investment or deposit advice. See the methodology and caveats.