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Morgan Stanley Bank, National Association
Salt Lake City, UT·FDIC Cert #32992·Charter: OCC·Est. 19900525.0·HC: MORGAN STANLEY
Total Assets
$253.3B
Q4 2025
Return on Assets
1.86%
-0.02%Peer avg: 1.19%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
19.99%
Peer avg: 54.9%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
77
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.86%-0.02
ROE
18.47%-0.21
Efficiency
19.99%+0.54
Equity/Assets
0.00%+0.00
NPL Ratio
0.62%-0.07
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
49.39%-0.81
Charge-offs
0.17%+0.06
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 2.4 | 2.3 | 2.2 | 2.2 | 1.9 | 1.9 | 1.9 | 1.9 |
| ROE | 22.4 | 21.7 | 20.4 | 20.5 | 19.6 | 19.5 | 18.7 | 18.5 |
| Efficiency | 15.5 | 15.2 | 15.3 | 16.0 | 18.6 | 18.1 | 19.5 | 20.0 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.7 | 0.8 | 0.9 | 0.6 | 0.7 | 0.9 | 0.7 | 0.6 |
| Charge-offs | 0.0 | 0.1 | 0.2 | 0.3 | 0.1 | 0.1 | 0.1 | 0.2 |
| Loan/Deposit | 43.5 | 47.8 | 45.1 | 45.1 | 49.7 | 49.1 | 50.2 | 49.4 |
Balance Sheet
Total Assets$253.3B
Total Deposits$205.1B
Total Loans$101.3B
Total Equity$25.6B
Profitability
ROA1.86%
ROE18.47%
Efficiency Ratio19.99%
Net Income$4.5B
Risk & Asset Quality
NPL Ratio0.62%
Charge-off Rate0.17%
Loan/Deposit49.39%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans