← Back to Institutions
Morgan Stanley Private Bank, National Association
Purchase, NY·FDIC Cert #34221·Charter: OCC·Est. 19960812.0·HC: MORGAN STANLEY
Total Assets
$254.7B
Q4 2025
Return on Assets
1.10%
+0.03%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
23.14%
Peer avg: 54.8%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
67
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.10%+0.03
ROE
14.69%+0.70
Efficiency
23.14%-0.32
Equity/Assets
0.00%+0.00
NPL Ratio
0.25%-0.03
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
78.18%+2.94
Charge-offs
0.01%-0.00
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 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.1 | 1.1 |
| ROE | 12.7 | 12.6 | 12.3 | 12.3 | 13.1 | 13.6 | 14.0 | 14.7 |
| Efficiency | 28.2 | 27.0 | 26.5 | 26.3 | 24.7 | 23.6 | 23.5 | 23.1 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 | 0.2 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 73.0 | 73.2 | 74.8 | 73.5 | 73.5 | 73.4 | 75.2 | 78.2 |
Balance Sheet
Total Assets$254.7B
Total Deposits$222.6B
Total Loans$174.0B
Total Equity$17.7B
Profitability
ROA1.10%
ROE14.69%
Efficiency Ratio23.14%
Net Income$2.6B
Risk & Asset Quality
NPL Ratio0.25%
Charge-off Rate0.01%
Loan/Deposit78.18%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans