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Morgan Stanley Bank, National Association

$250B+ Specialty: Other UT FDIC cert 32992

Salt Lake City, UT

16 banks in the $250B+ peer group nationally 1 in UT
View $250B+ leaderboard (UT) →

Morgan Stanley Bank, National Association has 4 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 0.1% in tier
  • + Credit Quality Leader: Top 25.0% in tier
  • + Return on Assets 0.50% above tier average
  • + Efficiency Ratio 19.31% below tier average

Key Concerns

Areas that may need attention

  • - Cost Spiral: Bottom 20.0% in tier
  • - Liquidity Overhang: Bottom 50.0% in tier
  • - Net Interest Margin 1.37% below tier average
Get updates when Morgan Stanley Bank, National Association releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
Total Assets ? $391.3B
+66.9% YoY +54.5% QoQ
-$615.8B $1,007.1B
-0.5% YoY
$31.5B
+16.1% YoY
$6.2B
+9.1% YoY
38%
Total Loans ? $113.1B
+21.6% YoY +11.7% QoQ
-$323.1B $436.2B
+3.5% YoY
$18.8B
+6.7% YoY
$3.2B
+10.8% YoY
19%
Total Deposits ? $254.3B
+35.9% YoY +24.0% QoQ
-$512.7B $767.0B
-1.7% YoY
$24.2B
+10.6% YoY
$4.8B
+8.2% YoY
25%
Return on Assets ? 1.65%
-14.3% YoY -11.6% QoQ
+0.50% 1.15%
+9.3% YoY
2.19%
+3.7% YoY
1.23%
+13.4% YoY
Top 0.1% in tier
Net Interest Margin ? 1.68%
-14.3% YoY -13.0% QoQ
-1.37% 3.05%
+6.7% YoY
7.79%
+9.7% YoY
3.89%
+5.7% YoY
25%
Efficiency Ratio ? 36.58%
+96.6% YoY +83.0% QoQ
-19.31% 55.89%
+3.9% YoY
105.45%
+9.4% YoY
66.95%
-4.1% YoY
Top 0.1% in tier
Delinquency Rate ? 0.56%
-15.6% YoY -9.6% QoQ
-0.36% 0.92%
-4.7% YoY
1.46%
+7.1% YoY
0.95%
+18.8% YoY
Top 12.5% in tier
Loan-to-Deposit Ratio ? 44.48%
-10.5% YoY -9.9% QoQ
-14.17% 58.65%
+11.5% YoY
84.36%
+3.4% YoY
76.70%
+0.9% YoY
Top 12.5% in tier
Non-Interest-Bearing Deposit Share ? 1.20%
+37.9% YoY +11.4% QoQ
-17.41% 18.60%
+9.6% YoY
17.87%
+4.4% YoY
22.01%
-1.2% YoY
Bottom 12.5% in tier
Nonperforming Asset Ratio ? 0.33%
-3.7% YoY -3.4% QoQ
-0.15% 0.48%
+3.7% YoY
1.01%
+17.9% YoY
0.67%
+19.3% YoY
81%
Tier 1 Capital Ratio ? 19.54%
-5.2% YoY -3.7% QoQ
+5.54% 14.00%
-15.5% YoY
22.97%
+16.9% YoY
17.06%
+0.8% YoY
Top 0.1% in tier
Non-Interest Income / Assets ? 0.45%
+39.6% YoY -63.1% QoQ
+0.10% 0.35%
-0.9% YoY
1.04%
+5.8% YoY
0.32%
+4.1% YoY
81%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Revenue Diversifier

growth
#1 of 4 • Top 0.1% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.45%
(Tier: 0.35%, National: 0.32%)
better than tier avg
Return on Assets: 1.65%
(Tier: 1.15%, National: 1.23%)
better than tier avg
4 of 4 Titans banks match · 926 nationally
→ Stable +3 banks QoQ

Credit Quality Leader

growth
#2 of 4 • Top 25.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.56%
(Tier: 0.92%, National: 0.95%)
better than tier avg
4 of 4 Titans banks match · 922 nationally
→ Stable +2 banks QoQ

Concerns (2)

Cost Spiral

risk
#2 of 5 • Bottom 20.0% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 36.58%
(Tier: 55.89%, National: 66.95%)
better than tier avg
5 of 5 Titans banks match · 176 nationally
↑ Growing +82 banks QoQ

Liquidity Overhang

risk
#2 of 2 • Bottom 50.0% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 19.54%
(Tier: 14.00%, National: 17.06%)
better than tier avg
Loan-to-Deposit Ratio: 44.48%
(Tier: 58.65%, National: 76.70%)
better than tier avg
2 of 2 Titans banks match · 939 nationally
→ Stable +13 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 16 peers in $250B+

Top Strengths (7 metrics)

1
Return on Assets
profitability
Value: 1.65%
Peer Median: 1.15%
#1 of 16 Top 0.1% in $250B+
1
Efficiency Ratio
profitability
Value: 36.58%
Peer Median: 55.89%
#1 of 16 Top 0.1% in $250B+
1
Tier 1 Capital Ratio
capital
Value: 19.54%
Peer Median: 14.00%
#1 of 16 Top 0.1% in $250B+
3
Delinquency Rate
credit_quality
Value: 0.56%
Peer Median: 0.92%
#3 of 16 Top 12.5% in $250B+
3
Loan-to-Deposit Ratio
liquidity
Value: 44.48%
Peer Median: 58.65%
#3 of 16 Top 12.5% in $250B+
4
Nonperforming Asset Ratio
credit_quality
Value: 0.33%
Peer Median: 0.48%
#4 of 16 Top 18.8% in $250B+
4
Non-Interest Income / Assets
revenue_mix
Value: 0.45%
Peer Median: 0.35%
#4 of 16 Top 18.8% in $250B+

Top Weaknesses (4 metrics)

15
Non-Interest-Bearing Deposit Share
funding
Value: 1.20%
Peer Median: 18.60%
#15 of 16 Bottom 12.5% in $250B+
14
Total Loans
size
Value: $113.13B
Peer Median: $436.18B
#14 of 16 Bottom 18.8% in $250B+
13
Net Interest Margin
profitability
Value: 1.68%
Peer Median: 3.05%
#13 of 16 Bottom 25.0% in $250B+
13
Total Deposits
size
Value: $254.34B
Peer Median: $767.04B
#13 of 16 Bottom 25.0% in $250B+
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