BlastPoint's Banking Scorecard

Morgan Stanley Bank, National Association

$250B+ Specialty: Other UT FDIC cert 32992

Salt Lake City, UT

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 18 banks in the $250B+ peer group nationwide — 1 of 1 in UT.
Deposits +44.6% year over year ($278.9B on the books).
Delinquency rate 0.48%.
Return on assets 1.56%.
Efficiency ratio 36.83% vs a 52.80% peer average.
Loan-to-deposit ratio 41.05% vs a 59.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

18 banks in the $250B+ peer group nationally 1 in UT

View $250B+ leaderboard (UT) →

Morgan Stanley Bank, National Association has 3 strengths but faces 2 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

+ ROA 0.38% above tier average
+ Efficiency Ratio 15.96% below tier average
+ Delinquency Rate 0.31% below tier average

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 0.1% in tier
- Net Interest Margin 1.41% below tier average

Get updates when Morgan Stanley Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Total Assets ?	$419.3B +75.3% YoY +7.2% QoQ	-$517.0B	$936.3B -15.8% YoY	$31.1B +21.2% YoY	$6.3B +7.7% YoY	44%
Total Loans ?	$114.5B +20.9% YoY +1.2% QoQ	-$295.0B	$409.5B -13.1% YoY	$18.5B +10.6% YoY	$3.2B +9.4% YoY	22%
Total Deposits ?	$278.9B +44.6% YoY +9.7% QoQ	-$434.3B	$713.2B -15.8% YoY	$23.9B +15.2% YoY	$4.9B +7.3% YoY	39%
Return on Assets ?	1.56% -19.9% YoY -5.3% QoQ	+0.38%	1.17% +26.8% YoY	2.15% +9.7% YoY	1.30% +12.1% YoY	Top 11.1% in tier
Net Interest Margin ?	1.53% -23.5% YoY -9.0% QoQ	-1.41%	2.94% -1.8% YoY	7.81% +8.6% YoY	3.95% +4.9% YoY	17%
Efficiency Ratio ?	36.83% +103.2% YoY +0.7% QoQ	-15.96%	52.80% -5.4% YoY	105.46% +37.7% YoY	70.05% +2.5% YoY	Top 11.1% in tier
Delinquency Rate ?	0.48% -44.2% YoY -15.2% QoQ	-0.31%	0.78% -21.7% YoY	1.38% +2.5% YoY	0.98% +16.3% YoY	83%
Loan-to-Deposit Ratio ?	41.05% -16.4% YoY -7.7% QoQ	-17.99%	59.04% +5.5% YoY	83.52% +2.9% YoY	79.03% +2.3% YoY	83%
Non-Interest-Bearing Deposit Share ?	0.84% -10.4% YoY -29.6% QoQ	-15.46%	16.30% -11.5% YoY	17.78% -2.6% YoY	21.98% -0.6% YoY	22%
Nonperforming Asset Ratio ?	0.28% -28.2% YoY -16.3% QoQ	-0.14%	0.42% -12.7% YoY	0.92% +4.0% YoY	0.69% +15.8% YoY	72%
Tier 1 Capital Ratio ?	18.25% -10.9% YoY -6.6% QoQ	+3.04%	15.20% +5.2% YoY	21.39% +2.0% YoY	17.09% +0.8% YoY	Top 11.1% in tier
Non-Interest Income / Assets ?	0.84% +27.8% YoY +87.3% QoQ	+0.20%	0.64% -10.8% YoY	2.21% +5.7% YoY	0.66% +5.2% YoY	72%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Noninterest-Bearing	0.8% -0.1pp YoY -0.4pp QoQ	-15.5pp	16.3%	20.1%	22.2%	17%
Brokered Deposits	22.4% -3.9pp YoY -1.0pp QoQ	+15.4pp	7.0%	28.6%	8.5%	89%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
C&I	7.1% +3.3pp YoY -4.1pp QoQ	-12.4pp	19.6%	25.0%	12.5%	12%
CRE	8.3% -1.1pp YoY +0.4pp QoQ	-4.0pp	12.2%	44.1%	41.4%	27%
1-4 Family	3.0% +0.6pp YoY -0.2pp QoQ	-17.6pp	20.6%	13.8%	31.3%	6%
Consumer	n/a	n/a	16.9%	45.8%	5.0%	n/a

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
CET1 Ratio	18.2% -2.2pp YoY -1.3pp QoQ	+3.1pp	15.2%	25.0%	19.7%	83%
Leverage Ratio	10.4% +0.1pp YoY -0.6pp QoQ	+1.7pp	8.8%	15.7%	12.6%	78%
Total Capital Ratio	18.7% -2.6pp YoY -1.3pp QoQ	+2.4pp	16.3%	26.3%	20.8%	83%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Full-Time Employees	1,282 +1014 (+378.4%) YoY -29 (-2.2%) QoQ	-62,277	63,559	1,029	482	11%
Assets per Employee ($)	$327.1M -63.4% YoY +9.6% QoQ	+$266.0M	$61.1M	$39.6M	$8.8M	94%
Branch Count	1 0 YoY 0 QoQ	-1,407	1,407	13	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.6%	0.4%	n/a
Nonaccrual	1.0% +0.1pp YoY -0.1pp QoQ	+0.4pp	0.6%	1.2%	1.0%	94%
Allowance Coverage	1.13x +45.2% YoY +14.7% QoQ	-1.01x	2.14x	7.86x	20.23x	17%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY 0.0pp QoQ	-0.4pp	0.5%	3.6%	0.2%	12%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
ROE	15.3% -4.2pp YoY -0.4pp QoQ	+2.9pp	12.4%	15.9%	11.6%	72%
Cost of Funds (YTD)	3.2% +0.4pp YoY -0.1pp QoQ	+1.1pp	2.2%	2.3%	1.7%	83%
Net Income ($, YTD)	$2.8B +21.0% YoY — QoQ	-$3.1B	$5.9B	$307.8M	$40.4M	39%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (0)

No matched strength signatures this quarter

Concerns (1)

Cost Spiral

risk

#1 of 3 • Bottom 0.1% 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: 36.83%

(Tier: 52.80%, National: 70.05%)

better than tier avg

3 of 3 Titans banks match · 184 nationally

→ Stable +9 banks QoQ

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).

Compare against:

Comparing against 18 peers in $250B+

Top Strengths (5 metrics)

Return on Assets

profitability

Value: 1.56%

Peer Median: 1.17%

#3 of 18 Top 11.1% in $250B+

Efficiency Ratio

profitability

Value: 36.83%

Peer Median: 52.80%

#3 of 18 Top 11.1% in $250B+

Tier 1 Capital Ratio

capital

Value: 18.25%

Peer Median: 15.20%

#3 of 18 Top 11.1% in $250B+

Delinquency Rate

credit_quality

Value: 0.48%

Peer Median: 0.78%

#4 of 18 Top 16.7% in $250B+

Loan-to-Deposit Ratio

liquidity

Value: 41.05%

Peer Median: 59.04%

#4 of 18 Top 16.7% in $250B+

Top Weaknesses (3 metrics)

Net Interest Margin

profitability

Value: 1.53%

Peer Median: 2.94%

#16 of 18 Bottom 16.7% in $250B+

Non-Interest-Bearing Deposit Share

funding

Value: 0.84%

Peer Median: 16.30%

#15 of 18 Bottom 22.2% in $250B+

Total Loans

size

Value: $114.51B

Peer Median: $409.50B

#15 of 18 Bottom 22.2% in $250B+