BlastPoint's Banking Scorecard

Morgan Stanley Private Bank, National Association

$250B+ Specialty: Other NY FDIC cert 34221

Purchase, NY

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 3 in NY.
Deposits -0.4% year over year ($211.7B on the books).
Delinquency rate 0.20%.
Return on assets 1.14%.
Efficiency ratio 24.76% vs a 52.80% peer average.
Loan-to-deposit ratio 88.29% 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 3 in NY

View $250B+ leaderboard (NY) →

Morgan Stanley Private Bank, National Association has 2 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

+ Credit Quality Leader: Top 20.0% in tier
+ Efficiency Ratio 28.03% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 0.1% in tier
- Net Interest Margin 1.13% below tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$250.4B +6.5% YoY +3.7% QoQ	-$685.9B	$936.3B -15.8% YoY	$19.3B +10.2% YoY	$6.3B +7.7% YoY	Bottom 5.6% in tier
Total Loans ?	$186.9B +19.9% YoY +5.0% QoQ	-$222.6B	$409.5B -13.1% YoY	$8.2B +12.4% YoY	$3.2B +9.4% YoY	44%
Total Deposits ?	$211.7B -0.4% YoY +2.9% QoQ	-$501.6B	$713.2B -15.8% YoY	$14.8B +8.7% YoY	$4.9B +7.3% YoY	Bottom 11.1% in tier
Return on Assets ?	1.14% +9.4% YoY -4.4% QoQ	-0.03%	1.17% +26.8% YoY	0.94% +14.0% YoY	1.30% +12.1% YoY	44%
Net Interest Margin ?	1.81% +6.3% YoY -1.5% QoQ	-1.13%	2.94% -1.8% YoY	3.52% +6.2% YoY	3.95% +4.9% YoY	28%
Efficiency Ratio ?	24.76% +4.8% YoY +7.3% QoQ	-28.03%	52.80% -5.4% YoY	67.96% -1.8% YoY	70.05% +2.5% YoY	Top 5.6% in tier
Delinquency Rate ?	0.20% -36.7% YoY -2.7% QoQ	-0.58%	0.78% -21.7% YoY	1.19% +15.7% YoY	0.98% +16.3% YoY	Top 11.1% in tier
Loan-to-Deposit Ratio ?	88.29% +20.4% YoY +2.1% QoQ	+29.25%	59.04% +5.5% YoY	79.34% +1.1% YoY	79.03% +2.3% YoY	Bottom 5.6% in tier
Non-Interest-Bearing Deposit Share ?	0.40% +82.1% YoY +0.2% QoQ	-15.90%	16.30% -11.5% YoY	22.09% +0.6% YoY	21.98% -0.6% YoY	17%
Nonperforming Asset Ratio ?	0.17% -22.6% YoY -3.6% QoQ	-0.25%	0.42% -12.7% YoY	0.79% +14.5% YoY	0.69% +15.8% YoY	83%
Tier 1 Capital Ratio ?	24.99% -2.9% YoY -7.9% QoQ	+9.79%	15.20% +5.2% YoY	23.90% +5.3% YoY	17.09% +0.8% YoY	Top 5.6% in tier
Non-Interest Income / Assets ?	0.13% +13.6% YoY +92.8% QoQ	-0.51%	0.64% -10.8% YoY	0.52% +23.2% YoY	0.66% +5.2% YoY	Bottom 11.1% in tier

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 (NY)	National Avg	Tier Percentile
Noninterest-Bearing	0.4% +0.2pp YoY 0.0pp QoQ	-15.9pp	16.3%	22.1%	22.2%	11%
Brokered Deposits	25.7% +5.4pp YoY +0.6pp QoQ	+18.7pp	7.0%	8.0%	8.5%	94%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
C&I	n/a	n/a	19.6%	11.0%	12.5%	n/a
CRE	n/a	n/a	12.2%	46.2%	41.4%	n/a
1-4 Family	40.5% -4.0pp YoY -0.8pp QoQ	+19.9pp	20.6%	36.6%	31.3%	88%
Consumer	0.3% 0.0pp YoY -0.1pp QoQ	-16.6pp	16.9%	5.1%	5.0%	7%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
CET1 Ratio	25.0% -0.8pp YoY -2.2pp QoQ	+9.8pp	15.2%	26.1%	19.7%	89%
Leverage Ratio	6.7% -0.9pp YoY -0.4pp QoQ	-2.1pp	8.8%	13.9%	12.6%	11%
Total Capital Ratio	25.6% -0.8pp YoY -2.1pp QoQ	+9.3pp	16.3%	27.2%	20.8%	89%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Full-Time Employees	1,238 -61 (-4.7%) YoY -70 (-5.4%) QoQ	-62,321	63,559	914	482	6%
Assets per Employee ($)	$202.3M +11.8% YoY +9.6% QoQ	+$141.2M	$61.1M	$14.8M	$8.8M	83%
Branch Count	1 0 YoY 0 QoQ	-1,407	1,407	27	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	0.2% -0.1pp YoY 0.0pp QoQ	-0.4pp	0.6%	1.3%	1.0%	11%
Allowance Coverage	1.01x +26.1% YoY +5.4% QoQ	-1.14x	2.14x	1.92x	20.23x	11%
Net Charge-off Rate (YTD)	0.0% 0.0pp QoQ	-0.5pp	0.5%	0.1%	0.2%	6%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
ROE	16.1% +2.4pp YoY -0.3pp QoQ	+3.6pp	12.4%	7.9%	11.6%	78%
Cost of Funds (YTD)	2.5% 0.0pp YoY 0.0pp QoQ	+0.4pp	2.2%	1.8%	1.7%	67%
Net Income ($, YTD)	$1.4B +20.1% YoY — QoQ	-$4.4B	$5.9B	$111.2M	$40.4M	11%

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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 (1)

Credit Quality Leader

growth

#2 of 5 • Top 20.0% in tier

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

Why this signature

Delinquency Rate: 0.20%

(Tier: 0.78%, National: 0.98%)

better than tier avg

5 of 5 Titans banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Liquidity Overhang

risk

#1 of 4 • Bottom 0.1% 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: 24.99%

(Tier: 15.20%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 88.29%

(Tier: 59.04%, National: 79.03%)

worse than tier avg

4 of 4 Titans banks match · 940 nationally

→ Stable +7 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).

Compare against:

Comparing against 18 peers in $250B+

Top Strengths (4 metrics)

Efficiency Ratio

profitability

Value: 24.76%

Peer Median: 52.80%

#2 of 18 Top 5.6% in $250B+

Tier 1 Capital Ratio

capital

Value: 24.99%

Peer Median: 15.20%

#2 of 18 Top 5.6% in $250B+

Delinquency Rate

credit_quality

Value: 0.20%

Peer Median: 0.78%

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

Nonperforming Asset Ratio

credit_quality

Value: 0.17%

Peer Median: 0.42%

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

Top Weaknesses (5 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 88.29%

Peer Median: 59.04%

#18 of 18 Bottom 5.6% in $250B+

Total Assets

size

Value: $250.43B

Peer Median: $936.28B

#18 of 18 Bottom 5.6% in $250B+

Non-Interest Income / Assets

revenue_mix

Value: 0.13%

Peer Median: 0.64%

#17 of 18 Bottom 11.1% in $250B+

Total Deposits

size

Value: $211.67B

Peer Median: $713.22B

#17 of 18 Bottom 11.1% in $250B+

Non-Interest-Bearing Deposit Share

funding

Value: 0.40%

Peer Median: 16.30%

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