TellerScore

Morgan Stanley Bank, National Association (FDIC certificate #32992) is based in Salt Lake City, Utah. Its Q2 2026 call report shows $419.3B in total assets and $278.9B in deposits and 1 office.

Morgan Stanley Bank, National Association has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 97% of its 32 banks with over $100 billion. Among 45 banks headquartered in Utah, it ranks 22nd. Problem-loan coverage contributes the most (97/100, 1.3%); capital cushion contributes the least (54/100, 10.44%).

TellerScore · Q2 2026

Scorecard

Capital cushion54/100
Tier 1 leverage ratio: 10.44%
Loan quality84/100
Noncurrent loans ÷ total loans: 0.47%
Earnings82/100
Return on assets (annualized): 1.56%
Funding & liquidity70/100
Loans ÷ deposits and uninsured-deposit share: 41.1% · 42.4% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.35%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 4 points (78 → 74), mostly because the funding & liquidity component weakened by 26 points.

TellerScore
747881Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202481
Q3 202481
Q4 202477
Q1 202578
Q2 202578
Q3 202579
Q4 202578
Q1 202677
Q2 202674
Tier 1 leverage ratio
5.00%8.17%11.34%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.17%
Q3 202411.34%
Q4 20249.74%
Q1 202510.08%
Q2 202510.36%
Q3 202510.51%
Q4 202510.09%
Q1 202611.04%
Q2 202610.44%
Noncurrent loans
0.47%0.66%0.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.76%
Q3 20240.85%
Q4 20240.62%
Q1 20250.66%
Q2 20250.85%
Q3 20250.69%
Q4 20250.62%
Q1 20260.56%
Q2 20260.47%
Return on assets
1.56%1.95%2.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.34%
Q3 20242.21%
Q4 20242.16%
Q1 20251.92%
Q2 20251.95%
Q3 20251.88%
Q4 20251.86%
Q1 20261.65%
Q2 20261.56%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$419.3B10.44%0.47%1.56%41.1%
Q1 202677$391.3B11.04%0.56%1.65%44.5%
Q4 202578$253.3B10.09%0.62%1.86%49.4%
Q3 202579$249.7B10.51%0.69%1.88%50.2%
Q2 202578$239.2B10.36%0.85%1.95%49.1%
Q1 202578$234.5B10.08%0.66%1.92%49.7%
Q4 202477$230.7B9.74%0.62%2.16%45.1%
Q3 202481$224.9B11.34%0.85%2.21%45.1%
Q2 202481$211.5B11.17%0.76%2.34%47.8%

32 peers · Over $100 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.44%
84th
Total risk-based capital18.71%
84th
Problem loans0.47%
84th
Net charge-offs0.08%
84th
Return on assets1.56%
87th
Net interest margin1.53%
6th
Efficiency ratio36.8%
87th
Loans to deposits41.1%
84th
Uninsured deposits42.4%
55th
Loan-loss reserves0.54%
19th
Texas ratio1.3%
84th

Similar-size banks in Utah

InstitutionScoreAssetsCapitalProblem loansCompare
American Express National BankBank Sandy, UT69 out of 100, Moderate$213.9B8.8%0.63%vs
Ally BankBank Sandy, UT65 out of 100, Moderate$188.2B9.6%0.85%vs
UBS Bank USA, National AssociationBank Salt Lake City, UT64 out of 100, Moderate$124.4B8.1%0.12%vs
Synchrony BankBank Draper, UT68 out of 100, Moderate$115.2B12.6%2.04%vs

Deposit insurance

Is my money safe at Morgan Stanley Bank, National Association?

Yes. Morgan Stanley Bank, National Association is an FDIC-insured institution (FDIC certificate #32992). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 42.4% of deposits ($118.1B) are above the $250,000 FDIC insurance limit, close to the peer median of 43%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.44%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.71% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Morgan Stanley Bank, National Association lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Morgan Stanley Bank, National Association
Former names
Mountainwest Financial; MountainWest Financial Corporation; Morgan Stanley Dean Witter Bank, Inc; Morgan Stanley Bank; Morgan Stanley Dean Witter Bank, Inc.
Type
National bank
FDIC certificate #
32992
RSSD ID
1456501
Primary regulator
OCC
Holding company
Morgan Stanley
Established
May 25, 1990
Headquarters
201 S Main St, Salt Lake City, UT 84111
Employees
1,282

Quick answers

Morgan Stanley Bank, National Association: common questions

Is Morgan Stanley Bank, National Association FDIC insured?

Yes. Morgan Stanley Bank, National Association is an FDIC-insured institution (FDIC certificate #32992). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Morgan Stanley Bank, National Association's TellerScore?

74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Morgan Stanley Bank, National Association ever failed?

There is no failure record for FDIC certificate #32992 in the FDIC failed bank list.

How many branches does Morgan Stanley Bank, National Association have?

1 office as of the latest FDIC data.

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