Morgan Stanley Private Bank, National Association is a national bank headquartered in Purchase, New York, in business for about 30 years. At the end of Q2 2026 it reported $250.4B in total assets and $211.7B in deposits, with 1 office.
Based on its Q2 2026 filing, Morgan Stanley Private Bank, National Association scores 61/100, which we describe as moderate. That is higher than only 45% of 32 banks with over $100 billion. Among 121 banks headquartered in New York, it ranks 72nd. Its strongest component is problem-loan coverage (95/100; 2.4%), and its lowest is capital cushion (17/100; 6.65%).
TellerScore · Q2 2026
Scorecard
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 2 points (63 → 61), mostly because the capital cushion component weakened by 8 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 66 |
| Q4 2024 | 63 |
| Q1 2025 | 64 |
| Q2 2025 | 63 |
| Q3 2025 | 64 |
| Q4 2025 | 62 |
| Q1 2026 | 63 |
| Q2 2026 | 61 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.08% |
| Q3 2024 | 8.26% |
| Q4 2024 | 7.72% |
| Q1 2025 | 7.88% |
| Q2 2025 | 7.52% |
| Q3 2025 | 7.58% |
| Q4 2025 | 6.99% |
| Q1 2026 | 7.04% |
| Q2 2026 | 6.65% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.29% |
| Q3 2024 | 0.27% |
| Q4 2024 | 0.33% |
| Q1 2025 | 0.31% |
| Q2 2025 | 0.32% |
| Q3 2025 | 0.28% |
| Q4 2025 | 0.25% |
| Q1 2026 | 0.21% |
| Q2 2026 | 0.20% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.01% |
| Q3 2024 | 0.99% |
| Q4 2024 | 0.98% |
| Q1 2025 | 1.02% |
| Q2 2025 | 1.04% |
| Q3 2025 | 1.07% |
| Q4 2025 | 1.10% |
| Q1 2026 | 1.19% |
| Q2 2026 | 1.14% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 61 | $250.4B | 6.65% | 0.20% | 1.14% | 88.3% |
| Q1 2026 | 63 | $241.4B | 7.04% | 0.21% | 1.19% | 86.5% |
| Q4 2025 | 62 | $254.7B | 6.99% | 0.25% | 1.10% | 78.2% |
| Q3 2025 | 64 | $240.2B | 7.58% | 0.28% | 1.07% | 75.2% |
| Q2 2025 | 63 | $235.0B | 7.52% | 0.32% | 1.04% | 73.4% |
| Q1 2025 | 64 | $223.8B | 7.88% | 0.31% | 1.02% | 73.5% |
| Q4 2024 | 63 | $221.3B | 7.72% | 0.33% | 0.98% | 73.5% |
| Q3 2024 | 66 | $210.2B | 8.26% | 0.27% | 0.99% | 74.8% |
| Q2 2024 | 65 | $207.6B | 8.08% | 0.29% | 1.01% | 73.2% |
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).
Similar-size banks in New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Manufacturers and Traders Trust CompanyBank Buffalo, NY | 57 out of 100, Moderate | $218.8B | 9.5% | 1.35% | vs |
| The Bank of New York MellonBank New York, NY | 61 out of 100, Moderate | $425.1B | 6.2% | 0.04% | vs |
| Goldman Sachs Bank USABank New York, NY | 58 out of 100, Moderate | $758.8B | 7.7% | 1.04% | vs |
Deposit insurance
Is my money safe at Morgan Stanley Private Bank, National Association?
Yes. Morgan Stanley Private Bank, National Association is an FDIC-insured institution (FDIC certificate #34221). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 19.5% of deposits ($41.2B) are above the $250,000 FDIC insurance limit, below the peer median of 43%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 6.65%, slightly above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 25.58% (benchmark: 10%).
1 location
Branches
Morgan Stanley Private Bank, National Association lists 1 office in 1 city. Most locations:
- Purchase, NY (1)
HMDA 2025
Mortgage lending
In 2025, Morgan Stanley Private Bank, National Association reported 13,751 home-loan applications under HMDA (LEI 549300GS0W0TEUQS8571): 10,740 originated ($11,815,530,000 total), 580 denied, and 1,860 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.9%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Morgan Stanley Private Bank, National Association
- Former names
- Dean Witter Trust FSB; Morgan Stanley Trust; Morgan Stanley Dean Witter Trust FSB
- Type
- National bank
- FDIC certificate #
- 34221
- RSSD ID
- 2489805
- Primary regulator
- OCC
- Holding company
- Morgan Stanley
- Established
- August 12, 1996
- Headquarters
- 2000 Westchester Ave, Purchase, NY 10577
- Website
- www.etrade.com
- Employees
- 1,238
Quick answers
Morgan Stanley Private Bank, National Association: common questions
Is Morgan Stanley Private Bank, National Association FDIC insured?
Yes. Morgan Stanley Private Bank, National Association is an FDIC-insured institution (FDIC certificate #34221). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Morgan Stanley Private Bank, National Association's TellerScore?
61 out of 100 (Moderate), 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 Private Bank, National Association ever failed?
There is no failure record for FDIC certificate #34221 in the FDIC failed bank list.
How many branches does Morgan Stanley Private Bank, National Association have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Purchase
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Scf Westchester N. Y. Employees Federal Credit UnionCredit union White Plains, NY | 93 out of 100, Very strong | $1.5M | 23.8% | 0.18% | vs |
| B.S. and C.P. Hospitals Employees Federal Credit UnionCredit union Bronx, NY | 93 out of 100, Very strong | $1.0M | 34.2% | 0.00% | vs |
| Gha Federal Credit UnionCredit union Greenwich, CT | 91 out of 100, Very strong | $29.7M | 17.5% | 0.56% | vs |
| NorthEast Community BankBank White Plains, NY | 90 out of 100, Very strong | $2.1B | 17.3% | 0.00% | vs |
| Greenwich Municipal Employees Federal Credit UnionCredit union Greenwich, CT | 89 out of 100, Very strong | $32.6M | 14.5% | 0.87% | vs |
| Hana Bank USA, National AssociationBank Fort Lee, NJ | 88 out of 100, Very strong | $835.2M | 25.4% | 0.00% | vs |