Side-by-side · Q2 2026 data
American Express National Bank vs Morgan Stanley Bank, National Association
Metric by metric
| Measure | American Express National Bank | Morgan Stanley Bank, National Association |
|---|---|---|
| TellerScore | 69 | 74 (stronger) |
| Capital cushion | 38 | 54 (stronger) |
| Loan quality | 79 | 84 (stronger) |
| Earnings | 100 (stronger) | 82 |
| Funding & liquidity | 60 | 70 (stronger) |
| Problem-loan coverage | 91 | 97 (stronger) |
| Peer percentile | 94th | 97th |
| Total assets | $213.9B | $419.3B |
| Deposits / shares | $171.6B | $278.9B |
| Capital ratio | 8.84% | 10.44% (stronger) |
| Problem loans | 0.63% | 0.47% (stronger) |
| Net charge-offs | 2.41% | 0.08% (stronger) |
| Return on assets | 3.70% (stronger) | 1.56% |
| Loans ÷ deposits | 97.2% | 41.1% (stronger) |
| Uninsured deposits | 18.2% (stronger) | 42.4% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | 30,603 | — |
| Complaints per $1B deposits | 178.4 | — |
| Mortgage denial rate (HMDA) | — | — |
Morgan Stanley Bank, National Association has the higher TellerScore (74 vs 69). On the 7 directional measures above (where higher or lower is clearly better), American Express National Bank leads on 2 and Morgan Stanley Bank, National Association on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.