← The catalogue
Q2 2026 · read from the 30 June 2026 Call Report · United States · Mountain West · Utah, the state note

Morgan Stanley Bank N.A.

Salt Lake City, Utah · $419.32B in assets · beside the 11 other Utah banks over $10B

The filing

41.3%
Loans / deposits
1st of 12
1.1x
Coverage of noncurrent
11th of 12
8.0%
CRE / loans
10th of 12

Morgan Stanley Bank N.A. is the largest of the 12 Utah banks nearest its size over $10B, with $419.32B in assets at 30 June 2026. Loans are 41.3% of deposits, the lowest in the cohort against a median of 95.9%, and equity is 9.7% of assets, 8th of 12. Loans grew +20.7% in the year, 3rd of 12, and deposits grew 44.6%; the cohort's median loan growth is +8.2%.

Noncurrent loans are 0.47% of the book, 6th of 12 against a median of 0.55%; 0.08% is 30 to 89 days past due, and the allowance covers them 1.1 times. Commercial real estate is 8.0% of loans, 10th of 12 against a median of 0.9%, and 22% of capital, below the 300% screen, with construction at 1% against the 100% screen.

Return on assets is 1.40%, 10th of 12 against a median of 1.84%, on an efficiency ratio of 36.8%, 5th of 12. Five years ago it was 1.53%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Loans as a share of depositsUT banks over $10B · 30 June 2026 · lower is stronger, listed first
median 95.9% MS Morgan Stanley Bank N.A. 41.3% OB Optum Bank Inc 60.2% HB Happen Bank National Association 64.9% ZB Zions Bcorp N A 81.7% UB UBS Bank USA National Association 85.1% AB Ally Bank 91.9% SB Sofi Bank National Association 99.9% AE American Express National Bank 100.5% SM Sallie Mae Bank 103.9% CC Comenity Capital Bank 107.2% BB BMW Bank of North America 107.5% SB Synchrony Bank 114.9%
Loans, year over yearUT banks over $10B · 30 June 2026 · no better direction, largest first
median +8.2% SB Sofi Bank National Association +54.1% OB Optum Bank Inc +25.3% MS Morgan Stanley Bank N.A. +20.7% HB Happen Bank National Association +16.9% BB BMW Bank of North America +8.6% CC Comenity Capital Bank +8.3% AB Ally Bank +8.0% AE American Express National Bank +7.2% UB UBS Bank USA National Association +6.9% SB Synchrony Bank +2.7% ZB Zions Bcorp N A +2.5% SM Sallie Mae Bank -7.0%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Morgan Stanley Bank N.A.RankCohort median
Total CRE against capital, the 300% screen22%10th of 128%
Construction against capital, the 100% screen1%8th of 120%
Construction and land development, share of loans0.2%8th of 120.0%
Non-owner-occupied nonfarm nonresidential, share of loans7.2%10th of 120.7%
Total CRE, the guidance definition, share of loans8.0%10th of 120.9%
CRE growth over 36 months, the third prong-2.2%5th of 10+0.5%
Commercial real estate against capital, the 300% screenUT banks over $10B · 30 June 2026 · lower is stronger, listed first
median 8% AE American Express National Bank 0% SM Sallie Mae Bank 0% CC Comenity Capital Bank 0% SB Synchrony Bank 0% BB BMW Bank of North America 1% SB Sofi Bank National Association 2% UB UBS Bank USA National Association 14% HB Happen Bank National Association 16% AB Ally Bank 17% MS Morgan Stanley Bank N.A. 22% ZB Zions Bcorp N A 152% OB Optum Bank Inc 221%
CRE growth over 36 months, the guidance's third prongUT banks over $10B · 30 June 2026 · lower is stronger, listed first
median +0.5% SM Sallie Mae Bank -100.0% SB Synchrony Bank -85.0% UB UBS Bank USA National Association -30.7% HB Happen Bank National Association -6.2% MS Morgan Stanley Bank N.A. -2.2% ZB Zions Bcorp N A +3.1% BB BMW Bank of North America +31.1% SB Sofi Bank National Association +77.1% OB Optum Bank Inc +92.0% AB Ally Bank +115.7%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Morgan Stanley Bank N.A.$419.32B1.4%36.8%0.47%0.08%0.5%41.3%9.7%
American Express National Bank$213.95B3.7%71.8%0.63%2.39%3.3%100.5%9.0%
Ally Bank$188.18B1.2%49.0%0.85%1.13%2.5%91.9%8.3%
UBS Bank USA National Association$124.44B1.1%26.3%0.12%-0.01%0.1%85.1%7.6%
Synchrony Bank$115.22B2.8%36.8%2.04%5.38%10.2%114.9%12.9%
Zions Bcorp N A$89.04B1.5%62.8%0.47%0.04%1.1%81.7%8.6%
Sofi Bank National Association$56.82B1.9%67.3%0.08%0.07%0.1%99.9%12.8%
Sallie Mae Bank$28.54B2.8%33.0%0.65%1.91%6.4%103.9%10.2%
Optum Bank Inc$21.43B2.5%29.2%0.21%0.22%0.9%60.2%14.8%
Comenity Capital Bank$13.86B1.7%56.2%3.21%7.47%11.4%107.2%13.0%
BMW Bank of North America$13.80B2.2%17.1%0.09%0.19%0.5%107.5%12.8%
Happen Bank National Association$12.48B1.8%74.4%0.82%2.07%2.7%64.9%11.5%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Morgan Stanley Bank N.A.Cohort median
20212026Change20212026Change
Loans$67.63B$115.12B+70%$36.38B$54.64B+50%
Deposits$152.21B$278.94B+83%$41.62B$61.70B+48%
NPA / loans0.76%0.47%-0.29 pts0.64%0.55%-0.09 pts
Efficiency18.3%36.8%+18.5 pts40.3%42.9%+2.6 pts
ROA1.53%1.40%-0.13 pts1.88%1.84%-0.04 pts

This read was prepared for Morgan Stanley Bank N.A.'s board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Morgan Stanley Bank N.A. is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort UT banks over $10B

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
← Back to the catalogue