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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · New York, the state note

Morgan Stanley Private Bank N.A.

Purchase, New York · $250.43B in assets · beside the 11 other New York banks over $10B

The filing

6.8%
Equity / assets
7th of 7
25.0%
Efficiency
1st of 7
0.20%
NPA / loans
4th of 12

Morgan Stanley Private Bank N.A. is the second largest of the 12 New York banks nearest its size over $10B, with $250.43B in assets at 30 June 2026. Loans are 88.5% of deposits, 8th of 12 against a median of 84.4%, and equity is 6.8% of assets, the lowest in the cohort. Loans grew +19.9% in the year, 4th of 12, and deposits fell 0.4%; the cohort's median loan growth is +8.6%.

Noncurrent loans are 0.20% of the book, 4th of 12 against a median of 0.51%; 0.12% is 30 to 89 days past due, and the allowance covers them 1.0 times. Commercial real estate is 3.7% of loans, 4th of 12 against a median of 10.6%, and 40% of capital, below the 300% screen, with construction at 0% against the 100% screen.

Return on assets is 1.13%, 4th of 7 against a median of 1.13%, on an efficiency ratio of 25.0%, the lowest in the cohort. Five years ago it was 1.08%. The question is which of these lines moves first over the next four quarters, and against which peer.

The efficiency ratioNY banks over $10B · 30 June 2026 · lower is stronger, listed first
median 58.0% MS Morgan Stanley Private Bank N.A. 25.0% MT Manufacturers & Traders Trust Co. 53.9% Bo Bank of New York Mellon 57.6% CB Community Bank National Association 58.0% DB Deutsche Bank Trust Co. Americas 63.7% AB Apple Bank 80.2% FB Flagstar Bank National Association 89.9%
Loans, year over yearNY banks over $10B · 30 June 2026 · no better direction, largest first
median +8.6% BB Banco Bilbao Vizcaya Sa +64.1% Bo Bank of New York Mellon +31.6% SC Standard Chartered Bank PLC +24.4% MS Morgan Stanley Private Bank N.A. +19.9% Bo Bank of Baroda +14.5% Bo Bank of China +9.9% CB Community Bank National Association +7.3% AB Apple Bank +6.6% MT Manufacturers & Traders Trust Co. +5.2% SB State Bank of India -1.4% DB Deutsche Bank Trust Co. Americas -3.7% FB Flagstar Bank National Association -5.0%

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 StanleyRankCohort median
Total CRE against capital, the 300% screen40%3rd of 7104%
Construction against capital, the 100% screen0%1st of 76%
Construction and land development, share of loans0.0%1st of 121.9%
Non-owner-occupied nonfarm nonresidential, share of loans2.8%1st of 79.5%
Total CRE, the guidance definition, share of loans3.7%4th of 1210.6%
CRE growth over 36 months, the third prong+4.6%6th of 10+3.6%
Commercial real estate against capital, the 300% screenNY banks over $10B · 30 June 2026 · lower is stronger, listed first
median 104% Bo Bank of New York Mellon 21% DB Deutsche Bank Trust Co. Americas 40% MS Morgan Stanley Private Bank N.A. 40% MT Manufacturers & Traders Trust Co. 104% CB Community Bank National Association 201% FB Flagstar Bank National Association 328% AB Apple Bank 436%
CRE growth over 36 months, the guidance's third prongNY banks over $10B · 30 June 2026 · lower is stronger, listed first
median +3.6% Bo Bank of China -34.3% FB Flagstar Bank National Association -32.3% MT Manufacturers & Traders Trust Co. -27.4% DB Deutsche Bank Trust Co. Americas -9.3% Bo Bank of New York Mellon +2.6% MS Morgan Stanley Private Bank N.A. +4.6% AB Apple Bank +5.4% CB Community Bank National Association +31.8% SC Standard Chartered Bank PLC +292.1% BB Banco Bilbao Vizcaya Sa +1219.6%

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
Bank of New York Mellon$425.12B1.6%57.6%0.04%-0.05%0.4%12.5%6.9%
Morgan Stanley Private Bank N.A.$250.43B1.1%25.0%0.20%0.01%0.2%88.5%6.8%
Manufacturers & Traders Trust Co.$218.79B1.4%53.9%1.35%0.26%1.5%83.2%12.9%
Flagstar Bank National Association$87.71B0.1%89.9%4.97%0.58%1.4%90.6%9.3%
Standard Chartered Bank PLC$69.15Bno recordno record0.60%no recordno record52.6%no record
Banco Bilbao Vizcaya Sa$58.37Bno recordno record0.51%no recordno record201.3%no record
Bank of China$48.52Bno recordno record1.63%no recordno record71.1%no record
Deutsche Bank Trust Co. Americas$40.53B1.0%63.7%0.92%0.00%0.2%55.1%24.5%
State Bank of India$22.51Bno recordno record0.00%no recordno record107.5%no record
Apple Bank$19.89B0.4%80.2%0.44%0.04%0.4%85.6%8.1%
Community Bank National Association$17.45B1.2%58.0%0.50%0.11%0.8%75.9%9.6%
Bank of Baroda$16.24Bno recordno record0.00%no recordno record104.7%no record
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Morgan StanleyCohort median
20212026Change20212026Change
Loans$95.99B$187.26B+95%$13.15B$23.71B+80%
Deposits$108.79B$211.67B+95%$24.55B$26.41B+8%
NPA / loans0.29%0.20%-0.08 pts0.45%0.51%+0.06 pts
Efficiency24.6%25.0%+0.3 pts59.8%58.0%-1.8 pts
ROA1.08%1.13%+0.05 pts1.08%1.13%+0.05 pts

This read was prepared for Morgan Stanley Private 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 Private 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 NY banks over $10B
Institution www.etrade.com

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.
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