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Morgan Stanley Bank, National Association
Salt Lake City, UT · FDIC Certificate #32992 · Chartered 05/2
Total assets
$419.32B
Total deposits
$278.94B
Total equity
$40.63B
Net loans
$114.51B
Branches (offices)
1
Net income (YTD)
$2.76B
Rank: #11 of 4,213 U.S. banks by assets · #1 of 44 in Utah. Assets changed 75.3% and deposits 44.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.56% |
| Return on equity | 15.33% |
| Net interest margin (YTD) | 1.53% |
| Equity to assets | 9.69% |
| Tier 1 leverage ratio | 10.44% |
| Uninsured deposits (share of deposits) | 42.4% |
| Noncurrent loans (share of loans) | 0.47% |
| Net charge-offs (share of loans) | 0.08% |
| Loans to deposits | 41.1% |
| Real estate loans (share of loans) | 11.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $12.94B | 11.3% | |
| Commercial & industrial | $8.16B | 7.1% | |
| Consumer / individual | $0 | 0.0% | |
| Construction & development | $259.00M | 0.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $191.34B | $169.57B | $1.60B | $18.57B |
| Jun 2023 | $202.54B | $175.79B | $2.47B | $20.50B |
| Jun 2024 | $211.52B | $172.20B | $2.47B | $23.23B |
| Jun 2025 | $239.25B | $192.90B | $2.28B | $24.65B |
| Jun 2026 | $419.32B | $278.94B | $2.76B | $40.63B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Utah | $268.75B | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $268.75B.
Similar-sized banks
The Bank Of New York Mellon ($425.12B) · State Street Bank And Trust Company ($412.62B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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