# MORGAN STANLEY BANK NA
SALT LAKE CITY, UT · FDIC certificate 32992 · asset band >$100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *lender to lenders*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $419.32B | |
| Deposits | $278.94B | |
| Loans and leases | $115.12B | |
| Total equity | $40.63B | |
| Loans / deposits | 41.05% (p19 of band) | 72.53% |
| Liquid assets / assets | 48.77% (p84 of band) | |
| Uninsured deposits / deposits | 42.35% (p47 of band) | 42.66% |
| Brokered deposits | 14.92% | |
| Wholesale funding | 27.77% (p94 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.44% (p84 of band) | 9.44% |
| Unrealized securities loss / equity | -9.96% (p53 of band) | -9.97% |
| AOCI / equity | -1.39% (p12 of band) | |
| ROA (annualized) | 1.56% (p88 of band) | 1.18% |
| Net interest margin | 1.53% (p9 of band) | 3.14% |
| Efficiency ratio | 36.83% (p16 of band) | |
| Noncurrent loans | 0.47% (p19 of band) | 0.85% |
| Net charge-offs (annualized) | 0.02% (p22 of band) | |
| Reserve coverage of noncurrent | 113.03% | |
| Real estate % of loans | 11% | |
| Construction % of loans | 0.64% (p28 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $83.29B (205% of equity) (p97 of band) | |
| Deposits YoY | 44.6% | |
| Employees | 1282 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **NIM <2.5%** (`earn_nim`)
- **loans-to-lenders >50% equity** (`conc_warehouse`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | brokered >10%, wholesale funding >15%, NIM <2.5%, reserve under noncurrent |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 5 | capital falling |  |
| 2011-12 | 4 |  | capital falling |
| 2012-03 | 3 |  | reserve under noncurrent |
| 2012-06 | 3 |  |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 4 | capital falling |  |
| 2013-03 | 4 |  |  |
| 2013-06 | 3 |  | capital falling |
| 2013-09 | 4 | reserve under noncurrent |  |
| 2013-12 | 4 | capital falling | reserve under noncurrent |
| 2014-03 | 4 |  |  |
| 2014-06 | 4 | loans-to-lenders >50% equity | capital falling |
| 2014-09 | 4 |  |  |
| 2014-12 | 5 | capital falling |  |
| 2015-03 | 5 |  |  |
| 2015-06 | 5 |  |  |
| 2015-09 | 4 |  | capital falling |
| 2015-12 | 4 |  |  |
| 2016-03 | 3 | reserve under noncurrent | brokered >10%, wholesale funding >15% |
| 2016-06 | 3 |  |  |
| 2016-09 | 4 | uninsured deposits leaving |  |
| 2016-12 | 5 | deposits shrinking |  |
| 2017-03 | 6 | assets shrinking |  |
| 2017-06 | 6 |  |  |
| 2017-09 | 3 |  | uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2017-12 | 4 | brokered >10% |  |
| 2018-03 | 3 | wholesale funding >15% | NIM <2.5%, reserve under noncurrent |
| 2018-06 | 5 | capital falling, NIM <2.5% |  |
| 2018-09 | 5 |  |  |
| 2018-12 | 5 |  |  |
| 2019-03 | 5 | reserve under noncurrent | capital falling |
| 2019-06 | 5 |  |  |
| 2019-09 | 5 |  |  |
| 2019-12 | 5 |  |  |
| 2020-03 | 6 | capital falling |  |
| 2020-06 | 6 |  |  |
| 2020-09 | 5 |  | capital falling |
| 2020-12 | 4 |  | reserve under noncurrent |
| 2021-03 | 5 | capital falling |  |
| 2021-06 | 5 | reserve under noncurrent | capital falling |
| 2021-09 | 3 |  | brokered >10%, wholesale funding >15% |
| 2021-12 | 3 |  |  |
| 2022-03 | 2 |  | reserve under noncurrent |
| 2022-06 | 3 | reserve under noncurrent |  |
| 2022-09 | 3 | securities losses >30% of equity | reserve under noncurrent |
| 2022-12 | 5 | brokered >10%, uninsured deposits leaving |  |
| 2023-03 | 4 | wholesale funding >15% | NIM <2.5%, securities losses >30% of equity |
| 2023-06 | 5 | securities losses >30% of equity |  |
| 2023-09 | 5 |  |  |
| 2023-12 | 4 |  | securities losses >30% of equity |
| 2024-03 | 5 | NIM <2.5% |  |
| 2024-06 | 3 |  | uninsured deposits leaving, NIM <2.5% |
| 2024-09 | 5 | NIM <2.5%, reserve under noncurrent |  |
| 2024-12 | 4 |  | reserve under noncurrent |
| 2025-03 | 5 | reserve under noncurrent |  |
| 2025-06 | 5 |  |  |
| 2025-09 | 5 |  |  |
| 2025-12 | 5 |  |  |
| 2026-03 | 5 |  |  |
| 2026-06 | 4 |  | reserve under noncurrent |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-30 [BANK HOLDING COMPANIES—Fed, OCC exempt internal corporate reorganization from FRA Section 23A - vitallaw.com](https://news.google.com/rss/articles/CBMi8gFBVV95cUxQTjQ0eFdJTVpoekpfSWUyZ1VpZ195OVRrOU51dmVzckV1TFF0UGt3bEpDemllZ2l0bHJuUkl0UlhrU1hOaGFMdXkyNWNOeHBKOEFaLUVyS0xqVWlDN2ZtcnYtN243a0tST255SktIdXpkazFEYVExQWpHQ2NxNV9sWURvVTNocmZrNTlXcVlLR3lPdkR5UG9yMGNuamNsNDF5SWNkVGd3clVzbHJodjNBYXZVS2R6aldCTXhUbEdRb2czU0kySFg2U0o3QjJPMnpyWE5iaVd0Z1NpYXd6Z3FuelppdU9FcDRlYUpGalB2VUZuQQ?oc=5) · vitallaw.com
- 2023-10-02 [Morgan Stanley Bank NA Receives Outstanding OCC Rating - Morgan Stanley](https://news.google.com/rss/articles/CBMinAFBVV95cUxOc2lWQVgtbnZzM3doSW41MXU5Y1BDWDZ3Y0lRNmQyVEVkN3FSMGZjc2lPRHgxVWY4S0Ezdy1ManN0ODM4V2VGWTRRczNiQkwzQjZkNXN4SlB6ZlYtWW8zM2ZfSGxKcVptQTUxaklHVlh4d0dqSFNMX1k5YkM4Zk1meWlJMVZFc2xJMVE0SV9idXlSUUxITlFZWmJZLTY?oc=5) · Morgan Stanley
- 2026-02-17 [These Are The 15 Largest Banks In The US - Bankrate](https://news.google.com/rss/articles/CBMiakFVX3lxTE5fcnd0NVBTTnZlemVrSDBaMUQtZVhrS09SM3VvMlJzcWx3cEJMZFFhZHR5TjdUaW5uR0J4WEIza0FDeHJwRFN3WVpCcENqc1VNRGRUbjdkajJuYy1TZ1JJNGxQVFlTeTJvcFE?oc=5) · Bankrate
- 2023-02-15 ["Quantitative Tightening" and the U.S. Banking System - The Overshoot | Matthew C. Klein](https://news.google.com/rss/articles/CBMibEFVX3lxTE8zLU9pYi1hSmFfaEY1eks1elVneFFaRG1YTUItMnlxY2RUeUQtYTZDdnNleVV5MWIwSjNlMEx2OEJTUDg1OUJkUm9qa3VZWW5MaUNDMUo2clFEbTZCWGlkQ25URHYzeUc2V1JUYg?oc=5) · The Overshoot | Matthew C. Klein
- 2026-05-15 [Deeds of trust for May 15 - News-Press NOW](https://news.google.com/rss/articles/CBMixgFBVV95cUxNc0EtSkdzcGFPcmI5NzBnb1RHTkJOTS1MMnBibGRicFRvUzFGZTdkMFNLUDNFR1JmRWN2S0h2MmNMa0kxckpWVndfM2tEamZnelNNdW5lZmVVZ3N0akgxZzFWY3EwUHJwdFBXSUFNOUh5Z0lHNXVQR3FvUGxJcF96d0xyc05FMWN3eldFQUsxQlBkd0lpZlVIa2RiVXo4TEEwVEJ0S2dpUUJteWR4cWRseG9xVEx6M1ZxSEk4TkFOTFRzN2U4aHc?oc=5) · News-Press NOW
- 2016-10-11 [Utah: A Banking Giant - Utah Policy](https://news.google.com/rss/articles/CBMiaEFVX3lxTE5DVmpXVWIzdXYzS05DVFFCSlh3cUFnbElwWkJrTmlVY1NwUnZQbGZVX0o0QXpkSGtSYlU3bjlHZTVjZnlMVU1wdzllXzA4NERMaHlEY1VnVTZvMVFzNllfWlVobTNOYlF2?oc=5) · Utah Policy
- 2021-03-23 [FBI property sold, Top Golf coming to Farragut - Knox TN Today](https://news.google.com/rss/articles/CBMif0FVX3lxTE03aV9nX0RHczM2R3B2OVdBbVprU204eHRtUldPT3ZWaUdwaDhtLXhMTUZkWlA4VHVjMENnTFZLN0RndEtkSnlOaEd5dWhDMnlJVlRIcXhPa2FwUjQteVMtSnphNjlEZkVPbXZhakppNG9aUldJSFFiVk1LM3I5RDQ?oc=5) · Knox TN Today
- 2025-07-01 [103 Largest Lenders in the U.S. - BadCredit.org](https://news.google.com/rss/articles/CBMibEFVX3lxTE5nazBHajJmVmlMVVI0XzhfdmRsblBIdk9CQkwxeVV3YW5rODAtUEFld3ZSLUJRY0pqRXlUUGQzbW5ZZkFONkh6STFvSm1jOE0zQXJlVVota3FjeWczS0RhVHhfZ0NrLS1OX2doX9IBckFVX3lxTFAwbENXMS1NR0IxTmlOeU9SLUg2M1FDNksxSnRXclFVWXBiRkI0eWM5cTJhdHl0VjF5Y1pjN0Y5b3QzOE5zV3V1WlVjd19xRUM5MXMyTFlTUHJobzZjNXZub1FiN01iNnpMa1lYQXpfbXl0UQ?oc=5) · BadCredit.org

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32992 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/32.json (key "32992", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide