Morgan Stanley Bank, National Association
Salt Lake City, Utah, Salt Lake County
$419B in total assets, the 11th largest of 4,309 US banks and 1st of 45 headquartered in Utah.
- FDIC certificate
- 32992
- Established
- 1990
- Owned by
- Morgan Stanley
- Primary regulator
- OCC
At a glance
Compared with 31 US banks with over $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $419B | 68% | $251B | |
| Loans | $115B | 39% | $149B | |
| Deposits | $279B | 64% | $212B | |
| Return on assets | 1.60% | 90% | 1.20% | |
| Net interest margin | 1.53% | 6% | 3.14% | |
| Efficiency ratio | 36.8% | 13% | 54.8% | |
| Equity to assets | 9.69% | 48% | 9.76% | |
| Loans to deposits | 41% | 16% | 74% |
Growth
Total assets grew 19.4% a year over the last 5 years and 12.0% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| May 1990 | Mountainwest Savings and Loan Association, A Federal Savings and Loan As Odgen, UT | $154M |
Where they operate
1 branch in 1 county.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Salt Lake County, UT | $269B | 22.9% | 1 of 57 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
No change since 2016. The bank has operated 1 branch throughout, with none opened, acquired, closed or sold.
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 7% | 7% | |
| Business (C&I) | 7% | 18% | |
| 1-4 family residential | 3% | 19% | |
| Multifamily | 1% | 3% | |
| Construction and land | 0% | 2% | |
| Consumer | 0% | 21% | |
| Other | 82% | 30% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 79% | 71% | |
| Time deposits | 20% | 13% | |
| Noninterest-bearing | 1% | 16% |
Brokered deposits are 22.4% of deposits (peers 6.6%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.00% | 0.86% |
| Net charge-offs, annualized | 0.08% | 0.37% |
| Reserves to loans | 0.54% | 1.49% |
| Leverage ratio | 10.44% | 9.39% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Utah
Largest competitors in Salt Lake County, UT
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/morgan-stanley