BlastPoint's Banking Scorecard
Morgan Stanley Bank, National Association
Titans
Specialty: Other
UT
FDIC cert 32992
Salt Lake City, UT
16
banks in Titans tier nationally
1 in UT
View Titans leaderboard (UT) →
Morgan Stanley Bank, National Association shows strong momentum with 2 strengths and 9.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.75% above tier
- + Efficiency Ratio 35.87% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$253.3B
+9.8% YoY
+1.5% QoQ
|
-$699.0B |
$952.4B
-3.6% YoY
|
$27.8B
+4.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 12% in tier |
| Total Loans ? |
$101.3B
+20.0% YoY
+0.1% QoQ
|
-$317.2B |
$418.5B
-0.2% YoY
|
$18.4B
+5.7% YoY
|
$3.1B
+8.5% YoY
|
25% |
| Total Deposits ? |
$205.1B
+9.6% YoY
+1.8% QoQ
|
-$534.7B |
$739.8B
-3.8% YoY
|
$22.6B
+4.5% YoY
|
$4.7B
+6.3% YoY
|
Bottom 12% in tier |
| Return on Assets ? |
1.86%
-13.9% YoY
-1.1% QoQ
|
+0.75% |
1.11%
+7.2% YoY
|
1.81%
-9.1% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
1.93%
-19.2% YoY
-2.1% QoQ
|
-0.54% |
2.47%
+1.2% YoY
|
5.42%
-7.6% YoY
|
3.75%
+7.1% YoY
|
31% |
| Efficiency Ratio ? |
19.99%
+24.8% YoY
+2.8% QoQ
|
-35.87% |
55.86%
+1.9% YoY
|
52.17%
+2.9% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
0.62%
-0.9% YoY
-10.2% QoQ
|
-0.24% |
0.86%
-12.4% YoY
|
1.05%
-14.1% YoY
|
0.66%
+20.3% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
49.39%
+9.5% YoY
-1.6% QoQ
|
-6.29% |
55.68%
+5.4% YoY
|
84.36%
-0.6% YoY
|
78.04%
+0.7% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
1.07%
+30.0% YoY
+1.5% QoQ
|
-13.72% |
14.80%
-14.8% YoY
|
13.04%
-1.8% YoY
|
21.79%
-1.3% YoY
|
25% |
| Nonperforming Asset Ratio ? |
0.34%
+9.9% YoY
-11.3% QoQ
|
-0.10% |
0.44%
-9.5% YoY
|
0.58%
-21.1% YoY
|
0.48%
+20.8% YoY
|
69% |
| Tier 1 Capital Ratio ? |
20.29%
+0.9% YoY
+2.6% QoQ
|
+4.77% |
15.52%
+8.4% YoY
|
9.83%
-1.9% YoY
|
9.75%
-1.9% YoY
|
Top 12% in tier |
| Non-Interest Income / Assets ? |
1.21%
+13.2% YoY
+34.9% QoQ
|
-0.04% |
1.25%
-5.5% YoY
|
1.76%
-7.5% YoY
|
0.65%
+0.6% YoY
|
56% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 1%
in Titans
Why this stands out
Current:
1.86%
(Tier avg: 1.11%, National avg: 1.12%)
Efficiency Ratio
metric
Top 1%
in Titans
Why this stands out
Current:
19.99%
(Tier avg: 55.86%, National avg: 65.09%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Return on Assets
Current: 1.86% · Tier avg: 1.11%
100
100th pctile
Efficiency Ratio
Current: 19.99% · Tier avg: 55.86%
88
88th pctile
Tier 1 Capital Ratio
Current: 20.29% · Tier avg: 15.52%
75
75th pctile
Delinquency Rate
Current: 0.62% · Tier avg: 0.86%
75
75th pctile
Loan-to-Deposit Ratio
Current: 49.39% · Tier avg: 55.68%
69
69th pctile
Nonperforming Asset Ratio
Current: 0.34% · Tier avg: 0.44%
56
56th pctile
Non-Interest Income / Assets
Current: 1.21% · Tier avg: 1.25%
31
31th pctile
Net Interest Margin
Current: 1.93% · Tier avg: 2.47%
25
25th pctile
Total Loans
Current: $101.3B · Tier avg: $418.5B
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 1.07% · Tier avg: 14.80%
12
12th pctile
Total Assets
Current: $253.3B · Tier avg: $952.4B
12
12th pctile
Total Deposits
Current: $205.1B · Tier avg: $739.8B
Top Weaknesses
12
12th pctile
Total Deposits
Current: $205.1B · Tier avg: $739.8B
12
12th pctile
Total Assets
Current: $253.3B · Tier avg: $952.4B
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 1.07% · Tier avg: 14.80%
25
25th pctile
Total Loans
Current: $101.3B · Tier avg: $418.5B
31
31th pctile
Net Interest Margin
Current: 1.93% · Tier avg: 2.47%
56
56th pctile
Non-Interest Income / Assets
Current: 1.21% · Tier avg: 1.25%
69
69th pctile
Nonperforming Asset Ratio
Current: 0.34% · Tier avg: 0.44%
75
75th pctile
Loan-to-Deposit Ratio
Current: 49.39% · Tier avg: 55.68%
75
75th pctile
Delinquency Rate
Current: 0.62% · Tier avg: 0.86%
88
88th pctile
Tier 1 Capital Ratio
Current: 20.29% · Tier avg: 15.52%
100
100th pctile
Efficiency Ratio
Current: 19.99% · Tier avg: 55.86%
100
100th pctile
Return on Assets
Current: 1.86% · Tier avg: 1.11%