BlastPoint's Banking Scorecard
Morgan Stanley Private Bank, National Association
Titans
Specialty: Other
NY
FDIC cert 34221
Purchase, NY
16
banks in Titans tier nationally
3 in NY
View Titans leaderboard (NY) →
Morgan Stanley Private Bank, National Association has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 32.72% below tier
- + Delinquency Rate 0.62% below tier
- + Tier 1 Capital Ratio 10.54% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 1% in Titans
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$254.7B
+15.1% YoY
+6.0% QoQ
|
-$697.7B |
$952.4B
-3.6% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
25% |
| Total Loans ? |
$174.0B
+18.8% YoY
+8.2% QoQ
|
-$244.4B |
$418.5B
-0.2% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
44% |
| Total Deposits ? |
$222.6B
+11.7% YoY
+4.1% QoQ
|
-$517.2B |
$739.8B
-3.8% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
19% |
| Return on Assets ? |
1.10%
+11.7% YoY
+3.0% QoQ
|
-0.01% |
1.11%
+7.2% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
50% |
| Net Interest Margin ? |
1.73%
+4.5% YoY
+1.6% QoQ
|
-0.74% |
2.47%
+1.2% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
25% |
| Efficiency Ratio ? |
23.14%
-11.9% YoY
-1.4% QoQ
|
-32.72% |
55.86%
+1.9% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
0.25%
-24.8% YoY
-10.5% QoQ
|
-0.62% |
0.86%
-12.4% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
Top 6% in tier |
| Loan-to-Deposit Ratio ? |
78.18%
+6.3% YoY
+3.9% QoQ
|
+22.50% |
55.68%
+5.4% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
0.37%
+146.8% YoY
+25.9% QoQ
|
-14.43% |
14.80%
-14.8% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
19% |
| Nonperforming Asset Ratio ? |
0.19%
-15.1% YoY
-7.4% QoQ
|
-0.25% |
0.44%
-9.5% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
81% |
| Tier 1 Capital Ratio ? |
26.06%
-0.1% YoY
-2.9% QoQ
|
+10.54% |
15.52%
+8.4% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
Top 6% in tier |
| Non-Interest Income / Assets ? |
0.22%
+9.0% YoY
+29.0% QoQ
|
-1.03% |
1.25%
-5.5% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 12% in tier |
Signature Analysis
Strengths (3)
Efficiency Ratio
metric
Top 1%
in Titans
Why this stands out
Current:
23.14%
(Tier avg: 55.86%, National avg: 65.09%)
Delinquency Rate
metric
Top 6%
in Titans
Why this stands out
Current:
0.25%
(Tier avg: 0.86%, National avg: 0.66%)
Tier 1 Capital Ratio
metric
Top 6%
in Titans
Why this stands out
Current:
26.06%
(Tier avg: 15.52%, National avg: 9.75%)
Concerns (1)
Liquidity Overhang
risk
#1 of 6 · Bottom 1% in Titans
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
26.06%
(Tier: 15.52%, National: 9.75%)
Loan-to-Deposit Ratio:
78.18%
(Tier: 55.68%, National: 78.04%)
6 of 6 Titans banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
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
Efficiency Ratio
Current: 23.14% · Tier avg: 55.86%
94
94th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.86%
94
94th pctile
Tier 1 Capital Ratio
Current: 26.06% · Tier avg: 15.52%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.44%
50
50th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.11%
44
44th pctile
Total Loans
Current: $174.0B · Tier avg: $418.5B
25
25th pctile
Total Assets
Current: $254.7B · Tier avg: $952.4B
25
25th pctile
Net Interest Margin
Current: 1.73% · Tier avg: 2.47%
19
19th pctile
Total Deposits
Current: $222.6B · Tier avg: $739.8B
19
19th pctile
Loan-to-Deposit Ratio
Current: 78.18% · Tier avg: 55.68%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 0.37% · Tier avg: 14.80%
12
12th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 1.25%
Top Weaknesses
12
12th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 1.25%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 0.37% · Tier avg: 14.80%
19
19th pctile
Loan-to-Deposit Ratio
Current: 78.18% · Tier avg: 55.68%
19
19th pctile
Total Deposits
Current: $222.6B · Tier avg: $739.8B
25
25th pctile
Net Interest Margin
Current: 1.73% · Tier avg: 2.47%
25
25th pctile
Total Assets
Current: $254.7B · Tier avg: $952.4B
44
44th pctile
Total Loans
Current: $174.0B · Tier avg: $418.5B
50
50th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.11%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.44%
94
94th pctile
Tier 1 Capital Ratio
Current: 26.06% · Tier avg: 15.52%
94
94th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.86%
100
100th pctile
Efficiency Ratio
Current: 23.14% · Tier avg: 55.86%