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BDI
MS

Morgan Stanley Bank, National Association

Salt Lake City, UtahFDIC Cert #32992

OCCEstablished 19901 branch

Holding company: MORGAN STANLEYRegulator: OCC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
Owner CRE$208M
Investor CRE$7.68B
Multifamily$734M
Construction$314M
1–4 family$3.7B
C&I$12.7B
Agriculture$0
Other$88.4B

Loan book

Reported balances and balance-sheet intensity.

Gross loans
$114B
+21.6%y/y
Percentile by value39th percentileby value
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICLNLSGR
Net loans
$113B
+21.6%y/y
Percentile by value39th percentileby value
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICLNLSNET
Loans YoY
+21.61%
+0.0%y/y
Percentile by value79th percentileby value
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICLNLSNET
L/D
44.5%
−10.5%y/y
Percentile by value18th percentileby value
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICLNLSNET + DEP
Loans/assets
28.9%
−27.1%y/y
Percentile by value14th percentileby value
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICLNLSNET + ASSET
RE loans %
11.11%
−9.3%y/y
Percentile by value4th percentileby value
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital
20%
−44.8%y/y
Percentile by value21st percentileby value
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC
Construction/capital
1%
−57.8%y/y
Percentile by value18th percentileby value
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC
Loan HHI
182points
+25.7%y/y
Peer standing93rd percentile
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD
Owner CRE %
0.18%
−20.8%y/y
Percentile by value25th percentileby value
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICLNRENROW + LNLSGR
Investor CRE %
6.75%
−19.9%y/y
Percentile by value68th percentileby value
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICLNRENROT + LNLSGR
C&I %
11.19%
+36.8%y/y
Percentile by value21st percentileby value
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICLNCI + LNLSGR