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BDI
MS

Morgan Stanley Private Bank, National Association

Purchase, New YorkFDIC Cert #34221

OCCEstablished 19961 branch

Holding company: MORGAN STANLEYRegulator: OCC

FDICCERT + OFFDOM

Profitability, margin & efficiency

Performance

Returns, spread economics, operating efficiency, and growth viewed against this bank's official FFIEC UBPR peers.

As of Q1 2026

Returns & margin

Annualized returns and the economics of earning assets and paid funding.

ROA
1.19%
+17.0%y/y
Peer standing68th percentile
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICNETINC + ROA
ROE
16.40%
+25.7%y/y
Peer standing86th percentile
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICNETINC + ROE
Pretax ROA
1.58%
+16.6%y/y
Peer standing68th percentile
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICPTAXNETINC + ASSET
NIM
1.84%
+7.1%y/y
Peer standing21st percentile
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICNIM + NIMY
Earning yield
4.35%
+2.6%y/y
Peer standing14th percentile
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICINTINCY
IB deposit cost
2.98%
+10.1%y/y
Peer standing39th percentile
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICEINTEXP + DEPIDOM

Efficiency & growth

Operating productivity and year-over-year balance-sheet momentum.

Efficiency
23.09%
−6.4%y/y
Peer standing96th percentile
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICNONIX + NIM + NONII + EEFFR
Expense/assets
0.48%
+0.9%y/y
Peer standing96th percentile
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICNONIX + ASSET
Fee share
12.56%
+4.6%y/y
Percentile by value11th percentileby value
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICNONII + NIM
Assets YoY
+7.87%
−23.9%y/y
Percentile by value68th percentileby value
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICASSET
Deposits YoY
+1.10%
−89.5%y/y
Percentile by value32nd percentileby value
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICDEP
Loans YoY
+18.94%
+68.3%y/y
Percentile by value75th percentileby value
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICLNLSNET

How this bank compares

Switch cohorts or expand any row to inspect the full distribution.

UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDICNETINC + ROA
68th percentileToggle ROA distribution

Distribution histogram for ROA, with this bank marked when a value is reported.

10th 0.80%Median 1.12%90th 1.34%Observations 29
ROE
FDICNETINC + ROE
83rd percentileToggle ROE distribution

Distribution histogram for ROE, with this bank marked when a value is reported.

10th 7.28%Median 11.72%90th 16.79%Observations 29
NIM
FDICNIM + NIMY
21st percentileToggle NIM distribution

Distribution histogram for NIM, with this bank marked when a value is reported.

10th 1.67%Median 3.09%90th 3.74%Observations 29
Efficiency
FDICNONIX + NIM + NONII + EEFFR
96th percentileToggle Efficiency distribution

Distribution histogram for Efficiency, with this bank marked when a value is reported.

10th 34.88%Median 55.49%90th 68.00%Observations 29
Deposits YoY
FDICDEP
33rd percentileby valueToggle Deposits YoY distribution

Distribution histogram for Deposits YoY, with this bank marked when a value is reported.

10th −1.82%Median +5.99%90th +35.23%Observations 29
Loans YoY
FDICLNLSNET
73rd percentileby valueToggle Loans YoY distribution

Distribution histogram for Loans YoY, with this bank marked when a value is reported.

10th +1.41%Median +8.49%90th +43.22%Observations 29
Noncurrent %
FDICP9ASSET + NAASSET + LNLSGR
13th percentileToggle Noncurrent % distribution

Distribution histogram for Noncurrent %, with this bank marked when a value is reported.

10th 0.19%Median 0.89%90th 1.45%Observations 29
Leverage
FDICRBC1AAJ
13th percentileToggle Leverage distribution

Distribution histogram for Leverage, with this bank marked when a value is reported.

10th 6.94%Median 9.58%90th 11.19%Observations 29

Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.

IB deposit cost
FDICEINTEXP + DEPIDOM
39th percentileToggle IB deposit cost distribution

Distribution histogram for IB deposit cost, with this bank marked when a value is reported.

10th 2.11%Median 2.78%90th 4.85%Observations 29
CRE/capital
FDICLNRENROT + LNREMULT + LNRECONS + RBC
36th percentileby valueToggle CRE/capital distribution

Distribution histogram for CRE/capital, with this bank marked when a value is reported.

10th 14%Median 55%90th 103%Observations 29

Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.

Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.