Morgan Stanley Private Bk NA
Purchase, New York · FDIC Cert #34221
Morgan Stanley Private Bk NA is an FDIC-insured bank (Certificate #34221) with $207.6B in total assets and $188.6B in total deposits as of the Q2 2024 Call Report. Headquartered in Purchase, New York, the bank maintains a Tier 1 capital ratio of 26.91% (Well-Capitalized) and a nonperforming loan ratio of 0.29%. BankHealthData assigns a composite Health Grade of A (95/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Morgan Stanley Private Bk NA (FDIC cert 34221) is a mega-bank: $207.6B in total assets, $188.6B in deposits, headquartered in Purchase, New York. Banks at this scale account for the bulk of U.S. banking assets and operate under enhanced prudential standards from the Federal Reserve, OCC, and FDIC.
Capital position is strong: Tier 1 capital ratio of 26.91% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.29% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is comfortable: 29.7% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is solid: ROA of 1.33% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Morgan Stanley Private Bk NA carries a composite BankHealth grade of A (95/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Morgan Stanley Private Bk NA
- Total Assets
- $207.6B
- Total Deposits
- $188.6B
- Tier 1 Capital Ratio
- 26.91%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.29%
- Liquidity Ratio
- 29.67%
- Return on Assets
- 1.33%
- Headquarters
- Purchase, New York
- FDIC Certificate
- #34221
- Health Grade
- A (95/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Morgan Stanley Private Bk NA holds a Tier 1 capital ratio of 26.91%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Morgan Stanley Private Bk NA has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Morgan Stanley Private Bk NA shows strong financial health indicators. With $207.6B in assets and a Health Score of 95/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Morgan Stanley Private Bk NA Compares
Morgan Stanley Private Bk NA’s Health Score of 95 is 24 points above the New York state average of 71 across 130 FDIC-insured banks. Its 26.91% Tier 1 capital ratio is 12.9 points above the US banking industry average near 14%. The 0.29% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.33% is in line with or above the national ROA benchmark of ~1.1%. Among 20 similarly-sized banks, the average Health Score is 82, meaning this bank ranks above its size cohort. Site-wide, Morgan Stanley Private Bk NA is 25 points above the portfolio average of 70.
Frequently Asked Questions
Morgan Stanley Private Bk NA has a Bank Health Score of A (95/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 26.91%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Morgan Stanley Private Bk NA's Tier 1 capital ratio of 26.91% and nonperforming loan ratio of 0.29% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Morgan Stanley Private Bk NA is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #34221). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Morgan Stanley Private Bk NA holds $207.6B in total assets and $188.6B in total deposits. It is headquartered in Purchase, New York (FDIC Certificate #34221).
Morgan Stanley Private Bk NA has a Tier 1 capital ratio of 26.91%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.29%, and the return on assets is 1.33%.
Yes. Morgan Stanley Private Bk NA is FDIC-insured (Certificate #34221). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Morgan Stanley Private Bk NA's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.