Holladay Bank&Trust vs Morgan Stanley Bank NA
Side-by-side bank health comparison using FDIC financial data
Holladay Bank&Trust (A) and Morgan Stanley Bank NA (A) are close on the BankHealth rubric. Asset bases: $62M versus $211.5B.
With grades this close, the choice between banks turns more on product fit, branch convenience, rates, and digital experience than on rubric-driven safety differences.
Verdict
Holladay Bank&Trust has a stronger Bank Health Score of 98/100 (A) compared to Morgan Stanley Bank NA at 95/100 (A), a difference of 3 points. Holladay Bank&Trust holds a Tier 1 capital ratio of 17.5% and an NPL ratio of 0.07%.
| Metric | Holladay Bank&Trust | Morgan Stanley Bank NA |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 98/100 (A)* | 95/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 17.5% | 22.2%* |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.1%* | 0.8% |
| Liquidity Ratio Cash and liquid assets vs obligations | 29.2% | 40.7%* |
| Return on Assets Profitability metric (above 1% is strong) | 1.7% | 3.1%* |
| Total Assets | $62M | $211.5B |
| Total Deposits | $50M | $172.2B |
| Location | Salt Lake City, Utah | Salt Lake City, Utah |
Holladay Bank&Trust has a stronger Bank Health Score of 98/100 (A) compared to Morgan Stanley Bank NA at 95/100 (A), a difference of 3 points. Holladay Bank&Trust holds a Tier 1 capital ratio of 17.5% and an NPL ratio of 0.07%.