Optum Bank INC vs Morgan Stanley Bank NA
Side-by-side bank health comparison using FDIC financial data
Verdict
Optum Bank INC 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. Optum Bank INC holds a Tier 1 capital ratio of 18.64% and an NPL ratio of 0.29%.
| Metric | Optum Bank INC | 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) | 18.6% | 22.2%* |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.3%* | 0.8% |
| Liquidity Ratio Cash and liquid assets vs obligations | 62.3%* | 40.7% |
| Return on Assets Profitability metric (above 1% is strong) | 4.1%* | 3.1% |
| Total Assets | $17.1B | $211.5B |
| Total Deposits | $14.2B | $172.2B |
| Location | Draper, Utah | Salt Lake City, Utah |
Optum Bank INC 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. Optum Bank INC holds a Tier 1 capital ratio of 18.64% and an NPL ratio of 0.29%.