Liquidity
StrongQoQ +7
82
Sub-score
Liquidity is strong: brokered 21.1%, loans/deposits 44.9%.
- Cash / Assets
- —
- Loans / Deposits
- 44.89%
- Brokered %
- 21.14%
No watch items at this period.
Morgan Stanley Bank National Association
IDRSSD: 1456501
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2023-Q4
Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
88
/ 100
StrongAs of 2023-Q4QoQ -3
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Quarterly Headline
2023-Q4
Bank #1456501 2023-Q4 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (watch).
Liquidity:Strong
Securities:Unknown
Capitalization:Strong
Asset Quality:Strong
Reserves:Watch
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q3 2023:
↓ -3 ptscomposite
- Liquidity↑ +7
- Securities— —
- Capitalization— —
- Asset Quality↑ +3
- Reserves— —
The five pillars
Securities
Unknown
—
Sub-score
Insufficient data to compute a narrative for this pillar.
- MtM Loss / Tier 1
- —
- Securities / Assets
- —
SVB watch metric
No watch items at this period.
Capitalization
Strong
100
Sub-score
Capital position is strong: Tier 1 RBC 21.67%, CET1 21.67%, leverage 10.56%.
- Tier 1 RBC
- 21.67%
- CET1
- 21.67%
- Leverage
- 10.56%
No watch items at this period.
Asset Quality
StrongQoQ +3
98
Sub-score
Asset quality is strong: Adjusted NPL 0.67%, Texas Ratio 2.4%, NCO YTD 0.10%.
- Adjusted NPL
- 0.67%
- Texas Ratio
- 2.4%
- NCO YTD
- 0.10%
- 30-89 PD
- 0.21%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
Watch
58
Sub-score
Reserves are deteriorating: ALLL 0.82% of loans, coverage 122.7%, true coverage 95.2%.
- ALLL / Loans
- 0.82%
- Coverage
- 122.7%
- True Loss Coverage
- 95.2%
No watch items at this period.
Methodology + sources
- Vital Signs Score
- Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See
functions/src/vitalSignsScore.tsfor the complete formula and band anchors. - Period addressing
- Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
- Source data
- FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via
CallReport_Financials+CallReport_FdicData(Visbanking nightly ingest).
Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.
Generated: 2026-05-15 09:31:25 UTC