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Morgan Stanley Bank National Association

IDRSSD: 1456501
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
86
/ 100
StrongAs of 2024-Q2QoQ -2

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q2

Bank #1456501 2024-Q2 Vital Signs Score: 86/100 — 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 Q1 2024:
↓ -2 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -3

The five pillars

Liquidity

StrongQoQ -2
80
Sub-score

Liquidity is strong: brokered 23.6%, loans/deposits 47.8%.

Cash / Assets
—
Loans / Deposits
47.85%
Brokered %
23.61%
No watch items at this period.

Securities

Unknown
—
Sub-score

Insufficient data to compute a narrative for this pillar.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
—
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 22.19%, CET1 22.19%, leverage 11.04%.

Tier 1 RBC
22.19%
CET1
22.19%
Leverage
11.04%
No watch items at this period.

Asset Quality

StrongQoQ -2
96
Sub-score

Asset quality is strong: Adjusted NPL 0.76%, Texas Ratio 2.6%, NCO YTD 0.24%.

Adjusted NPL
0.76%
Govt-guarantees stripped
Texas Ratio
2.6%
NCO YTD
0.24%
30-89 PD
0.04%
Band 0.3% / 3.0%
90+ PD
0.08%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -3
55
Sub-score

Reserves are deteriorating: ALLL 0.78% of loans, coverage 103.5%, true coverage 101.4%.

ALLL / Loans
0.78%
Coverage
103.5%
True Loss Coverage
101.4%
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.ts for 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