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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-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2024-Q3QoQ -4

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

Quarterly Headline

2024-Q3

Bank #1456501 2024-Q3 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (risk).

Liquidity:Stable
Securities:Unknown
Capitalization:Strong
Asset Quality:Strong
Reserves:Risk

Top 3 Watch Items

  1. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.70% of loans.

What changed this quarter

Compared to Q2 2024:
↓ -4 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -19

The five pillars

Liquidity

StableQoQ 0
80
Sub-score

Liquidity is stable: brokered 24.0%, loans/deposits 45.1%.

Cash / Assets
—
Loans / Deposits
45.11%
Brokered %
24.03%
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 22.99%, CET1 22.99%, leverage 11.24%.

Tier 1 RBC
22.99%
CET1
22.99%
Leverage
11.24%
No watch items at this period.

Asset Quality

StrongQoQ -3
93
Sub-score

Asset quality is strong: Adjusted NPL 0.85%, Texas Ratio 2.7%, NCO YTD 0.46%.

Adjusted NPL
0.85%
Govt-guarantees stripped
Texas Ratio
2.7%
NCO YTD
0.46%
30-89 PD
0.03%
Band 0.3% / 3.0%
90+ PD
0.08%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -19
35
Sub-score

Reserves are weak: ALLL 0.70% of loans, coverage 82.8%, true coverage 74.7%.

ALLL / Loans
0.70%
Coverage
82.8%
True Loss Coverage
74.7%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.70% of loans.

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