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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 — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2025-Q2QoQ -1

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

Quarterly Headline

2025-Q2

Bank #1456501 2025-Q2 Vital Signs Score: 81/100 — 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 0.66% of loans.

What changed this quarter

Compared to Q1 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ 0

The five pillars

Liquidity

StableQoQ -2
78
Sub-score

Liquidity is stable: brokered 26.3%, loans/deposits 49.1%.

Cash / Assets
—
Loans / Deposits
49.11%
Brokered %
26.33%
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

StrongQoQ 0
100
Sub-score

Capital position is strong: Tier 1 RBC 20.47%, CET1 20.47%, leverage 10.27%.

Tier 1 RBC
20.47%
CET1
20.47%
Leverage
10.27%
No watch items at this period.

Asset Quality

StrongQoQ -2
97
Sub-score

Asset quality is strong: Adjusted NPL 0.85%, Texas Ratio 3.2%, NCO YTD 0.08%.

Adjusted NPL
0.85%
Govt-guarantees stripped
Texas Ratio
3.2%
NCO YTD
0.08%
30-89 PD
0.03%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ 0
26
Sub-score

Reserves are weak: ALLL 0.66% of loans, coverage 77.8%, true coverage 60.6%.

ALLL / Loans
0.66%
Coverage
77.8%
True Loss Coverage
60.6%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.66% 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