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Morgan Stanley Private Bank National Association

IDRSSD: 2489805
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
80
/ 100
StrongAs of 2025-Q2QoQ 0

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 #2489805 2025-Q2 Vital Signs Score: 80/100 — overall strong. Strongest pillar: Asset Quality (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.25% of loans.

What changed this quarter

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

The five pillars

Liquidity

StrongQoQ 0
81
Sub-score

Liquidity is strong: brokered 20.3%, loans/deposits 73.4%.

Cash / Assets
—
Loans / Deposits
73.35%
Brokered %
20.31%
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 -1
90
Sub-score

Capital position is strong: Tier 1 RBC 25.74%, CET1 25.74%, leverage 7.48%.

Tier 1 RBC
25.74%
CET1
25.74%
Leverage
7.48%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.32%, Texas Ratio 2.9%, NCO YTD 0.00%.

Adjusted NPL
0.32%
Govt-guarantees stripped
Texas Ratio
2.9%
NCO YTD
0.00%
30-89 PD
0.09%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ 0
30
Sub-score

Reserves are weak: ALLL 0.25% of loans, coverage 79.7%, true coverage 79.4%.

ALLL / Loans
0.25%
Coverage
79.7%
True Loss Coverage
79.4%

Watch Items

  • riskALLL / Loans below 0.75% — ALLL 0.25% 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: 2026-05-13 11:49:49 UTC