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Examined: Sat, 25 Apr 2026 19:38:09 GMT

Morgan Stanley Bank, National Association

RSSD 1456501 · UT · Total assets $253,348M
Composite CAMELS
2
2 — Satisfactory
C
Capital
2
0 findings
A
Asset Quality
2
0 findings
M
Management
2
0 findings
E
Earnings
2
1 finding
L
Liquidity
2
1 finding
S
Sensitivity
2
0 findings
0
Critical
0
High
2
Moderate
0
Low
24
Procedures run

Findings

MODERATE · Earnings Procedure E-02

Net interest margin materially compressed

Citation
FFIEC UBPR User's Guide §IV — Earnings Analysis; OCC Comptroller's Handbook, "Interest Rate Risk"
Evidence
Year-to-date net interest margin is 2.39%. Compressed margin can reduce core earnings capacity and may indicate asset-yield pressure, funding-cost pressure, interest-rate-risk exposure, or adverse balance-sheet mix.
Recommended action
Provide management's margin analysis, including earning-asset yields, funding costs, repricing gaps, deposit betas, and modeled sensitivity to parallel and nonparallel rate shocks. Document board-approved actions to restore sustainable margin without assuming excessive credit, liquidity, or interest-rate risk.
MODERATE · Liquidity Procedure L-02

Brokered deposit concentration elevated

Citation
12 CFR § 337.6 — Brokered deposits; FDIC Brokered Deposit Rule
Evidence
Brokered deposits $43,134M against total deposits $187,093M. Elevated brokered-deposit reliance can increase liquidity sensitivity, funding-cost volatility, and supervisory restrictions if capital condition weakens.
Recommended action
Provide a brokered-deposit funding plan with board-approved concentration limits, maturity distribution, rate-sensitivity analysis, and contingency actions if brokered channels become unavailable or restricted. Demonstrate compliance monitoring for 12 CFR § 337.6.

Key ratios computed

Tier 1 ratio
20.11%
↑ rank 3 of 16 · global
Tier 1 leverage
9.74%
↑ rank 7 of 16 · global
Total capital
20.87%
↑ rank 3 of 16 · global
NPL ratio
0.62%
ACL coverage
103.21%
CRE concentration
4.55%
Construction conc.
1.77%
ROA (annualized)
2.16%
↑ rank 1 of 16 · global
NIM
2.39%
↑ rank 11 of 16 · global
Efficiency ratio
16.01%
↓ rank 1 of 16 · global
Loans / Deposits
45.41%
Brokered / Deposits
23.05%
Uninsured / Deposits
20.45%
Liquid asset ratio
8.55%
HTM loss / Tier 1
—
Asset growth YoY
—

Trend — last 8 quarters

Total assets ($M)
$230,712M
23Q03$205,845M 23Q06$202,537M 23Q09$207,376M 23Q12$209,006M 24Q03$212,723M 24Q06$211,521M 24Q09$224,864M 24Q12$230,712M
Tier 1 leverage
9.74%
23Q0310.46% 23Q0610.02% 23Q0910.16% 23Q1210.56% 24Q0310.85% 24Q0611.17% 24Q0911.34% 24Q129.74%
Tier 1 RBC ratio
20.11%
23Q0321.52% 23Q0620.01% 23Q0920.86% 23Q1221.67% 24Q0322.46% 24Q0622.19% 24Q0922.99% 24Q1220.11%
ROA (YTD ann.)
2.16%
23Q032.30% 23Q062.43% 23Q092.31% 23Q122.20% 24Q032.39% 24Q062.34% 24Q092.21% 24Q122.16%
NIM (YTD ann.)
2.39%
23Q032.59% 23Q062.65% 23Q092.75% 23Q122.68% 24Q032.47% 24Q062.51% 24Q092.47% 24Q122.39%
Efficiency ratio
16.0%
23Q0314.3% 23Q0614.3% 23Q0914.7% 23Q1216.5% 24Q0315.5% 24Q0615.2% 24Q0915.3% 24Q1216.0%

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