Morgan Stanley Private Bank, National Association

Headquarters

2000 Westchester Ave
Purchase, NY 10577
See all branch locations →

ACH 021272778

Phone 212 245 1239

Notable Rates APY Vs.Others
Savings N.A. 4.35% →
1-Year CD N.A. 5.00% →
2-Year CD N.A. 4.75% →
5-Year CD N.A. 4.55% →
30-Year Mortgage N.A. 0.00% →
15-Year Mortgage N.A. 0.00% →
HELOC N.A. 0.99% →

2023 Overview

General Bank Information

Morgan Stanley Private Bank, National Association is an FDIC insured institution located in Purchase, NY. It was founded in 1996 and has approximately $199.89 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 34221
Date Established 1996
Assets $ 199.89 billion
Loans $ 126.18 billion
Deposits $ 182.63 billion
Capital $ 16.05 billion
 

For a more detailed analysis of Morgan Stanley Private Bank, National Association's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - February 4, 2023

Your Current Location: Virginia, VA 20146

Online Only Savings Rates of Morgan Stanley Private Bank (Offered through ETrade)

Online Savings Rates APY MIN MAX
Premium Savings Account
3.50% $0 - Learn More

Bank Online Offers

ETrade Bank Slashes Savings Rate from 2.10% to 1.75%
Aug 8, 2019

ETrade says not to worry because their rates are still 17x the market rate.   But, this is well below any line in the sand that we suggested depositors draw


 

Loan Rates - February 4, 2023

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Morgan Stanley Private Bank, National Association

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Virginia 30 Year Fixed Mortgage Rates 2023

Lender APR Rate (%) Monthly
Payment
Learn More
PenFed Credit Union
NMLS ID: 401822
5.294% 5.250%
0.50 points
$1,250 fees
$1,381 Learn More
PADDIO
NMLS ID: 1907
5.921% 5.750%
0.88 points
$4,688 fees
$1,459 Learn More
Eligibility.org
NMLS ID: Not lender

points
fees
Learn More
MortgageResearch.com
NMLS ID: Not lender

points
fees
Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2023

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
6.740 %
$0 Learn More
More Info

Note to Morgan Stanley Private Bank, National Association
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Branches

Morgan Stanley Private Bank, National Association branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Morgan Stanley Private Bank, National Association Locations



Climate Initiatives

Morgan Stanley Private Bank, National Association is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

Financial Details

Morgan Stanley Private Bank, National Association Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Morgan Stanley Private Bank, National Association. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Morgan Stanley Private Bank, National Association U.S. Bank Average
1.78% 4.06%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2022, Morgan Stanley Private Bank, National Association had $288,000,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $16,046,000,000 in equity and $130,000,000 in loans loss reserves. That gives it a Texas Ratio of 1.78%.

Return on Equity
Morgan Stanley Private Bank, National Association U.S. Bank Average
15.03% 9.98%

Morgan Stanley Private Bank, National Association has a Return on Equity of 15.03% versus the BestCashCow average of 9.98%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Morgan Stanley Private Bank, National Association U.S. Bank Average
8.03% 10.23%

Morgan Stanley Private Bank, National Association has a Capitalization of 8.03% versus the BestCashCow average of 10.23. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Morgan Stanley Private Bank, National Association Balance Sheet Analysis

As of June 30, 2022, Morgan Stanley Private Bank, National Association had assets of $199,887,000,000, loans of $126,179,000,000, and deposits of $182,630,000,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2022
ASSETS
Cash & Balances due from depository institutions $ 19.03 billion
Interest-bearing balances $ 18.96 billion
Total securities $ 51.54 billion
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 126.18 billion
Loan loss allowance $ 130.00 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 489.00 million
All other assets $ 2.64 billion
     Total Assets $ 183.84 billion
LIABILITIES
Total deposits $ 182.63 billion
      Interest-bearing deposits $ 173.53 billion
      Deposits held in domestic offices $ 182.63 billion
      % insured (estimated) 68.05%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 463.00 million
Subordinated debt N.A.
All other liabilities $ 748.00 million
      Total Liabilities $ 183.84 billion
      Shareholders’ Equity $ 16.05 billion

Summary Income Statement

June 30, 2022
INCOME AND EXPENSES
Total Interest Income $ 1,945.00 million
Total Interest Expense $ 94.00 million
Net interest income $ 1,851.00 million
Provision for loan and lease losses $ 36.00 million
Total non interest income $ 234.00 million
Total non interest expense $ 420.00 million
Pre-tax Net Operating Income $ 1,629.00 million

Bank Loan Profile?

The top three loan types in Morgan Stanley Private Bank, National Association’s loan portfolio are 1-4 Family Residential Loans, Commercial and Industrial Loans, and Commercial Real Estate.

Compared to other banks, Morgan Stanley Private Bank, National Association’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 39.99
Multifamily
Mortgages
0.88
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 3.61
Commercial and Industrial Loans 4.29
Farm Loans 0.00

Customer Reviews for Morgan Stanley Private Bank, National Association


  • February 6, 2022

    The above frustration also holds true for the Morgan Stanley investment teams.
    They are very reluctant to help when it comes to Estate Issues such as Power of Attorney. They seem to think they can override an estate trust and are very reluctant to be accommodating in anyway.

    The end result will be termination of business with this institution.

  • January 11, 2021 |

    Frustrating experience dealing with incompetent agents over the phone. Long hold times, have to start from square every time you call or get disconnected as nobody ever calls you back, even though they confirm you phone number every time

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