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MORGAN STANLEY BANK

SALT LAKE CITY, UT · Supervised by FDIC

Est. 1990FDIC #32,992RSSD: FDIC-32992

Part ofMORGAN STANLEY→ View all charters

Outstanding Same

Current rating · Exam: May 2006

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Contact & Details

FDIC BankFind

Address

201 S Main St, SALT LAKE CITY, UT

County

Salt Lake County

Established

May 25, 1990

Total Assets

$391.3B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

May 1, 2006

Exam Type

Wholesale/Limited Purpose

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 20 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$391.3B

Total Deposits

$254.3B

Net Loans

$113.1B

Net Income

$1.3B

ROA

1.65%

Above avg for Large banks. Peer avg: 1.37%

ROE

15.71%

Risk-Based Capital

20.04%

Above avg for Large banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Large banks

Compared to the peer-bank Large peer group (same asset tier).

ROA1.65%Peer avg: 1.37%▲ Above avg

Risk-Based Capital20.04%Peer avg: 15.74%▲ Above avg

Complaints / $B2.00Peer avg: 88.45▼ Fewer than avg

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Consumer Complaints

CFPB · through Jun 2026

Last 12 Months

400

Since 2018

796

all complaints on record

Monetary Relief

3.8%

% of complaints where company provided monetary relief

Untimely Response

1.8%

% exceeding CFPB's 15-day response window

Complaints by Product Type

Checking or savings account

87%

688

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
May 2006	Outstanding	Wholesale/Limited Purpose
Jul 2003	Outstanding	Wholesale/Limited Purpose
Jul 2000	Satisfactory	Wholesale/Limited Purpose

4 previous ratings locked — back to 1992

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$192.9B

1-Year Change

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All banks in Utah →

Month	Complaints	With Monetary Relief
August 2025	18	0
September 2025	32	0
October 2025	36	2
November 2025	24	1
December 2025	30	2
January 2026	35	1
February 2026	38	0
March 2026	55	2
April 2026	42	3
May 2026	51	6
June 2026	17	1