PWLBtoday
Counterparty/Morgan Stanley Bank, N.A.
Built 2026-09-14 17:10 UTCBeta
MO

Morgan Stanley Bank, N.A.

Bank · USAA+ · LEI G1MLHIS0N32I3QPILB75
Counterparty scoreBand A
86
83th percentile of 18 peers
coverage83% of the method
Rating87w 40
Capital93w 25
Liquidity51w 15
Stability—w 10
Assets95w 5
Profit94w 5
Rating anchor and public pillars with published weights (w). Market overlay +3.0, bounded at ±10. Method
Agency ratingscompositeAA-Tightening (bank-specific) (group)
Fitch
AA▶
ST F1+
2026-05-12
S&P
A+▶
ST A-1
2022-05-17
Moody's
Aa3▶
ST P-1
2025-11-17
ESMA European Rating Platform, checked daily · ▲ positive ▼ negative ◆ watch ▶ stableRating history
CET1 ratio
18.2%
−1.3 vs prior2026-06-30
Leverage ratio—not yet collected
Total capital
18.7%
−1.3 vs prior2026-06-30
LCRgroup figure
129%
−1.0 vs prior2026-06-30
NSFR—not yet collected
Risk-weighted assets
225.2bn
+4.4% vs prior2026-06-30
15 series held, up to 48 periods each. Click a card to open it full size with every point and its date. The grey band on a ratio is where this bank’s peer group stands today, quartile to quartile, with the median dashed — not a peer history.
Standing
Capital
Liquidity and funding
Profitability and efficiency
Asset quality
Balance sheet

Rating history

Every action the European Rating Platform holds, since 2015. The composite is the median of the agencies on the day.
4upgrades
1.0notch stronger
20162017201820192020202120222023202420252026AA-A+composite A+ from 2015-07-01composite AA- from 2022-11-04AA-COMPOSITEFitchFitch A+ from 2015-07-01 to 2022-11-04A+Fitch AA- from 2022-11-04 to 2026-05-12AA-Fitch AA from 2026-05-12, stillFitch: stable outlook from 2015-12-08Fitch: negative outlook from 2020-04-22Fitch: stable outlook from 2020-11-20Fitch: positive outlook from 2021-11-18Fitch: stable outlook from 2022-11-04AAS&PS&P A from 2015-07-01 to 2016-12-17AS&P A+ from 2016-12-17, stillA+S&P: positive outlook from 2015-07-23S&P: watch positive outlook from 2015-11-02S&P: stable outlook from 2016-12-17A+Moody'sMoody's A1 from 2015-07-01 to 2020-10-02A1Moody's Aa3 from 2020-10-02, stillAa3Moody's: stable outlook from 2015-07-01Moody's: positive outlook from 2019-12-11Moody's: watch positive outlook from 2020-02-21Moody's: stable outlook from 2023-02-22Aa3
AAACCCpositive outlookstablenegativewent on watch

Every move since 2015

  • 2026-05-12↑Fitch upgrade AA- → AA · 1 notch
  • 2022-11-04↑Fitch upgrade A+ → AA- · 1 notch
  • 2020-10-02↑Moody's upgrade A1 → Aa3 · 1 notch
  • 2016-12-17↑S&P upgrade A → A+ · 1 notch

Every rating held today

AgencyTypeRatingOutlookDate
Fitchissuer default · long-termAAstable2026-05-12
Fitchissuer default · short-termF1+—2026-05-12
Moody'scounterparty · long-termAa2—2025-11-17
Moody'sdeposit · long-termAa3stable2025-11-17
Moody'sissuer credit · long-termAa3stable2025-11-17
Moody'scounterparty · short-termP-1—2025-11-17
Moody'sdeposit · short-termP-1—2025-11-17
Moody'sissuer credit · short-termP-1—2025-11-17
S&Pissuer credit · long-termA+stable2022-05-17
S&Presolution counterparty · long-termA+—2022-05-17
S&Pissuer credit · short-termA-1—2022-05-17
S&Presolution counterparty · short-termA-1—2022-05-17
Source: ESMA European Rating Platform, checked daily, with agency attribution.
Share price, 12 months · Morgan StanleyUSD
129.07158.67188.27217.8725-09: 148.8525-09: 148.7925-09: 156.3925-09: 159.2425-09: 157.8825-09: 158.9625-10: 158.0925-10: 151.8625-10: 160.0225-10: 158.1225-10: 165.2125-11: 163.6525-11: 162.3625-11: 165.6125-11: 162.2925-11: 165.4325-12: 169.0925-12: 176.8325-12: 178.4125-12: 172.9625-12: 181.6525-12: 177.5326-01: 184.7926-01: 182.7626-01: 182.1026-01: 181.8826-01: 182.8026-02: 175.8426-02: 176.6826-02: 176.5926-02: 168.7926-03: 167.0026-03: 160.2726-03: 154.3726-03: 158.9326-03: 165.8726-03: 158.3726-04: 166.5526-04: 177.6426-04: 187.3226-04: 191.0526-04: 190.3626-05: 188.0126-05: 193.0926-05: 194.5326-05: 197.7726-05: 201.6126-06: 214.9826-06: 212.2426-06: 214.0426-06: 223.1726-06: 221.0426-07: 211.8626-07: 218.0726-07: 227.6726-07: 210.9426-07: 214.4826-07: 210.0626-08: 218.2726-08: 215.0726-08: 218.2126-08: 214.2026-08: 214.8626-09: 211.8226-09: 215.35215.3525-0925-1025-1226-0226-0426-0626-09
Morgan Stanley is the listed company; this entity has no equity of its own, and the group price does not enter its score.
30-day realised volatility · Morgan Stanley21.6%
Drawdown from 52-week high · Morgan Stanley-7.7%
Market signal Tightening (bank-specific) (group)
Last price · Morgan Stanley2026-09-14
Bond yields vs peers, 31-day−2 bp (4 bonds, 2026-09-14)
CDS levels, bond yields and agency ratings feed the private market overlay and are never shown as levels; only the direction and the change against peers are public.
Every event held for this name, newest first: rating actions, Pillar 3 documents and filtered headlines. Severity is rules-based — read the source.
2026-05-12
Fitch upgrade: Derivative Counterparty Rating AA(dcr)
ESMA European Rating Platform
good
2026-05-12
Fitch maintained under stable outlook: Long Term Issuer Default Rating
ESMA European Rating Platform
info
2026-05-12
Fitch upgrade: Long Term Issuer Default Rating AA
ESMA European Rating Platform
good
2026-05-12
Fitch affirmation: Short Term Issuer Default Rating F1+
ESMA European Rating Platform
info
2026-05-06
Fitch affirmation: Derivative Counterparty Rating AA-(dcr)
ESMA European Rating Platform
info
2026-05-06
Fitch maintained under stable outlook: Long Term Issuer Default Rating
ESMA European Rating Platform
info
2026-05-06
Fitch affirmation: Long Term Issuer Default Rating AA-
ESMA European Rating Platform
info
2026-05-06
Fitch affirmation: Short Term Issuer Default Rating F1+
ESMA European Rating Platform
info
2025-11-17
Moody's affirmation: Deposit Rating Aa3
ESMA European Rating Platform
info
2025-11-17
Moody's maintained under stable outlook: Deposit Rating
ESMA European Rating Platform
info
2025-11-17
Moody's affirmation: Deposit Rating P-1
ESMA European Rating Platform
info
2025-11-17
Moody's affirmation: Counterparty Risk Rating P-1
ESMA European Rating Platform
info
2025-11-17
Moody's affirmation: Counterparty Risk Rating Aa2
ESMA European Rating Platform
info
2025-11-17
Moody's affirmation: Issuer Rating P-1
ESMA European Rating Platform
info
2025-11-17
Moody's affirmation: Issuer Rating Aa3
ESMA European Rating Platform
info
2025-11-17
Moody's maintained under stable outlook: Issuer Rating
ESMA European Rating Platform
info

Documents and feeds

FDIC Call Reports · public API
1 document · 14 metrics · 2016-09-30 to 2026-06-30
Latest source
Firm's Pillar 3 disclosures (group) · read from the PDF
9 documents · 1 metrics · 2024-06-30 to 2026-06-30
Latest source

Latest value of every metric held

MetricValueReference dateSourceConfidence
CET1 capital ratio18.252026-06-30FDIC Call Reports · public API1.00
Total deposits (currency millions)278,937.002026-06-30FDIC Call Reports · public API1.00
Cost-to-income or efficiency ratio36.832026-06-30FDIC Call Reports · public API1.00
Held-to-maturity securities fair value minus amortised cost (currency millions; negative = unrealised loss)-2,637.002026-06-30FDIC Call Reports · public API1.00
Net interest margin1.532026-06-30FDIC Call Reports · public API1.00
Non-performing or noncurrent loan ratio0.472026-06-30FDIC Call Reports · public API1.00
Return on assets1.562026-06-30FDIC Call Reports · public API1.00
Return on equity15.332026-06-30FDIC Call Reports · public API1.00
Risk-weighted assets (currency millions)225,165.092026-06-30FDIC Call Reports · public API1.00
Tier 1 leverage ratio (US definition, average assets)10.442026-06-30FDIC Call Reports · public API1.00
Tier 1 capital ratio18.252026-06-30FDIC Call Reports · public API1.00
Total assets (currency millions)419,318.002026-06-30FDIC Call Reports · public API1.00
Total capital ratio18.712026-06-30FDIC Call Reports · public API1.00
Estimated uninsured deposits (currency millions)118,143.002026-06-30FDIC Call Reports · public API1.00
Liquidity coverage ratio129.002026-06-30Firm's Pillar 3 disclosures (group) · read from the PDF0.92 group figure