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Bank, Salt Lake City, UT
Morgan Stanley Bank, National Association
A bank based in Salt Lake City, UT. Its commercial book is led by non-owner-occupied CRE and C&I. Public files show recent SBA 504 loans it made.
- Kind
- Bank
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $17.6B
- FDIC call report,
- Holds, not loans made
- Multifamily loans made, 2025
- Not reported
- HMDA,
- HMDA, 5 or more units
- SBA loans, 36 months
- 34
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $419B
- FDIC call report,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- The FDIC record has no phone number or website.
- Address
- 201 S Main St, Salt Lake City, UT 84111FDIC institution record,
- Regulator record
- FDIC BankFind
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
| When | What the record shows | Source |
|---|---|---|
| Since Jul 2025 | Named as originator or co-originator on 100 CMBS loans since July 1, 2025.Filing abbreviation mapped by hand. CMBS loan-level data via SEC ABS-EE filings. | SEC ABS-EE filings, |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 7.0% to $8.3B in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Commercial and industrial balance rose 126.1% to $8.2B in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Multifamily balance rose 29.3% to $701M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Unused commitments on commercial real estate rose 25.9% to $981M in the year to June 30, 2026.Call report commitments. Not a measure of new lending. | FDIC call report |
| 2024 | Reported making 13 small business loans totaling $7.1M in 2024.FFIEC CRA disclosure data. A small business loan here is a commercial and industrial loan or a loan secured by nonfarm nonresidential property of $1 million or less when made. | FFIEC CRA disclosure data |
| 2023-10 to 2026-09 | Named as the lender on 66 mortgages recorded in New York City.exact normalized lender name and state, or a reviewed alias | NYC ACRIS recorded mortgages |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Jul 2026 | California | SBA 504, Plumbing, Heating, and Air-Conditioning Contractors | $810K | 25 yr | SBA FOIA | ||
| Apr 2026 | California | SBA 504, All Other Specialty Trade Contractors | $320K | 25 yr | SBA FOIA | ||
| Feb 2026 | South Carolina | SBA 504, Finance and Insurance | $300K | 25 yr | SBA FOIA | ||
| Jan 2026 | Indiana | SBA 504, Professional, Scientific, and Technical Services | $630K | 25 yr | SBA FOIA | ||
| Dec 2025 | California | SBA 504, Professional, Scientific, and Technical Services | $390K | 25 yr | SBA FOIA | ||
| Jul 2025 | California | SBA 504, All Other Consumer Goods Rental | $320K | 25 yr | SBA FOIA | ||
| Jun 2025 | California | SBA 504, Brick, Stone, and Related Construction Material Merchant Wholesalers | $910K | 25 yr | SBA FOIA | ||
| May 2025 | California | SBA 504, All Other Consumer Goods Rental | $450K | 25 yr | SBA FOIA | ||
| Mar 2025 | New York | SBA 504, Electrical Contractors and Other Wiring Installation Contractors | $1.3M | 25 yr | SBA FOIA | ||
| Feb 2025 | California | SBA 504, Electronics and Appliance Retailers | $2.3M | 25 yr | SBA FOIA | ||
| Feb 2025 | Florida | SBA 504, Offices of Physicians (except Mental Health Specialists) | $1.6M | 25 yr | SBA FOIA | ||
| Dec 2024 | California | SBA 504, Electronics and Appliance Retailers | $460K | 25 yr | SBA FOIA | ||
| Oct 2024 | California | SBA 504, Freight Transportation Arrangement | $920K | 25 yr | SBA FOIA | ||
| Oct 2024 | California | SBA 504, Engineering Services | $470K | 25 yr | SBA FOIA | ||
| Sep 2024 | California | SBA 504, All Other Specialty Trade Contractors | $1.2M | 25 yr | SBA FOIA | ||
| Sep 2024 | New York | SBA 504, Electrical Contractors and Other Wiring Installation Contractors | $300K | 25 yr | SBA FOIA | ||
| Aug 2024 | Texas | SBA 504, Wholesale Trade | $5.7M | 25 yr | SBA FOIA | ||
| May 2024 | Texas | SBA 504, Sporting Goods Retailers | $950K | 25 yr | SBA FOIA | ||
| May 2024 | California | SBA 504, All Other Specialty Trade Contractors | $720K | 25 yr | SBA FOIA | ||
| May 2024 | Florida | SBA 504, All Other Personal Services | $320K | 25 yr | SBA FOIA | ||
| Apr 2024 | Florida | SBA 504, Other Support Activities for Air Transportation | $1.1M | 25 yr | SBA FOIA | ||
| Apr 2024 | Colorado | SBA 504, Finance and Insurance | $800K | 25 yr | SBA FOIA | ||
| Apr 2024 | Florida | SBA 504, Offices of Physicians, Mental Health Specialists | $380K | 25 yr | SBA FOIA | ||
| Mar 2024 | Nevada | SBA 504, Management of Companies and Enterprises | $1.1M | 20 yr | SBA FOIA | ||
| Feb 2024 | Oregon | SBA 504, Manufacturing | $2.4M | 25 yr | SBA FOIA | ||
| 34 SBA 504 first liens since October 2023, net of cancelled | $35.8M | SBA FOIA | |||||
A blank means the source did not report it.
Recorded mortgages, New York City
NYC ACRIS, September 30, 2026
Mortgages recorded in New York City in which this lender is named as the lender. A recorded document is not the whole of a lender's activity and is not joined to HMDA or SBA data.
- 66 mortgages recorded in New York City (the five boroughs) from Oct 2023 to Sep 2026 name Morgan Stanley Bank, National Association as the lender, totaling $3.69B.
- 24 of them were recorded in the latest 12 months of that window.
| Property class | Mortgages | Dollars |
|---|---|---|
| Office | 19 | $3.30B |
| Multifamily | 17 | $165M |
| Mixed use | 14 | $58.7M |
| Retail | 7 | $72.7M |
| Other | 5 | $69.2M |
| Industrial | 3 | $20.0M |
| Hotel | 1 | $13.0M |
| Borough | Mortgages |
|---|---|
| Manhattan | 30 |
| Brooklyn | 16 |
| Bronx | 11 |
| Queens | 9 |
How these documents were tied to this lender: exact normalized lender name and state, or a reviewed alias.
What it holds
FDIC call report, June 30, 2026
| Book | Holds | Of its loans | Year over year |
|---|---|---|---|
| Multifamily | $701M | 0.6% | +29.3% |
| Construction and land development | $259M | 0.2% | -32.9% |
| Owner-occupied CRE | $213M | 0.2% | -2.7% |
| Non-owner-occupied CRE | $8.30B | 7.2% | +7.0% |
| Farmland | $0 | 0.0% | Not reported |
| Commercial and industrial | $8.16B | 7.1% | +126.1% |
| Commercial total | $17.6B |
Reference only: $3.46B of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $16.4B |
| Q4 2023 | $17.9B |
| Q1 2024 | $16.8B |
| Q2 2024 | $15.8B |
| Q3 2024 | $15.3B |
| Q4 2024 | $13.4B |
| Q1 2025 | $16.8B |
| Q2 2025 | $12.5B |
| Q3 2025 | $14.4B |
| Q4 2025 | $13.2B |
| Q1 2026 | $21.7B |
| Q2 2026 | $17.6B |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 34 | $35.8M | $803K | $5.7M | SBA FOIA, |
| CMBS, sole originator | Since Jul 2025 | 95 | $1.97B | SEC ABS-EE filings, |
How these public files were tied to this lender. SBA 504 first liens: its name and state.
Programs on record: Federal Home Loan Bank member, New York district (FHFA). CMBS originator (SEC filings).
Small business loans reported under CRA
FFIEC CRA, 2024
- Morgan Stanley Bank, National Association reported making 13 small business loans totaling $7,060,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
- By size when made: 1 of $100,000 or less, 2 over $100,000 up to $250,000, 10 over $250,000 up to $1 million.
- 2 of them, totaling $690,000, went to businesses with revenue of $1 million or less.
In this filing a small business loan is a commercial and industrial loan, or a loan secured by nonfarm nonresidential property, of $1 million or less when it was made. Multifamily loans are not included.
Only banks with about $1.6 billion or more in assets must file this data. The cutoff is set each year; it was $1.564 billion for 2024. A bank that is not listed here can still make small business loans.
How this filing was tied to this bank: OCC charter via FFIEC POR + transmittal RSSD.
Undrawn commitments
FFIEC Call Report, June 30, 2026
- Morgan Stanley Bank, National Association reported commitments to fund construction loans that had not been drawn at June 30, 2026: $0 for 1-4 family residential construction and $800,000,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
- Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $103,473,000,000. These are credit lines not yet used.
Small loans it holds, by original size
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026
Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.
| Original amount | Loans | Holds |
|---|---|---|
| Over $100,000 up to $250,000 | 12 | $2.00M |
| Over $250,000 up to $1 million | 111 | $52.0M |
Where it lends
Offices beside loans on record
Offices by county
FDIC Summary of Deposits, June 30, 2026
- Morgan Stanley Bank, National Association has 1 office in 1 county and 1 state (FDIC Summary of Deposits, June 30, 2026): 1 full service and 0 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| Salt Lake County, UT | 1 | 0 |
Loan production offices are not in this file. A bank with no office here can still lend here.
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Estimated largest single loan | $6.26B | $1.36B to $13.6B across 8 peers | Estimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated. | FDIC call report, 12 CFR 32.3, Jun 30, 2026 |
| CRE to capital | 22.2% | 0.0% to 165.4% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance. | FDIC call report, |
| Construction to capital | 0.6% | 0.0% to 35.4% across 8 peers | Construction loans divided by tier 1 capital plus allowance. | FDIC call report, |
| Loans to deposits | 41.3% | 12.5% to 100.5% across 8 peers | Total loans divided by total deposits. | FDIC call report, |
| Unused CRE commitments | $981M | $18.2M to $5.29B across 8 peers | Commitments to lend on commercial real estate that are not yet drawn, up 25.9% from a year earlier. | FDIC call report, |
| Loans to assets | 27.4% | 11.0% to 80.5% across 8 peers | Total loans divided by total assets. | FDIC call report, |
Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| UBS Bank USA, National Association | UT | $124B | $2.38B |
| Ally Bank | UT | $188B | $42.8B |
| State Street Bank and Trust Company | MA | $413B | $3.62B |
| American Express National Bank | UT | $214B | $48.1B |
| TD Bank, National Association | DE | $343B | $53.9B |
| Zions Bancorporation, N.A. | UT | $89.0B | $39.3B |
| The Bank of New York Mellon | NY | $425B | $6.67B |
| Capital One, National Association | VA | $662B | $61.2B |
What we don't know
- Whether it is taking new loans today, or on what terms.
- How much of its book it made recently. Call reports carry balances, not loans made.
- Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
- How its 1-4 family loans divide between owner-occupied and investor.
- Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
Check this page
Against the regulator's own record
- Name and charter. Morgan Stanley Bank, National Association, FDIC certificate 32992. Compare it with the regulator's record. [FDIC BankFind]
- Balances. $419B in total assets and $17.6B in commercial loans held, from the call report for June 30, 2026. [Source]
- Loans made. 34 recorded loans from SBA files, through September 30, 2026: 34 SBA 504 first liens in 36 months. Each has its source and date. [How each file was tied to Morgan Stanley Bank, National Association]
- Phone and website. No phone number is on record. No website is on record. [How to reach them]
- Small business loans reported under CRA. 13 small business loans reported in its CRA filing for 2024. [Source]
- Recorded mortgages, New York City. 66 recorded mortgages in New York City under this name. [Source]
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For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- Office of the Comptroller of the Currency
- FDIC certificate
- 32992
- RSSD
- 1456501
- LEI
- G1MLHIS0N32I3QPILB75
- The Lender Report ID
- lr_000011
- FDIC classifies this bank as
- All Other Over 1 Billion
- Ownership
- Stock
- Head office metro area
- Salt Lake City, UT
FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.
- Reported $419.3B in total assets as of June 30, 2026 (FDIC call report).
- Held $17.6B of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $8.3B of non-owner-occupied commercial real estate loans as of June 30, 2026, up 7.0% from a year earlier (FDIC call report).
- Held $8.2B of commercial and industrial loans as of June 30, 2026, up 126.1% from a year earlier (FDIC call report).
- Held $701M of multifamily loans as of June 30, 2026, up 29.3% from a year earlier (FDIC call report).
- Provided the first lien on 34 SBA 504 projects with $35.8M in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA).
6 more sentences
- Named as originator or co-originator on 100 CMBS loans since July 1, 2025 (SEC filings).
- Listed 1 office in 1 state (FDIC).
- Reported making 13 small business loans totaling $7.1M in 2024, in its Community Reinvestment Act filing (FFIEC).
- Held 123 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $54M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $0 for 1-4 family and $800M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
- Named as the lender on 66 mortgages recorded in New York City from 2023-10 to 2026-09, totaling $3.7B (NYC Department of Finance, ACRIS).
Cite this
Source: The Lender Report, Morgan Stanley Bank, National Association, https://lender.report/lender/morgan-stanley-bank-ut/, data as of June 30, 2026.
Sources
- FDIC institution record, November 9, 2026
- FDIC office list, October 28, 2026
- FDIC call report, June 30, 2026
- FDIC call report, June 30, 2025
- SBA FOIA, September 30, 2026
- FFIEC Call Report, June 30, 2026
- FDIC call reports, June 30, 2026
- FFIEC CRA disclosure data, 2024
- FDIC Summary of Deposits, June 30, 2026
- NYC ACRIS recorded mortgages, September 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Work at Morgan Stanley Bank, National Association? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem