This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Purchase, NY
Health score
82.5
Total assets
$250.4B
Bank
New York, NY
Health score
65.3
Total assets
$425.1B
Answer first
Morgan Stanley Private Bank, National Association leads on financial health and capitalization; The Bank of New York Mellon leads on profitability and lending quality and growth. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Morgan Stanley Private Bank, National Association
Higher TFS health score
Capitalization
Morgan Stanley Private Bank, National Association
Higher comparable capital ratio
Profitability
The Bank of New York Mellon
Higher return on assets
Lending quality
The Bank of New York Mellon
Lower problem-loan measure
Growth
The Bank of New York Mellon
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Morgan Stanley Private Bank, National Association | The Bank of New York Mellon |
|---|---|---|
| TFS health score | 82.5/100Leads | 65.3/100 |
| Total assets | $250.4B | $425.1B |
| Total deposits / shares | $211.7B | $372.6B |
| Tier 1 capital ratio | 6.65%Leads | 6.20% |
| Return on assets | 1.14% | 1.36%Leads |
| Return on equity | 16.07% | 19.63% |
Morgan Stanley Private Bank, National Association
1 branches
The Bank of New York Mellon
26 branches
Both institutions report branches in 1 state: NY.
Morgan Stanley Private Bank, National Association
Unavailable
The Bank of New York Mellon
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Morgan Stanley Private Bank, National Association
0 in TFS registry
The Bank of New York Mellon
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Morgan Stanley Private Bank, National Association score | Morgan Stanley Private Bank, National Association ROA | The Bank of New York Mellon score | The Bank of New York Mellon ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 0.99% | — | 0.98% |
| 2024-Q4 | — | 0.98% | — | 1.01% |
| 2025-Q1 | — | 1.02% | — | 1.26% |
| 2025-Q2 | — | 1.04% | — | 1.26% |
| 2025-Q3 | — | 1.07% | — | 1.27% |
| 2025-Q4 | — | 1.10% | — | 1.31% |
| 2026-Q1 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| Non-performing loans | 0.20% | 0.04%Leads |
| Net charge-offs | 0.01% | -0.05%Leads |
| Efficiency ratio | 24.76%Leads | 57.49% |
| Loan-to-deposit ratio | 88.29% | 12.47% |
| Asset growth (YoY) | 6.55% | 6.73%Leads |
| Deposit / share growth (YoY) | -0.37% | 7.02%Leads |
| Branches | 1 | 26 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 81.9/100 |
| 1.19% |
| 55.1/100 |
| 1.29% |
| 2026-Q2 | 82.5/100 | 1.14% | 65.3/100 | 1.36% |