diff --git a/ssh/server.go b/ssh/server.go
index 3c0fcc953e..c01a8f59c6 100644
--- a/ssh/server.go
+++ b/ssh/server.go
@@ -804,7 +804,8 @@ userAuthLoop:
 				if len(payload) > 0 {
 					return nil, parseError(msgUserAuthRequest)
 				}
-				_, isPartialSuccessError := candidate.result.(*PartialSuccessError)
+				var _partialSuccessForQuery *PartialSuccessError
+				isPartialSuccessError := errors.As(candidate.result, &_partialSuccessForQuery)
 				if candidate.result == nil || isPartialSuccessError {
 					okMsg := userAuthPubKeyOkMsg{
 						Algo:   algo,
@@ -946,7 +947,8 @@ userAuthLoop:
 
 		var failureMsg userAuthFailureMsg
 
-		if partialSuccess, ok := authErr.(*PartialSuccessError); ok {
+		var partialSuccess *PartialSuccessError
+		if errors.As(authErr, &partialSuccess) {
 			// Permissions are not preserved between authentication steps. To
 			// avoid confusion about the final state of the connection, we
 			// disallow returning non-nil Permissions combined with
diff --git a/ssh/server_multi_auth_test.go b/ssh/server_multi_auth_test.go
index 3b39802437..0722b8a3cd 100644
--- a/ssh/server_multi_auth_test.go
+++ b/ssh/server_multi_auth_test.go
@@ -410,3 +410,79 @@ func TestDynamicAuthCallbacks(t *testing.T) {
 		t.Fatal("server not returned partial success")
 	}
 }
+
+// TestBannerWrappingPartialSuccess verifies that a PartialSuccessError wrapped
+// inside a BannerError is correctly processed: the banner is sent and the
+// partial success is honoured (i.e. the Next auth callbacks are used for the
+// second step). Prior to the fix, the direct type-assertion
+// authErr.(*PartialSuccessError) missed the wrapped value while
+// errors.As(authErr, &bannerErr) had already unwrapped it, causing the
+// PartialSuccess to be silently discarded and authFailures to be incremented
+// instead.
+func TestBannerWrappingPartialSuccess(t *testing.T) {
+	var bannerReceived string
+
+	serverConfig := &ServerConfig{
+		PublicKeyCallback: func(conn ConnMetadata, key PublicKey) (*Permissions, error) {
+			if !bytes.Equal(key.Marshal(), testPublicKeys["rsa"].Marshal()) {
+				return nil, errors.New("unknown key")
+			}
+			// Return BannerError wrapping PartialSuccessError.
+			// The server wants to send a banner AND require a second factor.
+			return nil, &BannerError{
+				Err: &PartialSuccessError{
+					Next: ServerAuthCallbacks{
+						PasswordCallback: func(conn ConnMetadata, password []byte) (*Permissions, error) {
+							if string(password) == clientPassword {
+								return &Permissions{}, nil
+							}
+							return nil, errors.New("wrong password")
+						},
+					},
+				},
+				Message: "Two-factor auth required\n",
+			}
+		},
+		BannerCallback: func(conn ConnMetadata) string { return "" },
+	}
+
+	clientConfig := &ClientConfig{
+		User: "testuser",
+		Auth: []AuthMethod{
+			PublicKeys(testSigners["rsa"]),
+			Password(clientPassword),
+		},
+		HostKeyCallback:   InsecureIgnoreHostKey(),
+		BannerCallback: func(msg string) error {
+			bannerReceived = msg
+			return nil
+		},
+	}
+
+	serverAuthErrors, err := doClientServerAuth(t, serverConfig, clientConfig)
+	if err != nil {
+		t.Fatalf("expected successful login, got: %v", err)
+	}
+
+	// Verify banner was sent to the client.
+	if bannerReceived != "Two-factor auth required\n" {
+		t.Errorf("banner not received; got %q", bannerReceived)
+	}
+
+	// Auth log entries:
+	// 0: ErrNoAuth from the initial 'none' attempt (always happens)
+	// 1: BannerError wrapping PartialSuccessError (publickey step)
+	// 2: nil (password step succeeds)
+	if len(serverAuthErrors) != 3 {
+		t.Fatalf("expected 3 auth log entries, got %d: %v", len(serverAuthErrors), serverAuthErrors)
+	}
+	// The second entry wraps a *PartialSuccessError inside a *BannerError.
+	var partialSuccessErr *PartialSuccessError
+	if !errors.As(serverAuthErrors[1], &partialSuccessErr) {
+		t.Errorf("second auth log entry should wrap *PartialSuccessError, got %T: %v",
+			serverAuthErrors[1], serverAuthErrors[1])
+	}
+	if serverAuthErrors[2] != nil {
+		t.Errorf("third auth log entry should be nil (success), got: %v", serverAuthErrors[2])
+	}
+}