Morgan Stanley Bank, N.A.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 4.69 percentage points lower than in Q1 2026, at 42.96%. Morgan Stanley Bank, N.A. has the 5th lowest loan-to-deposit ratio of the 44 banks headquartered in Utah, at 41.27% as of Q2 2026. The median for banks in the >= $250B asset tier is 61.69% on loan-to-deposit ratio. Morgan Stanley Bank, N.A. sits 20.41 points lower, at 41.27% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $79.43B |
| Cash and noninterest-bearing balances to assets | 18.94% |
| Cash and securities | $162.04B |
| Fed funds sold and reverse repos | $42.52B |
| Fed funds sold and reverse repos to assets | 10.14% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $21.10B |
| Other borrowed money | $32.78B |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.82% |
| Trading liabilities | $30.93B |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 41.27% |
| Net loans and leases to deposits | 41.05% |
| Loans and leases to core deposits | 42.96% |
| Core deposits to total deposits | 73.92% |
| Brokered deposits to total deposits | 22.43% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 44.09% | 78.13% | $0 | $6.07B |
| Q4 2023 | 45.26% | 78.86% | $0 | $8.18B |
| Q1 2024 | 43.84% | 78.99% | $0 | $10.13B |
| Q2 2024 | 48.23% | 76.39% | $0 | $12.96B |
| Q3 2024 | 45.43% | 75.97% | $0 | $15.89B |
| Q4 2024 | 45.41% | 76.95% | $0 | $17.56B |
| Q1 2025 | 50.02% | 75.77% | $1.03B | $18.95B |
| Q2 2025 | 49.43% | 73.64% | $0 | $17.39B |
| Q3 2025 | 50.51% | 72.01% | $0 | $18.10B |
| Q4 2025 | 49.66% | 72.07% | $501.0M | $18.32B |
| Q1 2026 | 44.72% | 70.73% | $20.67B | $28.16B |
| Q2 2026 | 41.27% | 73.92% | $21.10B | $32.78B |
Morgan Stanley Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Morgan Stanley Bank, N.A., freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Morgan Stanley Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32992) · FFIEC NIC profile (RSSD 1456501)