Morgan Stanley Bank, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Commercial and industrial: 4.10 percentage points lower than in Q1 2026, at 7.09%. 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. Morgan Stanley Bank, N.A. reported 41.27% on loan-to-deposit ratio for Q2 2026, 20.41 points below the 61.69% median for banks in the >= $250B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $115.12B |
| Net loans and leases | $114.51B |
| Loans held for sale | $13.75B |
| Loans to total assets | 27.45% |
| Loan-to-deposit ratio | 41.27% |
| Net loans to equity capital | 2.82% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.39% |
| Multifamily (5+ residential) | 0.61% |
| Commercial and industrial | 7.09% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 23.35% |
| Construction concentration (Tier 1 capital + allowance) | 0.62% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.62% |
| Interest income on loans | $1.62B |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $77.83B | $176.54B | 10.52% | 9.59% | 9.61% |
| Q4 2023 | $79.62B | $175.91B | 10.33% | 11.19% | 9.17% |
| Q1 2024 | $77.12B | $175.92B | 11.18% | 9.53% | 9.12% |
| Q2 2024 | $83.05B | $172.20B | 10.11% | 7.70% | 8.31% |
| Q3 2024 | $81.85B | $180.16B | 10.29% | 7.26% | 8.36% |
| Q4 2024 | $84.96B | $187.09B | 9.49% | 5.07% | 0.00% |
| Q1 2025 | $93.58B | $187.09B | 8.66% | 8.18% | 0.00% |
| Q2 2025 | $95.36B | $192.90B | 8.36% | 3.78% | 0.00% |
| Q3 2025 | $101.82B | $201.60B | 8.57% | 4.62% | 0.00% |
| Q4 2025 | $101.87B | $205.14B | 8.07% | 4.22% | 0.00% |
| Q1 2026 | $113.75B | $254.34B | 6.94% | 11.19% | 0.00% |
| Q2 2026 | $115.12B | $278.94B | 7.39% | 7.09% | 0.00% |
Morgan Stanley Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Morgan Stanley Bank, N.A., freeSource: Call Report Schedule RC-C, 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)