Morgan Stanley Bank, N.A.: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The standout move of Q2 2026 was in Cost of borrowings: 1.52 percentage points higher than in Q1 2026, at 8.73%. Morgan Stanley Bank, N.A. has the 2nd lowest net interest margin of the 44 banks headquartered in Utah, at 1.34% as of Q2 2026. Morgan Stanley Bank, N.A.'s net interest margin of 1.34% is well below the 2.88% median for banks in the >= $250B asset tier, a gap of 1.53 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.30% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.57% |
| Cost of interest-bearing deposits | 2.30% |
| Cost of interest-bearing liabilities | 3.53% |
| Cost of borrowings | 8.73% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 1.34% |
| Yield to cost spread | 0.77% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.62B |
| Total interest expense | $2.78B |
| Interest expense on deposits | $1.51B |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin |
|---|---|---|---|
| Q3 2023 | 5.46% | 2.84% | 2.86% |
| Q4 2023 | 5.41% | 3.30% | 2.45% |
| Q1 2024 | 5.25% | 3.17% | 2.41% |
| Q2 2024 | 5.49% | 3.32% | 2.54% |
| Q3 2024 | 5.46% | 3.49% | 2.36% |
| Q4 2024 | 5.03% | 3.23% | 2.14% |
| Q1 2025 | 4.68% | 3.06% | 1.92% |
| Q2 2025 | 4.82% | 3.14% | 2.00% |
| Q3 2025 | 4.78% | 3.18% | 1.90% |
| Q4 2025 | 4.41% | 2.93% | 1.77% |
| Q1 2026 | 4.19% | 3.38% | 1.40% |
| Q2 2026 | 4.30% | 3.57% | 1.34% |
Morgan Stanley Bank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Morgan Stanley Bank, N.A., freeSource: Call Report Schedules RI and RC-K, 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)