Morgan Stanley Private 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 Fed funds sold and reverse repos: 58.4% lower than in Q1 2026, at $1.74B. Morgan Stanley Private Bank, N.A. ranks 46th of 105 New York banks on loan-to-deposit ratio, in the upper half at 88.47% (Q2 2026). The median for banks in the >= $250B asset tier is 61.69% on loan-to-deposit ratio. Morgan Stanley Private Bank, N.A. sits 26.78 points higher, at 88.47% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $17.18B |
| Cash and noninterest-bearing balances to assets | 6.86% |
| Cash and securities | $56.97B |
| Fed funds sold and reverse repos | $1.74B |
| Fed funds sold and reverse repos to assets | 0.70% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $20.32B |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.12% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.47% |
| Net loans and leases to deposits | 88.29% |
| Loans and leases to core deposits | 89.32% |
| Core deposits to total deposits | 73.59% |
| Brokered deposits to total deposits | 25.74% |
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 | 73.69% | 81.24% | $0 | $512.0M |
| Q4 2023 | 72.10% | 83.73% | $255.0M | $499.0M |
| Q1 2024 | 73.14% | 83.60% | $0 | $699.0M |
| Q2 2024 | 73.35% | 81.64% | $0 | $694.0M |
| Q3 2024 | 75.01% | 79.43% | $0 | $733.0M |
| Q4 2024 | 73.68% | 80.85% | $0 | $3.66B |
| Q1 2025 | 73.68% | 80.17% | $200.0M | $695.0M |
| Q2 2025 | 73.54% | 79.64% | $0 | $3.73B |
| Q3 2025 | 75.42% | 78.56% | $0 | $6.79B |
| Q4 2025 | 78.34% | 78.42% | $0 | $12.75B |
| Q1 2026 | 86.64% | 74.44% | $0 | $15.24B |
| Q2 2026 | 88.47% | 73.59% | $0 | $20.32B |
Morgan Stanley Private 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 Private 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 Private Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34221) · FFIEC NIC profile (RSSD 2489805)