Morgan Stanley Private 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 CRE concentration (Tier 1 capital + allowance): 3.57 percentage points higher than in Q1 2026, at 45.90%. 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). Morgan Stanley Private Bank, N.A. reported 88.47% on loan-to-deposit ratio for Q2 2026, 26.78 points above the 61.69% median for banks in the >= $250B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $187.26B |
| Net loans and leases | $186.88B |
| Loans held for sale | $5.0M |
| Loans to total assets | 74.78% |
| Loan-to-deposit ratio | 88.47% |
| Net loans to equity capital | 11.03% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 2.89% |
| Multifamily (5+ residential) | 0.81% |
| Commercial and industrial | 0.00% |
| Consumer | 0.26% |
| 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) | 45.90% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 4.54% |
| Interest income on loans | $2.12B |
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 | $132.70B | $180.07B | 3.74% | 3.76% | 19.41% |
| Q4 2023 | $133.63B | $185.33B | 3.78% | 3.86% | 19.09% |
| Q1 2024 | $134.76B | $184.26B | 3.84% | 3.86% | 18.99% |
| Q2 2024 | $138.32B | $188.56B | 3.86% | 3.81% | 18.75% |
| Q3 2024 | $142.79B | $190.35B | 3.89% | 3.70% | 18.74% |
| Q4 2024 | $146.78B | $199.21B | 3.66% | 0.00% | 0.35% |
| Q1 2025 | $149.99B | $203.57B | 3.73% | 0.00% | 0.31% |
| Q2 2025 | $156.23B | $212.45B | 3.71% | 0.00% | 0.30% |
| Q3 2025 | $161.24B | $213.79B | 3.64% | 0.00% | 0.34% |
| Q4 2025 | $174.39B | $222.60B | 3.16% | 0.00% | 0.34% |
| Q1 2026 | $178.31B | $205.80B | 3.09% | 0.00% | 0.37% |
| Q2 2026 | $187.26B | $211.67B | 2.89% | 0.00% | 0.26% |
Morgan Stanley Private 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 Private 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 Private Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34221) · FFIEC NIC profile (RSSD 2489805)