Morgan Stanley Private 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.
In Q2 2026, Cost of borrowings edged down by 0.12 percentage points, from 4.54% to 4.42%, the largest move among the key lines here. Morgan Stanley Private Bank, N.A. has the 4th lowest net interest margin of the 105 banks headquartered in New York, at 1.77% as of Q2 2026. Morgan Stanley Private Bank, N.A. reported 1.77% on net interest margin for Q2 2026, 1.10 points below the 2.88% median for banks in the >= $250B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.24% |
| Yield on loans | 4.54% |
| Yield on securities | 2.63% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.64% |
| Cost of interest-bearing deposits | 2.49% |
| Cost of interest-bearing liabilities | 2.72% |
| Cost of borrowings | 4.42% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 1.77% |
| Yield to cost spread | 1.52% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.12B |
| Total interest expense | $1.53B |
| Interest expense on deposits | $1.29B |
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 | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.63% | 2.73% | 2.07% | 4.78% | 3.88% |
| Q4 2023 | 4.42% | 2.94% | 1.69% | 4.89% | 2.61% |
| Q1 2024 | 4.42% | 2.99% | 1.64% | 4.86% | 2.55% |
| Q2 2024 | 4.49% | 3.03% | 1.68% | 4.97% | 2.57% |
| Q3 2024 | 4.58% | 3.24% | 1.58% | 5.14% | 2.58% |
| Q4 2024 | 4.41% | 2.96% | 1.67% | 4.92% | 2.52% |
| Q1 2025 | 4.25% | 2.72% | 1.72% | 4.73% | 2.43% |
| Q2 2025 | 4.32% | 2.80% | 1.73% | 4.80% | 2.63% |
| Q3 2025 | 4.42% | 2.90% | 1.72% | 4.90% | 2.68% |
| Q4 2025 | 4.32% | 2.70% | 1.81% | 4.80% | 2.64% |
| Q1 2026 | 4.18% | 2.57% | 1.77% | 4.50% | 2.71% |
| Q2 2026 | 4.24% | 2.64% | 1.77% | 4.54% | 2.63% |
Morgan Stanley Private 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 Private 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 Private Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34221) · FFIEC NIC profile (RSSD 2489805)