| Metric | Key Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +4.4% | -1.8 pts |
| Deposit growth (YoY) | +9.9% | +4.0% | +6.0 pts |
| Loan growth (YoY) | +8.1% | +5.6% | +2.6 pts |
| ROA | -0.11% | 1.24% | -1.3 pts |
| ROE | -1.1% | 11.9% | -13.0 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $121.0M | $107.6M | $103.1M | $13.0M | $-68K | -0.11% | 4.13% | 1.97% |
| Q1 2026 | $123.8M | $102.0M | $104.3M | $12.5M | $-577K | -1.89% | 4.14% | 2.79% |
| Q4 2025 | $121.0M | $109.9M | $95.4M | $10.5M | $1.6M | 1.37% | 4.13% | 2.88% |
| Q3 2025 | $108.8M | $98.2M | $93.0M | $10.1M | $1.1M | 1.30% | 4.16% | 0.60% |
| Q2 2025 | $118.0M | $97.9M | $95.3M | $9.7M | $734K | 1.27% | 4.11% | 0.00% |
| Q1 2025 | $115.9M | $99.4M | $91.7M | $9.3M | $357K | 1.25% | 4.06% | 0.00% |
| Q4 2024 | $112.1M | $94.1M | $88.6M | $9.6M | $1.2M | 1.09% | 3.68% | 0.00% |
| Q3 2024 | $111.2M | $97.9M | $87.7M | $9.1M | $759K | 0.93% | 3.51% | 0.00% |
Loan mix (Q2 2026): real estate $95.5M · commercial $4.7M · consumer $3.7M · securities $3.5M
| Ratio | Key Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.11% | 1.24% | 3rd | |
Return on equity Annualized net income ÷ equity or net worth | -1.1% | 11.9% | 3rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.13% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.8% | 62.9% | 63rd |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Key Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Key Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Key Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Key Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Key Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2024) · $97.9M branch deposits. Biggest market: Dakota, MN, ranked 28th with 0.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Dakota, MN | 1 | $97.9M | 0.75% | 28th |
Minnesota: 241st with 0.03% · Minneapolis-St. Paul-Bloomington metro: 117th, 0.04% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1