CharterBench

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Up to 5 institutions side by side, or one against its peer median.
KeyBank National Association
Cleveland, OH
Peer median · banks 10B+
160 institutions
Profile
TypeBank · OCC
Established1849
Latest reportQ2 2026
Size
Total assets$188.56B
Deposits$158.48B
Loans$110.35B
Offices950
Growth (year over year)
Assets+3.3%
Deposits+4.3%
Loans+4.4%
Profitability
Return on assets
Annualized net income ÷ assets
1.28%1.23%
Return on equity
Annualized net income ÷ equity or net worth
12.5%11.3%
Net interest margin
Interest income − interest expense, ÷ assets
3.11%3.55%
Efficiency ratio
Operating expense ÷ revenue — lower is leaner
54.8%54.9%
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%
Balance sheet
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%
Capital
Capital ratio
Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7%
00.0%00.0%
Credit quality
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%
Franchise
Assets per office
Branch efficiency; high numbers usually mean digital-first
00.0%00.0%
11 more ratios in the comparison.

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Growth and ratio rows highlight the strongest value in green. Ratios use each institution’s latest call report; peer median is the first institution’s asset band and charter type.