KEY COMMUNITY BANK

INVER GROVE HEIGHTS, MN | Small | Est. May 20, 1998, midnight | FDIC #34644 | RSSD #2610784 | FDIC
Latest Report: 2025-12-31

KEY COMMUNITY BANK is asn small FDIC-insured commercial bank headquartered in INVER GROVE HEIGHTS, MN, established in May 20, 1998, midnight. As of 2025-12-31, the bank reported total assets of $121M and total deposits of $110M. Profitability stands at 1.63% ROA and 18.18% ROE, with a net interest margin of 4.45%. The bank's CET1 capital ratio is 10.89%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.95% and a Texas Ratio of 29.58%. FDIC Certificate #34644.

Assets

$121M

Deposits

$110M

Loans

$97M

Equity

$11M

Profitability

Return on Assets (ROA) 1.63%
Return on Equity (ROE) 18.18%
Net Interest Margin (NIM) 4.45%
Yield on Assets 6.40%
Cost of Funds 1.98%

Asset Quality

NPL Ratio 2.95%
Net Charge-Off Ratio 0.01%
Texas Ratio 29.58%
NPA Ratio 2.88%
ACL / Loans 1.28%

Capital & Liquidity

CET1 Ratio 10.89%
Tier 1 Capital 10.89%
Total Capital Ratio 12.14%
Leverage Ratio 9.42%
Loan-to-Deposit 87.89%

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