Bank Comparison
Capital One, N.A. vs KeyBank N.A.
BankRegReports is independent of Capital One, N.A. and KeyBank N.A. and never asks for online banking logins or passwords.
At Q2 2026, Capital One, N.A. is the larger bank, with $662.16B in total assets to KeyBank N.A.'s $188.56B; Capital One, N.A. has the higher CET1 ratio (13.21% vs 12.27%) and the higher return on assets (1.92% vs 1.28%).
vs
11 · 6
winning metrics across 17 scored rows
Compare a different pair
Search for a bank in each box, choose it from the list, then press Compare.
Capital adequacy
| Metric | Capital One, N.A. | KeyBank N.A. |
|---|---|---|
| CET1 Ratio | 13.21% | 12.27% |
| Tier 1 Capital Ratio | 13.21% | 12.27% |
| Total Capital Ratio | 14.88% | 14.05% |
| Tier 1 Leverage Ratio | 10.58% | 9.92% |
| Equity / Assets | 14.91% | 9.93% |
Profitability
| Metric | Capital One, N.A. | KeyBank N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.92% | 1.28% |
| Return on Equity (ROE) | 13.20% | 12.83% |
| Net Interest Margin (NIM) | 8.06% | 3.06% |
| Yield on Earning Assets | 10.57% | 4.73% |
| Cost of Funds | 2.88% | 1.75% |
Asset quality
| Metric | Capital One, N.A. | KeyBank N.A. |
|---|---|---|
| Texas Ratio | 8.50% | 5.09% |
| Non-Performing Loan Ratio | 1.49% | 0.86% |
| Non-Performing Asset Ratio | 1.05% | 0.51% |
| Net Charge-Off Ratio | 3.23% | 0.42% |
| ACL / Loans | 5.02% | 1.30% |
Balance sheet
| Metric | Capital One, N.A. | KeyBank N.A. |
|---|---|---|
| Total Assets | $662.16B | $188.56B |
| Total Deposits | $512.60B | $158.48B |
| Total Loans | $457.43B | $111.81B |
| Total Equity | $98.72B | $18.73B |
| Net Income (quarter) | $3.23B | $602.3M |
Liquidity & funding
| Metric | Capital One, N.A. | KeyBank N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 89.24% | 70.55% |
| Core Deposit Ratio | 93.26% | 95.54% |
| Uninsured Deposit Ratio | 20.82% | 51.83% |
Identity
| Metric | Capital One, N.A. | KeyBank N.A. |
|---|---|---|
| Headquarters City | McLean | Cleveland |
| Headquarters State | VA | OH |
| Asset Tier | $250B or more in assets | $100B to $250B in assets |
| Regulator | OCC | OCC |
| Domestic Branches | 249 | 952 |
| Employees (FTE) | 90,255 | 18,026 |
| Established | May 22, 1933 | January 1, 1849 |
Related bank comparisons
Capital One vs Wells Fargo Bank · Capital One vs Citibank · Capital One vs Bank of America · Capital One vs First-Citizens Bank & Trust Company · The Northern Trust Company vs KeyBank N.A. · Regions Bank vs KeyBank N.A. · KeyBank N.A. vs Wells Fargo Bank · KeyBank N.A. vs Citibank
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
View full Capital One, N.A. profile | View full KeyBank N.A. profile | Browse all bank comparisons