Key Community Bank
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Data as of · sourced from FFIEC call reports. How we update
Key Community Bank is an FDIC-insured commercial bank headquartered in Inver Grove Heights, MN, established in 1998 (FDIC certificate 34644), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $121.0M, up 2.6% from Q2 2025, the 152nd largest of 221 banks headquartered in Minnesota. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.66% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 34644
- Headquarters
- Inver Grove Heights, MN
- Established
- 1998
- Total assets, Q2 2026
- $121.0M
- Assets vs Q2 2025
- +2.6%
- Tier 1 leverage ratio, Q2 2026
- 10.66%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 096016888
- Holding company
- INVER GROVE BANCSHARES, INC.
- Asset rank in state
- 152nd of 221 in Minnesota
Key Community Bank leans heavily on commercial real estate. Its balance sheet stood at $121 million at June 30, 2026, up 2.6% from a year earlier; it is based in Inver Grove Heights, Minnesota. It holds commercial real estate loans worth 3.1 times its capital, 2.6 times the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 16.6% of the capital and reserves that would absorb them, 6.3 times the median of 2.6% for banks its size.
Earnings jumped: net income for the quarter was $509,000, 35% above the same quarter a year earlier. Costs are the weak spot: it spends about 75 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Key Community Bank reported a return on assets of 1.67%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 16.63%. The figures come from its call report filed with the FFIEC.
Key Community Bank ranks as the 152nd largest of the 221 banks based in Minnesota, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 2.2% to $121.0M, loans fell 2.0% and deposits rose 5.5%. Non-owner-occupied commercial real estate loans made up 35.7% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 30.8%. Its one office in the FDIC Summary of Deposits is in Inver Grove Heights, MN. By the capital ratios in its Q2 2026 call report, Key Community Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 5684 Bishop Ave, Inver Grove Heights, MN 55076
- County
- Dakota
- Metro Area
- Minneapolis-St. Paul-Bloomington, MN-WI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 20, 1998
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 15
- Domestic deposits
- $107.6M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $699K
- Average total assets
- $121.7M
- Average total loans
- $105.8M
- Average interest-bearing deposits
- $82.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 20, 1998
- FDIC Cert
- 34644
- Fed RSSD
- 2610784
- Website
- www.keycommunitybank.com →
- Parent Holding Company
- INVER GROVE BANCSHARES, INC. (RSSD 2610766)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Key Community Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Key Community Bank's total assets moved between a low of $101.2M (Q3 2023) and a high of $123.8M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$121.0M total assets against $118.0M; $108.1M total liabilities against $108.3M.
$103.1M net loans and leases against $95.3M; $107.6M total deposits against $97.9M.
$3.5M securities against $2.5M; $10.2M cash and balances due against $18.0M.
$1.8M total interest income against $1.6M; $583K total interest expense against $471K.
$1.2M net interest income against $1.2M.
$65K total noninterest income against $47K; $947K total noninterest expense against $739K.
-$276K provision for credit losses against $36K.
$509K net income against $377K.
1.67% return on assets against 1.38%; 4.05% net interest margin against 4.37%.
10.66% tier 1 leverage ratio against 8.85%.
Inside the full Key Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Key Community Bank rankings
Its closest position to the top of a national ranking is 254 of 3,640, for Texas Ratio; its furthest is 3,042 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -1.97% (Q1 2026) to 1.68% (Q4 2025) and its net interest margin ran from 4.03% (Q3 2024) to 4.37% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.66% | 1.67% | 0.00% | 16.63% | 4.05% |
| Q1 2026 | 10.65% | -1.97% | 2.67% | 23.38% | 4.27% |
| Q4 2025 | 9.42% | 1.68% | 2.95% | 29.58% | 4.36% |
| Q3 2025 | 9.13% | 1.37% | 0.00% | 5.76% | 4.21% |
| Q2 2025 | 8.85% | 1.38% | 0.00% | 0.00% | 4.37% |
| Q1 2025 | 8.79% | 1.35% | 0.00% | 0.00% | 4.31% |
| Q4 2024 | 8.98% | 1.63% | 0.00% | 0.00% | 4.29% |
| Q3 2024 | 8.94% | 1.31% | 0.00% | 0.00% | 4.03% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Key Community Bank (main office) | Inver Grove Heights , MN | 55076 | $107.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MN, rank 187 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $187K approved, $187K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2004 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Key Community Bank
What are Key Community Bank's total assets?
As of the Q2 2026 filing, Key Community Bank reported total assets of $121.0 million in its FFIEC call report.
Where is Key Community Bank headquartered?
It is headquartered in Inver Grove Heights, MN, United States.
When was Key Community Bank founded?
It was established in 1998, per the FDIC institution directory.
Is Key Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34644). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Key Community Bank?
Key Community Bank's primary federal regulator is the FDIC.
How many branches does Key Community Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Key Community Bank's Texas Ratio?
Its Texas Ratio is 16.63% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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