Key Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Key Community Bank of Inver Grove Heights, MN against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.67% | 1.35% | +0.32% | 73rd above |
| ROAE | 16.01% | 12.05% | +3.96% | 71st above |
| Net Interest Margin | 4.05% | 3.90% | +0.15% | 56th above |
| Efficiency Ratio | 74.93% | 63.14% | +11.79% | 20th bottom |
| PPNR / Avg Assets | 1.04% | 1.64% | -0.60% | 22nd bottom |
| Yield on Earning Assets | 6.01% | 5.65% | +0.36% | 69th above |
| Cost of Funds | 2.13% | 1.85% | +0.28% | 30th below |
| Net Interest Spread | 3.21% | 3.35% | -0.14% | 44th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.43% | 0.92% | -0.49% | 49th below |
| NPA / Total Assets | 2.34% | 0.67% | +1.67% | 6th bottom |
| NCO / Avg Loans | 2.64% | 0.14% | +2.50% | 1st bottom |
| ACL / Total Loans | 1.28% | 1.28% | +0.00% | 59th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 298.88% | 1645.71% | -1346.83% | 60th above |
| Texas Ratio | 19.75% | 7.14% | +12.61% | 8th bottom |
| Provision / NCO | 114.59% | 1189.85% | -1075.26% | 44th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.66% | 12.46% | -1.80% | 44th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.72% | 11.67% | -0.95% | 56th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.72% | 11.40% | -0.68% | 60th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 97.02% | 78.64% | +18.38% | 15th bottom |
| Core Deposit Ratio | 81.21% | 87.10% | -5.89% | 19th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.60% | 6.48% | -3.88% | 36th below |
| Loan Growth (Y/Y) | 8.21% | 7.64% | +0.57% | 66th above |
| Deposit Growth (Y/Y) | 9.95% | 6.02% | +3.93% | 82nd top |
See Key Community Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Key Community Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Key Community Bank profile, how to read a UBPR, or how this data updates.