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Key National Trust Company of Delaware

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Wilmington, DE Under $100M in assets RSSD #4368351 Routing #031151203

Data as of · sourced from FFIEC call reports. How we update

Key National Trust Company of Delaware is an FDIC-insured bank headquartered in Wilmington, DE. At Q2 2026 it reported total assets of $9.9M, up 9.2% from Q2 2025.

Charter
Bank
Deposit insurance
FDIC
FDIC certificate
Not reported
Headquarters
Wilmington, DE
Established
Not reported
Total assets, Q2 2026
$9.9M
Assets vs Q2 2025
+9.2%
Capital ratio
Not reported
Domestic offices
Not reported
Routing number
031151203
Latest call report
Q2 2026, FFIEC 041 · Key National Trust Company of Delaware call report
Assets
$9.9M
Deposits
$0
Loans
$0
Equity
$9.7M

Key National Trust Company of Delaware runs leaner than most banks of its size. It reported $9.9 million in assets at June 30, 2026, up 9.2% from a year earlier. It spends about 22 cents to bring in each dollar of revenue, about a third the median of 69 cents for the 533 banks with less than $100 million in assets. It also holds common equity equal to 467.81% of its risk-weighted assets, 22.5 times the median of 20.80% for banks its size.

Net income for the quarter rose 16% from a year earlier, to $309,000.

As of June 30, 2026, Key National Trust Company of Delaware reported a CET1 capital ratio of 467.81%, a return on assets of 12.81% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.

Between Q1 2026 and Q2 2026, its total assets rose 3.3% to $9.9M. Judged on its Q2 2026 call report, Key National Trust Company of Delaware meets every capital ratio test for well capitalized.

Headquarters Profile

Metro Area
Philadelphia-Camden-Wilmington, Pa-NJ-De-MD
Federal Reserve member
—
Federal Reserve district
District 3, Philadelphia
Fiduciary (trust) powers
—
Call Report form
FFIEC 041
Employees (FTE)
1
Domestic deposits
$0
Allowance for credit losses
$0
Net charge-offs (YTD)
$0
Average total assets
$9.6M
Average total loans
$0
Average interest-bearing deposits
$0
Fed RSSD
4368351
SEC CIK
91576 → filed by KEYCORP
Ultimate Parent
KEYCORP (RSSD 1068025)

Management

Senior officers at parent holding company, from SEC Form 3/4/5 disclosures

Name Role Title
Christopher M. Gorman CEO Chairman and CEO
Clark H Khayat CFO Chief Financial Officer
Mohit Ramani CRO Chief Risk Officer
Amy G. Brady CIO Chief Information Officer
James L Waters GC General Counsel and Secretary

Profitability

Q2 annualized
Return on Assets12.81%YTD 9.44%
Return on Equity12.98%YTD 9.55%
Net Interest Margin9.38%YTD 7.81%

Balance Sheet

Total liabilities$191K
Cash & balances due$9.6M
Securities, available-for-sale$0
Securities, held-to-maturity$0
Goodwill & intangibles$0

Income Statement

Net income Q2$309K
Net interest income YTD$5K
Total interest income YTD$5K
Total interest expense YTD$0
Provision for credit losses YTD$0

Operating & Funding

Total noninterest income YTD$967K
Total noninterest expense YTD$378K

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. How we compute these figures

Quarterly trends

Key National Trust Company of Delaware's total assets moved between a low of $7.2M (Q3 2023) and a high of $9.9M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built

Total assets and total liabilities

$9.9M total assets against $9.0M; $191K total liabilities against $203K.

Loans and leases against deposits

$0 net loans and leases against $0; $0 total deposits against $0.

Securities and cash

$0 securities against $0; $9.6M cash and balances due against $8.8M.

Interest income against interest expense

$3K total interest income against $3K; $0 total interest expense against $0.

Net interest income

$3K net interest income against $3K.

Noninterest income against noninterest expense

$523K total noninterest income against $485K; $118K total noninterest expense against $137K.

Provision for credit losses

No provision recorded in the last 12 quarters.

Net income

$309K net income against $266K.

Return on assets and net interest margin

12.81% return on assets against 12.06%; 9.38% net interest margin against 9.38%.

CET1 and Tier 1 leverage ratios

467.81% CET1 capital ratio against 478.75%; 100.31% tier 1 leverage ratio against 100.16%.

Inside the full Key National Trust Company of Delaware terminal

21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts

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Quarterly trend: last 8 quarters

From Q3 2024 to Q2 2026, its return on assets ran from 5.99% (Q1 2026) to 17.87% (Q4 2024) and its net interest margin ran from 6.25% (Q3 2024) to 9.38% (Q4 2024).

Quarter CET1 ROA NPL Texas NIM
Q2 2026 467.81% 12.81% — 0.00% 9.38%
Q1 2026 468.97% 5.99% — 0.00% 6.25%
Q4 2025 490.38% 9.85% — 0.00% 9.38%
Q3 2025 486.65% 7.58% — 0.00% 6.25%
Q2 2025 478.75% 12.06% — 0.00% 9.38%
Q1 2025 477.00% 9.47% — 0.00% 6.25%
Q4 2024 475.50% 17.87% — 0.00% 9.38%
Q3 2024 473.52% 14.84% — 0.00% 6.25%

Swipe the table sideways to see every column.

Regulatory record

Facts as filed or published, not a rating.

Enforcement actions
None against the institution on file; 2 against individuals associated with it
Period: Most recent action July 28, 2003. Source: FDIC, Federal Reserve and OCC enforcement releases.
Consumer complaints
935 complaints in the last 4 full quarters. Raw counts, not adjusted for size
Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
Not on file
Deposit market share, Mortgage lending (HMDA), SBA 7(a) lending, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources

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Key National Trust Company of Delaware: regulatory capital profile · BankRegReports

Frequently asked about Key National Trust Company of Delaware

What are Key National Trust Company of Delaware's total assets?

As of the Q2 2026 filing, Key National Trust Company of Delaware reported total assets of $9.9 million in its FFIEC call report.

Where is Key National Trust Company of Delaware headquartered?

It is headquartered in Wilmington, DE, United States.

What is Key National Trust Company of Delaware's CET1 capital ratio?

It reported a Common Equity Tier 1 (CET1) capital ratio of 467.81% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.

What is Key National Trust Company of Delaware's Texas Ratio?

Its Texas Ratio is 0.00% 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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