KeyBank N.A.
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Data as of · sourced from FFIEC call reports. How we update
KeyBank N.A. is an FDIC-insured commercial bank headquartered in Cleveland, OH, established in 1849 (FDIC certificate 17534), and it is supervised by the OCC. At Q2 2026 it reported total assets of $188.56B, up 3.3% from Q2 2025, the 5th largest of 154 banks headquartered in Ohio. Its CET1 capital ratio was 12.27% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 17534
- Headquarters
- Cleveland, OH
- Established
- 1849
- Total assets, Q2 2026
- $188.56B
- Assets vs Q2 2025
- +3.3%
- CET1 ratio, Q2 2026
- 12.27%
- Domestic offices
- 952 FDIC institution directory, current count
- Routing number
- 041001039
- Latest call report
- Q2 2026, FFIEC 031 · KeyBank N.A. call report
- Holding company
- KEYCORP
- Asset rank in state
- 5th of 154 in Ohio
KeyBank N.A. is the 23rd-largest bank in the United States, with $188.6 billion in assets at June 30, 2026, up 3.3% from a year earlier. It is headquartered in Cleveland, Ohio, and operates 952 domestic branches. It holds about half of its deposits (52%) above the FDIC insurance limit, higher than about 9 in 10 of the 14 banks with $100 billion to $250 billion in assets (median 37.3%). It also keeps 3.06 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.43 cents).
Net income for the quarter rose 19% from a year earlier, to $602 million. Unrealized losses on its securities total $2.9 billion, equal to 16% of Tier 1 capital, against 18% a year earlier.
As of June 30, 2026, KeyBank N.A. reported a CET1 capital ratio of 12.27%, a return on assets of 1.28%, a nonperforming-loan ratio of 0.86% and a Texas ratio of 5.09%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, KeyBank N.A. is the 5th largest of the 154 banks headquartered in Ohio. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.4% to $188.56B, loans rose 1.4% and deposits rose 3.4%. Commercial and industrial loans made up 33.4% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 21.3%. By the capital ratios in its Q2 2026 call report, KeyBank N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 127 Public Sq, Cleveland, OH 44114
- County
- Cuyahoga
- Metro Area
- Cleveland, OH
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- January 1, 1849
- Former names
- Society National Bank (1980-1996)
- Domestic offices
- 952 FDIC institution directory, current count
- Employees (FTE)
- 18,026
- Domestic deposits
- $158.48B
- Allowance for credit losses
- $1.45B
- Net charge-offs (YTD)
- $216.2M
- Average total assets
- $188.27B
- Average total loans
- $109.22B
- Average interest-bearing deposits
- $125.53B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 16, 1956
- FDIC Cert
- 17534
- Fed RSSD
- 280110
- SEC CIK
- 91576 → filed by KEYCORP
- Website
- www.key.com →
- Parent Holding Company
- KEYCORP (RSSD 1068025) · KEY
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 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, KeyBank N.A.'s total assets ran between $181.71B (Q4 2025) and $188.56B (Q2 2026), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$188.56B total assets against $182.59B; $169.83B total liabilities against $164.24B.
$110.35B net loans and leases against $105.69B; $158.48B total deposits against $152.00B.
$47.98B securities against $47.58B; $14.11B cash and balances due against $13.31B.
$2.05B total interest income against $2.09B; $724.7M total interest expense against $873.5M.
$1.32B net interest income against $1.22B.
$569.5M total noninterest income against $564.5M; $1.04B total noninterest expense against $1.00B.
$92.3M provision for credit losses against $137.3M.
$602.3M net income against $504.6M.
1.28% return on assets against 1.08%; 3.06% net interest margin against 2.83%.
12.27% CET1 capital ratio against 12.90%; 9.92% tier 1 leverage ratio against 9.81%.
Inside the full KeyBank N.A. 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.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
KeyBank N.A. rankings
Its closest position to the top of a national ranking is 23 of 4,196, for total assets; its furthest is 1,628 of 2,134, for CET1 ratio.
Metric pages for KeyBank N.A.: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.64% (Q3 2024) to 1.28% (Q2 2026) and its net interest margin ran from 2.37% (Q3 2024) to 3.06% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.27% | 1.28% | 0.86% | 5.09% | 3.06% |
| Q1 2026 | 12.49% | 1.25% | 0.82% | 4.79% | 3.02% |
| Q4 2025 | 12.75% | 1.25% | 0.74% | 4.07% | 2.99% |
| Q3 2025 | 12.83% | 1.24% | 0.79% | 4.43% | 2.94% |
| Q2 2025 | 12.90% | 1.08% | 0.80% | 4.56% | 2.83% |
| Q1 2025 | 13.04% | 1.04% | 0.81% | 4.72% | 2.74% |
| Q4 2024 | 12.94% | -0.40% | 0.89% | 5.54% | 2.60% |
| Q3 2024 | 12.43% | -0.64% | 0.94% | 5.99% | 2.37% |
Swipe the table sideways to see every column.
Branch Network
View all 951 branches → 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 |
|---|---|---|---|
| KeyBank N.A. (main office) | Cleveland , OH | 44114 | $57.90B |
| Key Plaza Branch | Albany , NY | 12207 | $6.11B |
| Seattle Trust Bellevue Branch | Bellevue , WA | 98004 | $3.02B |
| Denver Branch | Denver , CO | 80202 | $2.93B |
| Crossroads Branch | Salt Lake City , UT | 84101 | $2.68B |
| Head Office Branch | Portland , OR | 97204 | $2.59B |
| Pleasant Hills Branch | Pittsburgh , PA | 15236 | $1.86B |
| Meridian Midtown Branch | Indianapolis , IN | 46204 | $1.85B |
| Akron Downtown Branch | Akron , OH | 44311 | $1.43B |
| New Haven Main Branch | New Haven , CT | 06510 | $1.34B |
| University-Culver Branch | Rochester , NY | 14607 | $1.28B |
| Monument Square Branch | Portland , ME | 04101 | $1.03B |
| Columbus Main Branch | Columbus , OH | 43215 | $811.8M |
| Naples Branch | Naples , FL | 34103 | $770.2M |
| Syracuse Branch | Syracuse , NY | 13202 | $767.1M |
| Park Tower Branch | West Springfield , MA | 01089 | $710.8M |
| Superior-Madison Branch | Toledo , OH | 43604 | $641.0M |
| Stadium Boulevard Branch | Ann Arbor , MI | 48103 | $640.8M |
| 101 West Benson Boulevard Branch | Anchorage , AK | 99503 | $635.9M |
| Eastown Branch | Dayton , OH | 45432 | $603.1M |
| 702 West Idaho Street Branch | Boise , ID | 83702 | $577.6M |
| Corporate Plaza Branch | Burlington , VT | 05401 | $533.1M |
| Queen City Branch | Cincinnati , OH | 45202 | $520.5M |
| Northtown Branch | Amherst , NY | 14226 | $398.5M |
| Cheektowaga Branch | Depew , NY | 14043 | $334.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 8, 2023 | M&A | Acquired Gradfin LLC merger for the acquired bank | SEC |
| May 8, 2023 | Structure Change | Acquired Gradfin LLC Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 19, 2022 | M&A | Acquired Xup Payments, Inc. merger for the acquired bank | SEC |
| December 19, 2022 | Structure Change | Acquired Xup Payments, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 2, 2019 | Structure Change | Acquired Laurel Road Finance Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 13, 2018 | M&A | Acquired Hellowallet, LLC merger for the acquired bank | SEC |
| January 13, 2018 | Structure Change | Acquired Hellowallet Holdings, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2017 | Structure Change | Acquired First Niagara Commercial Finance, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 8, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 8, 2016 | Structure Change | Acquired First Niagara Bank, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2014 | Structure Change | Acquired Keytrust Company N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 30, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2013 | Structure Change | Acquired KeyCorp Real Estate Capital Markets, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2010 | Structure Change | Acquired Usb Delaware Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 18, 2008 | Structure Change | Acquired Union State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 17, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2008 | Structure Change | Acquired Tuition Management Systems, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2005 | Structure Change | Acquired Evertrust Asset Management Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 12, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 12, 2004 | Structure Change | Acquired EverTrust Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2004 | Structure Change | Acquired Key Bank USA, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 17, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 17, 2003 | Structure Change | Acquired Union Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 25, 2002 | Structure Change | Acquired Second Street Community Urban Redevelopment Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 29, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 29, 2000 | Structure Change | Acquired Key Trust Company of Ohio, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 1998 | Structure Change | Acquired Keytrust Company N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 31, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1998 | Structure Change | Acquired KeyBank National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 30, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 30, 1997 | Structure Change | Acquired KeyBank National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 30, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 23, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 23, 1997 | Structure Change | Acquired Key Trust Company of Florida, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 17, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 17, 1996 | Structure Change | Acquired KeyBank National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 38 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 3 against the institution (OCC); 9 against individuals associated with it
- January 15, 2015, OCC: Civil Money Penalty (CMP): Keybank National Association
- July 27, 2007, OCC: Civil Money Penalty (CMP): Keybank National Association
- October 17, 2005, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Keybank National Association
- Period: Most recent institution action January 15, 2015. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 12.9% of deposits in OH, rank 3 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 15,762 applications, 8,717 loans originated, $2.75B originated, across 43 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 679 loans, $211.5M approved, $312K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- 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
- 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 KeyBank N.A.
What are KeyBank N.A.'s total assets?
As of the Q2 2026 filing, KeyBank N.A. reported total assets of $188.56 billion in its FFIEC call report.
Where is KeyBank N.A. headquartered?
It is headquartered in Cleveland, OH, United States.
When was KeyBank N.A. founded?
It was established in 1849, per the FDIC institution directory.
Is KeyBank N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17534). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates KeyBank N.A.?
KeyBank N.A.'s primary federal regulator is the OCC.
What is KeyBank N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.27% in its Q2 2026 call report, above regulatory requirements.
How many branches does KeyBank N.A. operate?
It operates 952 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is KeyBank N.A.'s Texas Ratio?
Its Texas Ratio is 5.09% 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.
What was KeyBank N.A. previously called?
The charter now named KeyBank N.A. has also operated as Society National Bank (1980-1996), per FDIC structure-change records.
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