KeyBank N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Subordinated notes and debentures: 31.5% lower than in Q1 2026, at $1.32B. Within Ohio, KeyBank N.A. is 65th of 84 on CET1 ratio, 12.27% as of Q2 2026, below the middle of the field. At 12.27%, KeyBank N.A.'s CET1 ratio is close to the 12.36% median for banks in the $100B-250B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.27% |
| Tier 1 risk-based capital ratio | 12.27% |
| Total risk-based capital ratio | 14.05% |
| Tier 1 leverage ratio | 9.92% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $18.43B |
| Tier 1 capital | $18.43B |
| Total risk-based capital | $21.10B |
| Total equity capital | $18.73B |
| Risk-weighted assets | $150.20B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.93% |
| Tangible equity to tangible assets | 8.74% |
| Equity capital to average assets | 9.95% |
| Internal capital growth rate | 0.05% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50.0M |
| Common stock surplus | $11.21B |
| Retained earnings | $9.58B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.12B |
| Subordinated notes and debentures | $1.32B |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.57% | 11.57% | 13.71% | 8.98% | $150.69B |
| Q4 2023 | 11.94% | 11.94% | 14.16% | 9.22% | $146.40B |
| Q1 2024 | 12.26% | 12.26% | 14.56% | 9.33% | $142.39B |
| Q2 2024 | 12.59% | 12.59% | 14.78% | 9.35% | $139.78B |
| Q3 2024 | 12.43% | 12.43% | 14.65% | 9.04% | $136.60B |
| Q4 2024 | 12.94% | 12.94% | 15.12% | 9.42% | $135.73B |
| Q1 2025 | 13.04% | 13.04% | 15.21% | 9.75% | $137.75B |
| Q2 2025 | 12.90% | 12.90% | 14.91% | 9.81% | $140.52B |
| Q3 2025 | 12.83% | 12.83% | 14.81% | 9.85% | $142.19B |
| Q4 2025 | 12.75% | 12.75% | 14.71% | 9.96% | $144.10B |
| Q1 2026 | 12.49% | 12.49% | 14.37% | 10.02% | $147.13B |
| Q2 2026 | 12.27% | 12.27% | 14.05% | 9.92% | $150.20B |
KeyBank N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock KeyBank N.A., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full KeyBank N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17534) · FFIEC NIC profile (RSSD 280110)