KeyBank N.A.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Fed funds purchased and repos: 84.8% lower than in Q1 2026, at $5.1M. KeyBank N.A. ranks 117th of 156 Ohio banks on loan-to-deposit ratio, in the lower half at 70.55% (Q2 2026). KeyBank N.A. reported 70.55% on loan-to-deposit ratio for Q2 2026, 10.56 points below the 81.12% median for banks in the $100B-250B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.11B |
| Cash and noninterest-bearing balances to assets | 7.48% |
| Cash and securities | $62.09B |
| Fed funds sold and reverse repos | $9.6M |
| Fed funds sold and reverse repos to assets | 0.01% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $5.1M |
| Other borrowed money | $6.89B |
| Subordinated notes and debentures | $1.32B |
| Other borrowed money to assets | 3.66% |
| Trading liabilities | $695.5M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.55% |
| Net loans and leases to deposits | 69.63% |
| Loans and leases to core deposits | 71.65% |
| Core deposits to total deposits | 95.54% |
| Brokered deposits to total deposits | 2.93% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 79.21% | 94.68% | $42.7M | $18.32B |
| Q4 2023 | 76.37% | 94.81% | $38.1M | $15.85B |
| Q1 2024 | 74.75% | 95.73% | $27.3M | $16.40B |
| Q2 2024 | 72.27% | 94.51% | $25.4M | $14.55B |
| Q3 2024 | 68.87% | 94.50% | $43.9M | $10.13B |
| Q4 2024 | 67.95% | 94.58% | $14.2M | $6.49B |
| Q1 2025 | 67.96% | 94.86% | $22.3M | $6.52B |
| Q2 2025 | 70.49% | 94.55% | $20.1M | $6.62B |
| Q3 2025 | 68.59% | 94.62% | $10.0M | $4.18B |
| Q4 2025 | 70.17% | 95.75% | $12.9M | $3.43B |
| Q1 2026 | 71.92% | 96.48% | $33.6M | $8.66B |
| Q2 2026 | 70.55% | 95.54% | $5.1M | $6.89B |
KeyBank N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock KeyBank N.A., freeSource: Call Report Schedules RC and RC-M, 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)