KeyBank N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loans held for sale climbed 36.7% in Q2 2026, from $876.3M to $1.20B. It was the largest change from Q1 2026 among the key lines here. Within Ohio, KeyBank N.A. is 117th of 156 on loan-to-deposit ratio, 70.55% as of Q2 2026, below the middle of the field. The median for banks in the $100B-250B asset tier is 81.12% on loan-to-deposit ratio. KeyBank N.A. sits 10.56 points lower, at 70.55% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $111.81B |
| Net loans and leases | $110.35B |
| Loans held for sale | $1.20B |
| Loans to total assets | 59.30% |
| Loan-to-deposit ratio | 70.55% |
| Net loans to equity capital | 5.89% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.88% |
| Multifamily (5+ residential) | 4.87% |
| Commercial and industrial | 33.43% |
| Consumer | 4.88% |
| Credit cards | 0.83% |
| Farm | 0.11% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.19% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 88.25% |
| Construction concentration (Tier 1 capital + allowance) | 14.56% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $1.46B |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $116.63B | $147.25B | 7.99% | 38.78% | 6.39% |
| Q4 2023 | $113.43B | $148.53B | 7.88% | 38.45% | 6.40% |
| Q1 2024 | $110.43B | $147.73B | 7.70% | 38.81% | 6.28% |
| Q2 2024 | $107.89B | $149.27B | 7.79% | 38.51% | 6.24% |
| Q3 2024 | $106.68B | $154.89B | 7.60% | 39.25% | 6.12% |
| Q4 2024 | $105.31B | $154.99B | 7.65% | 28.37% | 6.06% |
| Q1 2025 | $105.86B | $155.77B | 7.83% | 29.76% | 5.81% |
| Q2 2025 | $107.15B | $152.00B | 7.97% | 31.47% | 5.64% |
| Q3 2025 | $107.12B | $156.17B | 8.03% | 31.73% | 5.53% |
| Q4 2025 | $107.82B | $153.66B | 8.35% | 32.19% | 5.38% |
| Q1 2026 | $110.26B | $153.31B | 8.25% | 31.98% | 5.06% |
| Q2 2026 | $111.81B | $158.48B | 7.88% | 33.43% | 4.88% |
KeyBank N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock KeyBank N.A., freeSource: Call Report Schedule RC-C, 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)