KeyBank N.A.: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Compared with Q1 2026, Total interest expense rose 3.4% in Q2 2026 to $724.7M, the biggest move on this page. Within Ohio, KeyBank N.A. is 124th of 156 on net interest margin, 3.06% as of Q2 2026, below the middle of the field. KeyBank N.A. reported 3.06% on net interest margin for Q2 2026, 0.37 points below the 3.43% median for banks in the $100B-250B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.73% |
| Yield on loans | 5.33% |
| Yield on securities | 3.67% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.75% |
| Cost of interest-bearing deposits | 1.90% |
| Cost of interest-bearing liabilities | 2.13% |
| Cost of borrowings | 4.67% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.06% |
| Yield to cost spread | 2.60% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.46B |
| Total interest expense | $724.7M |
| Interest expense on deposits | $600.4M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.46% | 2.43% | 2.17% | 5.43% | 2.06% |
| Q4 2023 | 4.60% | 2.51% | 2.24% | 5.54% | 2.26% |
| Q1 2024 | 4.63% | 2.58% | 2.19% | 5.51% | 2.40% |
| Q2 2024 | 4.71% | 2.66% | 2.21% | 5.64% | 2.61% |
| Q3 2024 | 4.92% | 2.68% | 2.37% | 5.72% | 2.98% |
| Q4 2024 | 4.86% | 2.37% | 2.60% | 5.55% | 3.40% |
| Q1 2025 | 4.78% | 2.16% | 2.74% | 5.39% | 3.64% |
| Q2 2025 | 4.86% | 2.14% | 2.83% | 5.47% | 3.71% |
| Q3 2025 | 4.93% | 2.10% | 2.94% | 5.53% | 3.76% |
| Q4 2025 | 4.80% | 1.93% | 2.99% | 5.43% | 3.70% |
| Q1 2026 | 4.66% | 1.73% | 3.02% | 5.26% | 3.62% |
| Q2 2026 | 4.73% | 1.75% | 3.06% | 5.33% | 3.67% |
KeyBank N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock KeyBank N.A., freeSource: Call Report Schedules RI and RC-K, 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)