Keysavings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio dropped 3.14 percentage points in Q2 2026, from 82.39% to 79.25%. It was the largest change from Q1 2026 among the key lines here. Keysavings Bank ranks 133rd of 153 Wisconsin banks on return on assets, in the lower half at 0.73% (Q2 2026). Keysavings Bank reported 0.73% on return on assets for Q2 2026, 0.52 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.38% |
| Equity capital to assets | 7.37% |
| Tangible equity to tangible assets | 7.37% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 0.58% |
| Allowance for credit losses to loans | 0.54% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.73% |
| Return on equity | 9.94% |
| Net interest margin | 3.68% |
| Efficiency ratio | 62.36% |
| Yield on earning assets | 6.19% |
| Cost of funds | 2.58% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.25% |
| Core deposits to total deposits | 86.02% |
| Brokered deposits to total deposits | 12.09% |
| Deposits to assets | 77.02% |
| Securities to assets | 30.47% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 13.09% | -0.54% | 2.22% | 0.82% | 0.00% |
| Q4 2023 | 12.80% | 0.62% | 3.04% | 0.76% | 0.00% |
| Q1 2024 | 10.95% | 0.00% | 2.16% | 0.00% | 0.00% |
| Q2 2024 | 11.13% | 0.02% | 2.46% | 1.75% | 0.00% |
| Q3 2024 | 10.44% | -0.01% | 2.60% | 0.00% | 0.00% |
| Q4 2024 | 9.74% | 0.35% | 2.64% | 0.00% | 0.18% |
| Q1 2025 | 9.83% | 0.14% | 2.84% | 0.00% | 0.00% |
| Q2 2025 | 9.29% | 0.52% | 4.00% | 0.00% | 0.00% |
| Q3 2025 | 9.38% | 0.63% | 3.10% | 0.00% | 0.00% |
| Q4 2025 | 9.23% | 0.31% | 3.13% | 0.87% | 0.00% |
| Q1 2026 | 9.16% | 0.37% | 3.22% | 0.00% | 0.47% |
| Q2 2026 | 9.38% | 0.73% | 3.68% | 0.00% | 0.02% |
Keysavings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Keysavings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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 Keysavings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29691) · FFIEC NIC profile (RSSD 208972)