KeyBank N.A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
KeyBank N.A. is the primary bank subsidiary of its parent holding company, headquartered in Cleveland, OH. The bank posts a strong 1.28% ROA and 12.83% ROE. KeyBank N.A's Q2 2026 balance sheet shows $188.6B in assets funded primarily by $158.5B in customer deposits. Regulatory capital is solid, 12.27% CET1 and 14.05% total risk-based capital ratio. Asset quality is solid, 1.05% nonperforming loans and a 7.52% Texas Ratio. KeyBank N.A runs a 949-branch network across multiple states.
As of June 30, 2026, KeyBank N.A. reported a CET1 capital ratio of 12.27%, a return on assets of 1.28%, a nonperforming-loan ratio of 1.05%, a Texas ratio of 7.52%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 127 Public Sq, Cleveland, OH 44114
- County
- Cuyahoga
- Metro Area
- Cleveland, OH
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- January 1, 1849
- Former names
- Society National Bank (1980-1996)
- Offices
- 949 domestic
- Employees (FTE)
- 18,026
- Domestic deposits
- $158.48B
- Allowance for credit losses
- $1.45B
- Net charge-offs (YTD)
- $216.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 16, 1956
- FDIC Cert
- 17534
- Fed RSSD
- 280110
- SEC CIK
- 91576 → filed by KEYCORP
- Website
- www.key.com →
- Parent Holding Company
- KEYCORP (RSSD 1068025) · KEY
- Ultimate Parent
- BANK OF NOVA SCOTIA, THE (RSSD 1238967)
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Gorman Christopher M. | CEO | Chairman and CEO |
| Khayat Clark H | CFO | Chief Financial Officer |
| Ramani Mohit | CRO | Chief Risk Officer |
| Brady Amy G. | CIO | Chief Information Officer |
| Waters James L | GC | General Counsel and Secretary |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full KeyBank N.A. terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock KeyBank N.A., freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
KeyBank N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for KeyBank N.A.: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.27% | 1.28% | 1.05% | 7.52% | 3.06% |
| Q1 2026 | 12.49% | 1.25% | 1.06% | 7.85% | 3.02% |
| Q4 2025 | 12.75% | 1.25% | 1.01% | 7.07% | 2.99% |
| Q3 2025 | 12.83% | 1.24% | 0.93% | 6.70% | 2.94% |
| Q2 2025 | 12.90% | 1.08% | 0.98% | 7.03% | 2.83% |
| Q1 2025 | 13.04% | 1.04% | 1.09% | 7.98% | 2.74% |
| Q4 2024 | 12.94% | -0.40% | 1.09% | 8.60% | 2.60% |
| Q3 2024 | 12.43% | -0.64% | 0.99% | 8.83% | 2.37% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 951 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| KeyBank N.A. (main office) | Cleveland , OH | 44114 | $57.90B |
| Key Plaza Branch | Albany , NY | 12207 | $6.11B |
| Seattle Trust Bellevue Branch | Bellevue , WA | 98004 | $3.02B |
| Denver Branch | Denver , CO | 80202 | $2.93B |
| Crossroads Branch | Salt Lake City , UT | 84101 | $2.68B |
| Head Office Branch | Portland , OR | 97204 | $2.59B |
| Pleasant Hills Branch | Pittsburgh , PA | 15236 | $1.86B |
| Meridian Midtown Branch | Indianapolis , IN | 46204 | $1.85B |
| Akron Downtown Branch | Akron , OH | 44311 | $1.43B |
| New Haven Main Branch | New Haven , CT | 06510 | $1.34B |
| University-Culver Branch | Rochester , NY | 14607 | $1.28B |
| Monument Square Branch | Portland , ME | 04101 | $1.03B |
| Columbus Main Branch | Columbus , OH | 43215 | $811.8M |
| Naples Branch | Naples , FL | 34103 | $770.2M |
| Syracuse Branch | Syracuse , NY | 13202 | $767.1M |
| Park Tower Branch | West Springfield , MA | 01089 | $710.8M |
| Superior-Madison Branch | Toledo , OH | 43604 | $641.0M |
| Stadium Boulevard Branch | Ann Arbor , MI | 48103 | $640.8M |
| 101 West Benson Boulevard Branch | Anchorage , AK | 99503 | $635.9M |
| Eastown Branch | Dayton , OH | 45432 | $603.1M |
| 702 West Idaho Street Branch | Boise , ID | 83702 | $577.6M |
| Corporate Plaza Branch | Burlington , VT | 05401 | $533.1M |
| Queen City Branch | Cincinnati , OH | 45202 | $520.5M |
| Northtown Branch | Amherst , NY | 14226 | $398.5M |
| Cheektowaga Branch | Depew , NY | 14043 | $334.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 8, 2023 | M&A | merger | SEC |
| May 8, 2023 | Structure Change | Acquired Gradfin LLC Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 19, 2022 | M&A | merger | SEC |
| December 19, 2022 | Structure Change | Acquired Xup Payments, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 2, 2019 | Structure Change | Acquired Laurel Road Finance Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 13, 2018 | M&A | merger | SEC |
| January 13, 2018 | Structure Change | Acquired Hellowallet Holdings, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2017 | Structure Change | Acquired First Niagara Commercial Finance, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 8, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 8, 2016 | Structure Change | Acquired First Niagara Bank, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2014 | Structure Change | Acquired Keytrust Company N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 30, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2013 | Structure Change | Acquired Keycorp Real Estate Capital Markets, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2010 | Structure Change | Acquired Usb Delaware Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 18, 2008 | Structure Change | Acquired Union State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 17, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2008 | Structure Change | Acquired Tuition Management Systems, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2005 | Structure Change | Acquired Evertrust Asset Management Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 12, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 12, 2004 | Structure Change | Acquired EverTrust Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2004 | Structure Change | Acquired Key Bank USA, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 17, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 17, 2003 | Structure Change | Acquired Union Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 25, 2002 | Structure Change | Acquired Second Street Community Urban Redevelopment Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 29, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 29, 2000 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
| August 1, 1998 | Structure Change | Acquired Keytrust Company N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 31, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1998 | Structure Change | Acquired Keybank National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 30, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 30, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 30, 1997 | Structure Change | Acquired KeyBank National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 23, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 23, 1997 | Structure Change | Acquired Key Trust Company of Florida, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 17, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 17, 1996 | Structure Change | Acquired Keybank National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 38 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for KeyBank N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 3 against the institution (OCC); 9 against individuals associated with it
- January 15, 2015, OCC: Civil Money Penalty (CMP): Keybank National Association
- July 27, 2007, OCC: Civil Money Penalty (CMP): Keybank National Association
- October 17, 2005, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Keybank National Association
- Period: Most recent institution action January 15, 2015. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 12.9% of deposits in OH, rank 3 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 15,762 applications, 8,717 loans originated, $2.75B originated, across 43 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- 917 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about KeyBank N.A.
What are KeyBank N.A.'s total assets?
As of the Q2 2026 filing, KeyBank N.A. reported total assets of $188.56 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is KeyBank N.A. headquartered?
KeyBank N.A. is headquartered in Cleveland, OH, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was KeyBank N.A. founded?
KeyBank N.A. was established in 1849, per the FDIC institution directory.
Is KeyBank N.A. FDIC-insured?
Yes. KeyBank N.A. is an FDIC-insured commercial bank (FDIC Certificate #17534). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates KeyBank N.A.?
KeyBank N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is KeyBank N.A.'s CET1 capital ratio?
KeyBank N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 12.27% in its Q2 2026 call report, above regulatory requirements.
How many branches does KeyBank N.A. operate?
KeyBank N.A. operates 949 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is KeyBank N.A.'s Texas Ratio?
KeyBank N.A.'s Texas Ratio is 7.52% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was KeyBank N.A. previously called?
The charter now named KeyBank N.A. has also operated as Society National Bank (1980-1996), per FDIC structure-change records.
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