FDIC Cert #34644 · Inver Grove Heights, Minnesota · Est. 1998

Key Community Bank - FDIC Bank Health Profile

A community-scale look at Key Community Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$121M
Total assets
B
Health grade · Good
1.37%
Return on assets
10.9%
Tier 1 capital

Data updated July 2026

The verdict

Key Community Bank earns a PlainBankData health grade of B (70/100), with well-capitalized at 10.89% Tier 1, profitable at 1.37% ROA, efficient (60% cost ratio).

#3,574
largest of 4,313 FDIC banks by assets
17th
percentile by asset size, nationally
10.89%
Tier 1 ratio - above the 10% well-capitalized line
68th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 34644 · MN B · 70/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-B B (70/100)
  • MID-PACK #3065/4307
  • PHOTO-FINISH Metropolitan Commerc… · NY
  • TIER1-WELL 10.9% Tier 1
  • TEXAS-HEALTHY 24.2% Texas
  • ROA-STRONG 1.37% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Minnesota: Metropolitan Commercial Bank, NY (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Key Community Bank

Lowest and highest poles plus nearest scored peers outside Minnesota, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100First Community Bank… · IL ·…70/100First National Bank · TX · n…70/100Freedom Financial Bank · IA …70/100Key Community Bank · MN · th…70/100Metropolitan Commerc… · NY ·…70/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Key Community Bank · July 2026

Call Report read for Key Community Bank in a high-failure state

Key Community Bank (FDIC Cert #34644) carries a PlainBankData health grade of B at 70/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,065 of 4,307. Tier 1 capital prints at 10.89%, clearing the 10% well-capitalized line. The Texas Ratio is 24.22%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.37%. Balance-sheet scale is $121M, 3,574th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Metropolitan Commercial Bank (NY), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Key Community Bank

24 FAILURE resolutions in Minnesota since 2000, heavy vs the state corpus

Key Community Bank sits in one of the heavier post-2000 FAILURE states (24 resolutions; latest year 2014). The list below is state history from the Failed Bank List, not a claim about Key Community Bank's current Call Report.

  • NORTHERN STAR BANK MANKATO, MN 2014 → BANKVISTA
  • 1ST REGENTS BANK ANDOVER, MN 2013 → FIRST MINNESOTA BANK
  • FIRST COMMERCIAL BANK BLOOMINGTON, MN 2012 → REPUBLIC BANK & TRUST COMPANY

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Minnesota banks.

How Key Community Bank's 70/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10070/100
Key Community Bank's composite health score
Tier 1 Capital Ratio (10.89%) 28/40
Return on Assets (ROA) (1.37%) 20/25
Texas Ratio (24.22%) 10/20
Efficiency Ratio (59.84%) 12/15

70 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$121M

Total balance-sheet footings

Total Deposits

$110M

Customer-funded liabilities

Net Loans

$95M

Outstanding loan book

Net Income

$2M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% 14% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.49% 10.89% 12.29%
Basel III capital ratios - Key Community Bank

Where Key Community Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Key Community Bank's score of 70/100 falls in the highlighted band.

Key Community Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

70 29th percentile higher than 29% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Key Community Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Key Community Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Key Community Bank's $121M falls in the highlighted band.

Capital & credit buffers at Key Community Bank

Tier 1 capital ratio
Well-capitalized 10%

10.89% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.89%
Texas Ratio
24.22%
Equity Capital
$11M

What these ratios mean →

Earnings posture at Key Community Bank

Return on Assets (ROA)
68th percentile nationally
1.37%
Return on Equity (ROE)
16.08%
Efficiency Ratio
59.84%

What these mean →

Income & expense at Key Community Bank

$7M
Interest Income
$194K
Non-Interest Income
$3M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Key Community Bank reports a Texas Ratio of 24.22% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

24.22% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Key Community Bank on FDIC BankFind →

Top banks in Minnesota by total assets

Largest banks headquartered in Minnesota
  1. 1
    Ameriprise Bank, FSB $25.3B

    Minneapolis, MN · Grade A

  2. 2
    Bridgewater Bank $5.4B

    Saint Louis Park, MN · Grade A

  3. 3
    Frandsen Bank & Trust $3.7B

    Lonsdale, MN · Grade A

  4. 4
    Stearns Bank $3.3B

    Saint Cloud, MN · Grade A

  5. 5
    Minnwest Bank $3.0B

    Redwood Falls, MN · Grade B

Top 5 banks in Minnesota ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($121M here), outside Minnesota so the neighborhood is not state containment.

Princeville State Bank $121M · IL Midwest National Bank $121M · IL The Hamler State Bank $121M · OH Progressive National Bank $121M · LA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Key Community Bank (FDIC Cert #34644) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Key Community Bank Call Report profile · FDIC Failed Bank List · Minnesota FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Minnesota

All Minnesota banks →
BankAssetsGradeROA
Ameriprise Bank, FSBMinneapolis $25.3B A 3.08%
Bridgewater BankSaint Louis Park $5.4B A 0.99%
Frandsen Bank & TrustLonsdale $3.7B A 1.48%
Stearns Bank National AssociationSaint Cloud $3.3B A 1.85%
Minnwest BankRedwood Falls $3.0B B 0.92%
Merchants Bank, National AssociationWinona $2.9B A 1.23%
Tradition Capital BankWayzata $2.6B B 0.71%
Think Mutual BankRochester $2.2B B 0.61%