FDIC Cert #17534 · Cleveland, Ohio · Est. 1849

KeyBank National Association - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$181.7B
Total assets
A
Health grade · Excellent
1.17%
Return on assets
12.8%
Tier 1 capital

Data updated July 2026

The verdict

KeyBank National Association earns a PlainBankData health grade of A (87/100), with well-capitalized at 12.75% Tier 1, profitable at 1.17% ROA, efficient (56% cost ratio).

#24
largest of 4,313 FDIC banks by assets
100th
percentile by asset size, nationally
12.75%
Tier 1 ratio - above the 10% well-capitalized line
55th
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 17534 · OH A · 87/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MEGA · BOOK-FULL

  • GRADE-A A (87/100)
  • MID-PACK #1147/4307
  • PHOTO-FINISH First National Bank… · IL
  • TIER1-WELL 12.8% Tier 1
  • TEXAS-CLEAN 3.9% Texas
  • ROA-PAR 1.17% ROA
  • SIZE-MEGA ≥$100B assets
  • BOOK-FULL 9/9 fields

Nearest health peer outside Ohio: First National Bank in Taylorville, IL (±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 KeyBank

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

Morgan Stanley Bank,… · UT ·…100/100Apple River State Bank · IL …87/100Central Pacific Bank · HI · …87/100First National Bank… · IL · …87/100German American Bank · IN · …87/100KeyBank National Ass… · OH ·…87/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around KeyBank · July 2026

Call Report read for KeyBank in a high-failure state

KeyBank National Association (FDIC Cert #17534) carries a PlainBankData health grade of A at 87/100, 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 #1,147 of 4,307. Tier 1 capital prints at 12.75%, clearing the 10% well-capitalized line. The Texas Ratio is 3.88%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.17%. Balance-sheet scale is $181.7B, 24th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First National Bank in Taylorville (IL), 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 KeyBank

9 FAILURE resolutions in Ohio since 2000, heavy vs the state corpus

KeyBank National Association sits in one of the heavier post-2000 FAILURE states (9 resolutions; latest year 2019). The list below is state history from the Failed Bank List, not a claim about KeyBank National Association's current Call Report.

  • RESOLUTE BANK MAUMEE, OH 2019 → BUCKEYE STATE BANK
  • COLUMBIA SAVINGS BANK CINCINNATI, OH 2014 → UNITED FIDELITY BANK, FSB
  • BRAMBLE SAVINGS BANK MILFORD, OH 2010 → FOUNDATION BANK

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

How KeyBank National Association's 87/100 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 avg77/10087/100
KeyBank National Association's composite health score
Tier 1 Capital Ratio (12.75%) 35/40
Return on Assets (ROA) (1.17%) 20/25
Texas Ratio (3.88%) 20/20
Efficiency Ratio (55.67%) 12/15

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

Balance sheet at a glance

Total Assets

$181.7B

Total balance-sheet footings

Total Deposits

$153.7B

Customer-funded liabilities

Net Loans

$106.4B

Outstanding loan book

Net Income

$2.2B

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.35% 12.75% 14.15%
Basel III capital ratios - KeyBank National Association

Where KeyBank National Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. KeyBank National Association's score of 87/100 falls in the highlighted band.

KeyBank National Association: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

87 Top 27% higher than 73% 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%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. KeyBank 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

KeyBank National Association'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). KeyBank National Association's $181.7B falls in the highlighted band.

Capital & credit buffers at KeyBank

Tier 1 capital ratio
Well-capitalized 10%

12.75% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.75%
Texas Ratio
3.88%
Equity Capital
$19.1B

What these ratios mean →

Earnings posture at KeyBank

Return on Assets (ROA)
55th percentile nationally
1.17%
Return on Equity (ROE)
11.87%
Efficiency Ratio
55.67%

What these mean →

Income & expense at KeyBank

$8.3B
Interest Income
$2.3B
Non-Interest Income
$4.0B
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. KeyBank National Association reports a Texas Ratio of 3.88% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

3.88% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View KeyBank National Association on FDIC BankFind →

Top banks in Ohio by total assets

Largest banks headquartered in Ohio
  1. 1
    JPMorgan Chase Bank $3.75T

    Columbus, OH · Grade A

  2. 2
    U.S. Bank $676.1B

    Cincinnati, OH · Grade A

  3. 3
    The Huntington National Bank $224.0B

    Columbus, OH · Grade A

  4. 4
    Fifth Third Bank $213.7B

    Cincinnati, OH · Grade A

  5. 5
    KeyBank $181.7B

    Cleveland, OH · Grade A

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

National size peers: banks closest to KeyBank National Association by assets

Measured strictly by total assets rather than geography, KeyBank National Association's closest national peers include Ally Bank, The Northern Trust Company, HSBC Bank USA, Regions Bank, spanning 5 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within Ohio. Averaged across this asset-matched cohort, return on assets runs 1.59% (KeyBank National Association is below that at 1.17%), the efficiency ratio averages 59.15% (KeyBank National Association runs leaner at 55.67%), and Tier 1 capital averages 12.55% (KeyBank National Association holds more at 12.75%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.

At $181.7B in assets, KeyBank National Association sits well above the $100 billion threshold at which the Dodd-Frank Act, as amended by the 2018 Economic Growth, Regulatory Relief, and Consumer Protection Act, applies enhanced prudential standards -- more frequent capital and liquidity stress testing and formal resolution ("living will") planning -- on top of the $10 billion threshold at which the CFPB, rather than the bank's primary prudential regulator, takes over direct supervision for consumer-protection compliance.

Closest banks to KeyBank National Association nationally by total assets
  1. 1
    Ally Bank $184.6B

    Sandy, UT · Grade A

  2. 2
    The Northern Trust Company $176.4B

    Chicago, IL · Grade B

  3. 3
    HSBC Bank USA $165.3B

    Tysons, VA · Grade A

  4. 4
    Regions Bank $157.4B

    Birmingham, AL · Grade A

  5. 5
    American Express National Bank $211.3B

    Sandy, UT · Grade A

  6. 6
    Manufacturers and Traders Trust Compa… $212.9B

    Buffalo, NY · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
KeyBank National Association (this bank) OH $181.7B 1.17% 55.67% 12.75%
Ally Bank UT $184.6B 0.91% 49.98% 12.50%
The Northern Trust Company IL $176.4B 1.02% 70.92% 12.07%
HSBC Bank USA, National Association VA $165.3B 0.92% 56.89% 15.92%
Regions Bank AL $157.4B 1.43% 55.16% 11.72%
American Express National Bank UT $211.3B 3.89% 68.58% 10.94%
Manufacturers and Traders Trust Company NY $212.9B 1.40% 53.40% 12.13%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($181.7B here), outside Ohio so the neighborhood is not state containment.

Ally Bank $184.6B · UT The Northern Trust Company $176.4B · IL HSBC Bank USA $165.3B · VA Regions Bank $157.4B · AL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) KeyBank National Association (FDIC Cert #17534) - 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.

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

Other banks in Ohio

All Ohio banks →
BankAssetsGradeROA
JPMorgan Chase Bank, National AssociationColumbus $3.75T A 1.34%
U.S. Bank National AssociationCincinnati $676.1B A 1.18%
The Huntington National BankColumbus $224.0B A 1.20%
Fifth Third Bank, National AssociationCincinnati $213.7B A 1.34%
First Financial BankCincinnati $21.0B A 1.53%
Third Federal Savings and Loan Association of ClevelandCleveland $17.5B A 0.51%
The Park National BankNewark $9.7B A 1.90%
Peoples BankMarietta $9.6B A 1.27%