FDIC Cert #29691 · Wisconsin Rapids, Wisconsin · Est. 1920

KeySavings Bank - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$128M
Total assets
D
Health grade · Weak
0.40%
Return on assets
9.2%
Tier 1 capital

Data updated July 2026

The verdict

KeySavings Bank earns a PlainBankData health grade of D (41/100), with 9.23% Tier 1 capital, 0.40% ROA, 84% efficiency ratio.

#3,530
largest of 4,313 FDIC banks by assets
18th
percentile by asset size, nationally
9.23%
Tier 1 ratio - below the 10% well-capitalized line
13th
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 29691 · WI D · 41/100

GRADE-D · BOTTOM-DECILE · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-D D (41/100)
  • BOTTOM-DECILE #4232/4307
  • PHOTO-FINISH Seneca Savings Bank,… · NY
  • TIER1-ADEQ 9.2% Tier 1
  • TEXAS-CLEAN 6.8% Texas
  • ROA-THIN 0.40% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Wisconsin: Seneca Savings Bank, National Association, 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 KeySavings Bank

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

Morgan Stanley Bank,… · UT ·…100/100Brentwood Bank · PA · near41/100First Southern Bank · AL · n…41/100KeySavings Bank · WI · this …41/100Methuen Co-operative… · MA ·…41/100Seneca Savings Bank,… · NY ·…41/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around KeySavings Bank · July 2026

Call Report read for KeySavings Bank in a high-failure state

KeySavings Bank (FDIC Cert #29691) carries a PlainBankData health grade of D at 41/100, 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 #4,232 of 4,307. Tier 1 capital prints at 9.23%, missing the 10% well-capitalized line. The Texas Ratio is 6.76%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.40%. Balance-sheet scale is $128M, 3,530th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Seneca Savings Bank, National Association (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 KeySavings Bank

11 FAILURE resolutions in Wisconsin since 2000, heavy vs the state corpus

KeySavings Bank sits in one of the heavier post-2000 FAILURE states (11 resolutions; latest year 2017). The list below is state history from the Failed Bank List, not a claim about KeySavings Bank's current Call Report.

  • GUARANTY BANK MILWAUKEE, WI 2017 → FIRST-CITIZENS BANK & TRUST COMPANY
  • NORTH MILWAUKEE STATE BANK MILWAUKEE, WI 2016 → FIRST-CITIZENS BANK & TRUST COMPANY
  • BANK OF WAUSAU WAUSAU, WI 2013 → NICOLET NATIONAL BANK

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

How KeySavings Bank's 41/100 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 avg77/10041/100
KeySavings Bank's composite health score
Tier 1 Capital Ratio (9.23%) 18/40
Return on Assets (ROA) (0.40%) 7/25
Texas Ratio (6.76%) 16/20
Efficiency Ratio (84.14%) 0/15

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

Balance sheet at a glance

Total Assets

$128M

Total balance-sheet footings

Total Deposits

$97M

Customer-funded liabilities

Net Loans

$77M

Outstanding loan book

Net Income

$498K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 7.83% 9.23% 10.63%
Basel III capital ratios - KeySavings Bank

Where KeySavings Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. KeySavings Bank's score of 41/100 falls in the highlighted band.

KeySavings Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

41 2nd percentile higher than 2% 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%). This entry sits in this band. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. KeySavings 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

KeySavings 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). KeySavings Bank's $128M falls in the highlighted band.

Capital & credit buffers at KeySavings Bank

Tier 1 capital ratio
Well-capitalized 10%

9.23% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.23%
Texas Ratio
6.76%
Equity Capital
$10M

What these ratios mean →

Profitability metrics: KeySavings Bank

Return on Assets (ROA)
13th percentile nationally
0.40%
Return on Equity (ROE)
5.50%
Efficiency Ratio
84.14%

What these mean →

Income & expense at KeySavings Bank

$7M
Interest Income
$477K
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. KeySavings Bank reports a Texas Ratio of 6.76% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

6.76% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at KeySavings Bank

KeySavings Bank's grade of D reflects specific pressure points in the FDIC Call Report. Its Tier 1 capital ratio of 9.23% is below the 10% "well-capitalized" benchmark.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at KeySavings Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View KeySavings Bank on FDIC BankFind →

Top banks in Wisconsin by total assets

Largest banks headquartered in Wisconsin
  1. 1
    Associated Bank $45.1B

    Green Bay, WI · Grade A

  2. 2
    Nicolet National Bank $9.2B

    Green Bay, WI · Grade A

  3. 3
    Johnson Bank $7.2B

    Racine, WI · Grade A

  4. 4
    Town Bank $4.5B

    Hartland, WI · Grade A

  5. 5
    Bank First $4.5B

    Manitowoc, WI · Grade A

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($128M here), outside Wisconsin so the neighborhood is not state containment.

The First National Bank of Bagley $128M · MN The First State Bank $128M · TX Concordia Bank of Concordia, Missouri $128M · MO Community State Bank $128M · MO

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) KeySavings Bank (FDIC Cert #29691) - 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.

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

Other banks in Wisconsin

All Wisconsin banks →
BankAssetsGradeROA
Associated Bank, National AssociationGreen Bay $45.1B A 1.10%
Nicolet National BankGreen Bay $9.2B A 1.66%
Johnson BankRacine $7.2B A 1.07%
Town Bank, National AssociationHartland $4.5B A 1.27%
Bank First, N.A.Manitowoc $4.5B A 1.64%
First Business BankMadison $4.1B B 1.36%
John Deere Financial, f.s.b.Middleton $3.4B A 3.87%
Lake Ridge BankMiddleton $3.3B B 0.98%