BlastPoint's Banking Scorecard
KeyBank National Association
Large
Specialty: Commercial
OH
FDIC cert 17534
Cleveland, OH
69
banks in Large tier nationally
3 in OH
View Large leaderboard (OH) →
KeyBank National Association faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 25% in Large
- - Deposit Outflow: Bottom 30% in Large
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$181.7B
-1.5% YoY
-1.6% QoQ
|
+$106.8B |
$74.9B
-4.4% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
Top 10% in tier |
| Total Loans ? |
$106.4B
+2.4% YoY
+0.7% QoQ
|
+$60.0B |
$46.4B
-2.1% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
Top 10% in tier |
| Total Deposits ? |
$153.7B
-0.9% YoY
-1.6% QoQ
|
+$93.2B |
$60.5B
-4.5% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
Top 10% in tier |
| Return on Assets ? |
1.17%
+3.2% QoQ
|
-0.02% |
1.19%
+17.8% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
51% |
| Net Interest Margin ? |
2.97%
+22.1% YoY
+1.6% QoQ
|
-0.49% |
3.46%
+13.1% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
22% |
| Efficiency Ratio ? |
55.67%
-11.9% YoY
-0.3% QoQ
|
+0.64% |
55.03%
-2.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
51% |
| Delinquency Rate ? |
0.75%
-16.9% YoY
-6.9% QoQ
|
-0.13% |
0.88%
-0.3% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
69.23%
+3.3% YoY
+2.3% QoQ
|
-12.48% |
81.72%
+3.9% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
17.97%
-6.0% YoY
-0.9% QoQ
|
-2.00% |
19.97%
+0.5% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
31% |
| Nonperforming Asset Ratio ? |
0.44%
-13.9% YoY
-4.8% QoQ
|
-0.11% |
0.55%
+9.0% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
58% |
| Tier 1 Capital Ratio ? |
12.75%
-1.4% YoY
-0.6% QoQ
|
-0.58% |
13.33%
-0.7% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
1.26%
+9.9% YoY
+39.7% QoQ
|
+0.18% |
1.09%
+2.4% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
79% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Flatlined Growth
risk
#5 of 17 · Bottom 25% in Large
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
1.17%
(Tier: 1.19%, National: 1.12%)
17 of 17 Large banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Deposit Outflow
decline
#4 of 11 · Bottom 30% in Large
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
11 of 11 Large banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Total Assets
Current: $181.7B · Tier avg: $74.9B
90
90th pctile
Total Loans
Current: $106.4B · Tier avg: $46.4B
90
90th pctile
Total Deposits
Current: $153.7B · Tier avg: $60.5B
79
79th pctile
Non-Interest Income / Assets
Current: 1.26% · Tier avg: 1.09%
58
58th pctile
Nonperforming Asset Ratio
Current: 0.44% · Tier avg: 0.55%
54
54th pctile
Delinquency Rate
Current: 0.75% · Tier avg: 0.88%
51
51th pctile
Tier 1 Capital Ratio
Current: 12.75% · Tier avg: 13.33%
51
51th pctile
Efficiency Ratio
Current: 55.67% · Tier avg: 55.03%
51
51th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.19%
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 17.97% · Tier avg: 19.97%
25
25th pctile
Loan-to-Deposit Ratio
Current: 69.23% · Tier avg: 81.72%
22
22th pctile
Net Interest Margin
Current: 2.97% · Tier avg: 3.46%
Top Weaknesses
22
22th pctile
Net Interest Margin
Current: 2.97% · Tier avg: 3.46%
25
25th pctile
Loan-to-Deposit Ratio
Current: 69.23% · Tier avg: 81.72%
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 17.97% · Tier avg: 19.97%
51
51th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.19%
51
51th pctile
Efficiency Ratio
Current: 55.67% · Tier avg: 55.03%
51
51th pctile
Tier 1 Capital Ratio
Current: 12.75% · Tier avg: 13.33%
54
54th pctile
Delinquency Rate
Current: 0.75% · Tier avg: 0.88%
58
58th pctile
Nonperforming Asset Ratio
Current: 0.44% · Tier avg: 0.55%
79
79th pctile
Non-Interest Income / Assets
Current: 1.26% · Tier avg: 1.09%
90
90th pctile
Total Deposits
Current: $153.7B · Tier avg: $60.5B
90
90th pctile
Total Loans
Current: $106.4B · Tier avg: $46.4B
90
90th pctile
Total Assets
Current: $181.7B · Tier avg: $74.9B