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KeyBank National Association
Cleveland, OH·FDIC Cert #17534·Charter: OCC·Est. 18490101.0·HC: KEYCORP
Total Assets
$181.7B
Q4 2025
Return on Assets
1.17%
+0.04%Peer avg: 1.19%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
55.67%
Peer avg: 52.3%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
61
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.17%+0.04
ROE
11.87%+0.19
Efficiency
55.67%-0.19
Equity/Assets
0.00%+0.00
NPL Ratio
0.75%-0.06
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
69.23%+1.58
Charge-offs
0.41%-0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.6 | 0.7 | 0.2 | 0.1 | 1.1 | 1.1 | 1.1 | 1.2 |
| ROE | 7.5 | 8.4 | 2.8 | 0.8 | 11.2 | 11.2 | 11.7 | 11.9 |
| Efficiency | 68.8 | 66.0 | 64.1 | 63.2 | 56.8 | 56.4 | 55.9 | 55.7 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.7 | 0.9 | 1.0 | 0.9 | 0.8 | 0.8 | 0.8 | 0.7 |
| Charge-offs | 0.3 | 0.3 | 0.4 | 0.4 | 0.4 | 0.4 | 0.4 | 0.4 |
| Loan/Deposit | 73.7 | 71.2 | 67.9 | 67.0 | 67.0 | 69.5 | 67.7 | 69.2 |
Balance Sheet
Total Assets$181.7B
Total Deposits$153.7B
Total Loans$106.4B
Total Equity$19.1B
Profitability
ROA1.17%
ROE11.87%
Efficiency Ratio55.67%
Net Income$2.2B
Risk & Asset Quality
NPL Ratio0.75%
Charge-off Rate0.41%
Loan/Deposit69.23%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans