BlastPoint's Banking Scorecard

KeyBank National Association

$10B-$250B Specialty: Commercial OH FDIC cert 17534

Cleveland, OH

954 branches across NY · OH · WA · PA · OR · CO · CT · IN · UT · ME · ID · MI · AK · VT · MA · FL

137 banks in the $10B-$250B peer group nationally 4 in OH

KeyBank National Association has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.19% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 10.6% in tier
- Flatlined Growth: Bottom 41.7% in tier
- Net Interest Margin 0.67% below tier average
- Efficiency Ratio 0.66% above tier average

Get updates when KeyBank National Association releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$186.0B +0.1% YoY +2.4% QoQ	+$139.0B	$47.0B -1.9% YoY	$35.8B +10.6% YoY	$6.2B +9.1% YoY	Top 4.4% in tier
Total Loans ?	$108.8B +4.2% YoY +2.3% QoQ	+$79.4B	$29.4B -0.4% YoY	$15.7B +12.8% YoY	$3.2B +10.8% YoY	Top 4.4% in tier
Total Deposits ?	$153.3B -1.6% YoY -0.2% QoQ	+$114.9B	$38.4B -1.6% YoY	$25.9B +8.5% YoY	$4.8B +8.2% YoY	Top 5.1% in tier
Return on Assets ?	1.27% +20.4% YoY +7.8% QoQ	-0.02%	1.28% +18.7% YoY	1.12% +9.9% YoY	1.23% +13.4% YoY	57%
Net Interest Margin ?	3.10% +10.7% YoY +4.4% QoQ	-0.67%	3.77% +5.8% YoY	3.58% +7.5% YoY	3.89% +5.7% YoY	27%
Efficiency Ratio ?	54.67% -3.7% YoY -1.8% QoQ	+0.66%	54.01% -3.7% YoY	72.65% -4.0% YoY	66.95% -4.1% YoY	54%
Delinquency Rate ?	0.83% +0.3% YoY +10.8% QoQ	-0.19%	1.02% -3.8% YoY	0.65% +14.5% YoY	0.95% +18.8% YoY	41%
Loan-to-Deposit Ratio ?	70.97% +5.9% YoY +2.5% QoQ	-9.82%	80.79% +1.9% YoY	79.14% +0.8% YoY	76.70% +0.9% YoY	79%
Non-Interest-Bearing Deposit Share ?	18.01% -1.5% YoY +0.2% QoQ	-2.03%	20.04% +0.2% YoY	18.08% -0.4% YoY	22.01% -1.2% YoY	34%
Nonperforming Asset Ratio ?	0.49% +4.0% YoY +10.6% QoQ	-0.23%	0.72% +4.2% YoY	0.44% +14.5% YoY	0.67% +19.3% YoY	50%
Tier 1 Capital Ratio ?	12.49% -4.3% YoY -2.1% QoQ	-3.03%	15.51% -0.4% YoY	19.44% +3.1% YoY	17.06% +0.8% YoY	40%
Non-Interest Income / Assets ?	0.30% +5.5% YoY -76.1% QoQ	+0.08%	0.22% +0.3% YoY	0.57% -2.4% YoY	0.32% +4.1% YoY	82%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Risk Growth

risk

#8 of 66 • Bottom 10.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

66 of 66 Large banks match · 1464 nationally

→ Stable -10 banks QoQ

Flatlined Growth

risk

#11 of 24 • Bottom 41.7% in tier

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: 1.27%

(Tier: 1.28%, National: 1.23%)

worse than tier avg

24 of 24 Large banks match · 687 nationally

→ Stable +32 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 137 peers in $10B-$250B

Top Strengths (5 metrics)

Total Assets

size

Value: $185.98B

Peer Median: $46.96B

#7 of 137 Top 4.4% in $10B-$250B

Total Loans

size

Value: $108.80B

Peer Median: $29.36B

#7 of 137 Top 4.4% in $10B-$250B

Total Deposits

size

Value: $153.31B

Peer Median: $38.42B

#8 of 137 Top 5.1% in $10B-$250B

Non-Interest Income / Assets

revenue_mix

Value: 0.30%

Peer Median: 0.22%

#26 of 137 Top 18.2% in $10B-$250B

Loan-to-Deposit Ratio

liquidity

Value: 70.97%

Peer Median: 80.79%

#30 of 137 Top 21.2% in $10B-$250B

Top Weaknesses (0 metrics)

No weakness rankings available