BlastPoint's Banking Scorecard

KeyBank National Association

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

Cleveland, OH

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

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 4 in OH.
Deposits +4.3% year over year ($158.5B on the books).
Delinquency rate 0.87%.
Return on assets 1.28%.
Efficiency ratio 54.78% vs a 53.67% peer average.
Loan-to-deposit ratio 69.63% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

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

View $10B-$250B leaderboard (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 0.15% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 11.9% in tier
- ROA 0.11% below tier average
- Net Interest Margin 0.81% below tier average
- Efficiency Ratio 1.11% above tier average

Get updates when KeyBank National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$188.6B +3.3% YoY +1.4% QoQ	+$145.0B	$43.6B -13.8% YoY	$36.7B +9.4% YoY	$6.3B +7.7% YoY	Top 2.9% in tier
Total Loans ?	$110.4B +4.4% YoY +1.4% QoQ	+$82.4B	$28.0B -8.6% YoY	$16.2B +12.1% YoY	$3.2B +9.4% YoY	Top 3.6% in tier
Total Deposits ?	$158.5B +4.3% YoY +3.4% QoQ	+$123.1B	$35.4B -14.0% YoY	$26.4B +7.6% YoY	$4.9B +7.3% YoY	Top 2.9% in tier
Return on Assets ?	1.28% +18.7% YoY +0.9% QoQ	-0.11%	1.39% +25.9% YoY	1.21% +9.4% YoY	1.30% +12.1% YoY	53%
Net Interest Margin ?	3.11% +8.5% YoY +0.4% QoQ	-0.81%	3.92% +8.9% YoY	3.65% +6.4% YoY	3.95% +4.9% YoY	23%
Efficiency Ratio ?	54.78% -2.9% YoY +0.2% QoQ	+1.11%	53.67% -1.9% YoY	70.70% -3.8% YoY	70.05% +2.5% YoY	53%
Delinquency Rate ?	0.87% +7.4% YoY +4.8% QoQ	-0.15%	1.01% -2.8% YoY	0.68% +23.3% YoY	0.98% +16.3% YoY	41%
Loan-to-Deposit Ratio ?	69.63% +0.1% YoY -1.9% QoQ	-12.98%	82.61% +3.1% YoY	79.88% +0.7% YoY	79.03% +2.3% YoY	83%
Non-Interest-Bearing Deposit Share ?	19.48% +7.0% YoY +8.2% QoQ	-1.10%	20.58% +4.9% YoY	18.59% +0.9% YoY	21.98% -0.6% YoY	35%
Nonperforming Asset Ratio ?	0.51% +8.5% YoY +4.8% QoQ	-0.22%	0.73% +5.8% YoY	0.46% +23.9% YoY	0.69% +15.8% YoY	48%
Tier 1 Capital Ratio ?	12.27% -4.9% YoY -1.7% QoQ	-3.08%	15.35% -0.4% YoY	18.68% -0.2% YoY	17.09% +0.8% YoY	32%
Non-Interest Income / Assets ?	0.60% -0.1% YoY +98.5% QoQ	+0.11%	0.50% +10.5% YoY	1.22% +2.7% YoY	0.66% +5.2% YoY	80%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Noninterest-Bearing	19.5% +1.3pp YoY +1.5pp QoQ	-1.6pp	21.0%	18.8%	22.2%	33%
Brokered Deposits	2.9% -0.7pp YoY +1.0pp QoQ	-6.3pp	9.2%	7.7%	8.5%	30%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
C&I	33.9% +2.0pp YoY +1.5pp QoQ	+16.7pp	17.2%	10.2%	12.5%	92%
CRE	15.5% -0.4pp YoY -0.5pp QoQ	-26.5pp	42.0%	34.2%	41.4%	7%
1-4 Family	21.6% -2.5pp YoY -0.6pp QoQ	-1.6pp	23.1%	50.0%	31.3%	49%
Consumer	4.9% -0.8pp YoY -0.2pp QoQ	-7.9pp	12.9%	4.7%	5.0%	68%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
CET1 Ratio	12.3% -0.6pp YoY -0.2pp QoQ	-3.0pp	15.3%	22.1%	19.7%	32%
Leverage Ratio	9.9% +0.1pp YoY -0.1pp QoQ	-0.5pp	10.4%	12.9%	12.6%	44%
Total Capital Ratio	14.0% -0.9pp YoY -0.3pp QoQ	-2.5pp	16.5%	23.2%	20.8%	48%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Full-Time Employees	18,026 +216 (+1.2%) YoY +152 (+0.9%) QoQ	+14,768	3,258	2,433	482	97%
Assets per Employee ($)	$10.5M +2.0% YoY +0.5% QoQ	-$16.6M	$27.0M	$7.6M	$8.8M	37%
Branch Count	952 -4 (-0.4%) YoY -1 (-0.1%) QoQ	+814	137	81	18	97%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% 0.0pp YoY -0.1pp QoQ	-0.3pp	0.4%	0.2%	0.4%	70%
Nonaccrual	0.7% +0.1pp YoY +0.1pp QoQ	0.0pp	0.7%	0.6%	1.0%	57%
Allowance Coverage	1.52x -11.1% YoY -6.3% QoQ	-1.29x	2.81x	18.95x	20.23x	39%
Net Charge-off Rate (YTD)	0.4% 0.0pp YoY 0.0pp QoQ	0.0pp	0.4%	0.1%	0.2%	79%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
ROE	12.5% +1.3pp YoY +0.3pp QoQ	-0.1pp	12.6%	9.7%	11.6%	63%
Cost of Funds (YTD)	1.7% -0.4pp YoY 0.0pp QoQ	-0.3pp	2.0%	1.7%	1.7%	38%
Net Income ($, YTD)	$1.2B +19.5% YoY — QoQ	+$887.0M	$296.8M	$259.3M	$40.4M	96%

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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 (1)

Credit Risk Growth

risk

#8 of 59 • Bottom 11.9% in tier

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

59 of 59 Large banks match · 1401 nationally

→ Stable -58 banks QoQ

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 139 peers in $10B-$250B

Top Strengths (5 metrics)

Total Assets

size

Value: $188.56B

Peer Median: $43.60B

#5 of 139 Top 2.9% in $10B-$250B

Total Deposits

size

Value: $158.48B

Peer Median: $35.42B

#5 of 139 Top 2.9% in $10B-$250B

Total Loans

size

Value: $110.35B

Peer Median: $27.97B

#6 of 139 Top 3.6% in $10B-$250B

Loan-to-Deposit Ratio

liquidity

Value: 69.63%

Peer Median: 82.61%

#24 of 139 Top 16.5% in $10B-$250B

Non-Interest Income / Assets

revenue_mix

Value: 0.60%

Peer Median: 0.50%

#29 of 139 Top 20.1% in $10B-$250B

Top Weaknesses (1 metrics)

108

Net Interest Margin

profitability

Value: 3.11%

Peer Median: 3.92%

#108 of 139 Bottom 23.0% in $10B-$250B