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Key Community Bank

$100M-$1B Specialty: Commercial MN FDIC cert 34644

Inver Grove Heights, MN

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
  • Deposits +9.9% year over year ($107.6M on the books).
  • Delinquency rate 0.00%.
  • Return on assets -0.11%.
  • Efficiency ratio 67.76% vs a 64.48% peer average.
  • Loan-to-deposit ratio 95.78% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 151 in MN
View $100M-$1B leaderboard (MN) →

Key Community Bank has 2 strengths but faces 5 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

  • + Credit Quality Leader: Top 44.0% in tier
  • + Net Interest Margin 0.14% above tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 37.8% in tier
  • - Liquidity Strain: Bottom 48.8% in tier
  • - Return on Assets 1.43% below tier average
  • - Nonperforming Asset Ratio 1.30% above tier average
  • - Efficiency Ratio 3.28% above tier average
Get updates when Key Community Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $121.0M
+2.6% YoY -2.2% QoQ
-$265.5M $386.6M
+1.2% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
Bottom 6.0% in tier
Total Loans ? $103.1M
+8.1% YoY -1.2% QoQ
-$155.2M $258.3M
+1.7% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
20%
Total Deposits ? $107.6M
+9.9% YoY +5.5% QoQ
-$219.1M $326.7M
+0.7% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
Bottom 7.9% in tier
Return on Assets ? -0.11%
-108.8% YoY +94.1% QoQ
-1.43% 1.32%
+10.8% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
Bottom 2.8% in tier
Net Interest Margin ? 4.13%
+0.4% YoY -0.2% QoQ
+0.14% 3.99%
+5.0% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
61%
Efficiency Ratio ? 67.76%
+9.6% YoY +11.8% QoQ
+3.28% 64.48%
-3.2% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
35%
Delinquency Rate ? 0.00%
-100.0% QoQ
-0.92% 0.92%
+15.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 95.78%
-1.6% YoY -6.3% QoQ
+17.82% 77.95%
+1.0% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
15%
Non-Interest-Bearing Deposit Share ? 25.37%
-4.2% YoY +5.2% QoQ
+3.34% 22.03%
-0.6% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
67%
Nonperforming Asset Ratio ? 1.97%
-29.6% QoQ
+1.30% 0.67%
+16.4% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
Bottom 7.5% in tier
Tier 1 Capital Ratio ? 10.66%
+4.0% YoY +0.1% QoQ
-5.25% 15.91%
+1.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
19%
Non-Interest Income / Assets ? 0.09%
+20.2% YoY +146.8% QoQ
-0.47% 0.57%
+7.6% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
16%

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 (MN) National Avg Tier Percentile
Noninterest-Bearing 25.4%
-1.1pp YoY
+1.3pp QoQ
 +3.2pp 22.1% 21.9% 22.2% 67%
Brokered Deposits 2.4%
+1.9pp YoY
-8.8pp QoQ
 -5.4pp 7.9% 8.3% 8.5% 33%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
C&I 4.6%
+0.3pp YoY
+0.5pp QoQ
 -7.0pp 11.6% 14.6% 12.5% 18%
CRE n/a n/a 39.5% 36.5% 41.4% n/a
1-4 Family 18.7%
-1.7pp YoY
-0.7pp QoQ
 -13.9pp 32.6% 29.4% 31.3% 27%
Consumer 3.5%
-0.9pp YoY
-0.8pp QoQ
 -0.6pp 4.1% 4.5% 5.0% 66%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 16.5% 19.7% n/a
Leverage Ratio 10.7%
+1.8pp YoY
0.0pp QoQ
 -1.5pp 12.2% 11.0% 12.6% 44%
Total Capital Ratio n/a n/a 19.9% 17.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 15
0 YoY
+2 (+15.4%) QoQ
 -44 58 55 482 4%
Assets per Employee ($) $8.1M
+2.6% YoY
-15.3% QoQ
 +$550K $7.5M $8.6M $8.8M 68%
Branch Count 1
0 YoY
0 QoQ
 -4 4 4 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual n/a n/a 0.9% 1.0% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 20.41x 20.23x n/a
Net Charge-off Rate (YTD) 1.4% +1.2pp 0.1% 0.2% 0.2% 98%

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE -1.1%
-16.6pp YoY
+18.9pp QoQ
 -13.3pp 12.2% 13.1% 11.6% 3%
Cost of Funds (YTD) 1.8%
+0.3pp YoY
+0.2pp QoQ
 +0.1pp 1.7% 1.7% 1.7% 61%
Net Income ($, YTD) $-68000.0
-109.3% YoY
— QoQ
 -$2.6M $2.6M $4.5M $40.4M 3%

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 (1)

Credit Quality Leader

growth
#291 of 659 • Top 44.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ

Concerns (2)

Capital Thin

risk
#251 of 661 • Bottom 37.8% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.66%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Liquidity Strain

risk
#338 of 691 • Bottom 48.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 95.78%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B

Top Weaknesses (8 metrics)

2569
Return on Assets
profitability
Value: -0.11%
Peer Median: 1.32%
#2569 of 2643 Bottom 2.8% in $100M-$1B
2486
Total Assets
size
Value: $121.02M
Peer Median: $386.57M
#2486 of 2643 Bottom 6.0% in $100M-$1B
2445
Nonperforming Asset Ratio
credit_quality
Value: 1.97%
Peer Median: 0.67%
#2445 of 2643 Bottom 7.5% in $100M-$1B
2434
Total Deposits
size
Value: $107.64M
Peer Median: $326.73M
#2434 of 2643 Bottom 7.9% in $100M-$1B
2241
Loan-to-Deposit Ratio
liquidity
Value: 95.78%
Peer Median: 77.95%
#2241 of 2643 Bottom 15.2% in $100M-$1B
2227
Non-Interest Income / Assets
revenue_mix
Value: 0.09%
Peer Median: 0.57%
#2227 of 2643 Bottom 15.8% in $100M-$1B
2142
Tier 1 Capital Ratio
capital
Value: 10.66%
Peer Median: 15.91%
#2142 of 2643 Bottom 19.0% in $100M-$1B
2117
Total Loans
size
Value: $103.10M
Peer Median: $258.35M
#2117 of 2643 Bottom 19.9% in $100M-$1B
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