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Examined: Sat, 25 Apr 2026 19:41:28 GMT

KeyBank National Association

RSSD 280110 · OH · Total assets $181,708M

Composite CAMELS

2 — Satisfactory

Capital

0 findings

Asset Quality

0 findings

Management

0 findings

Earnings

2 findings

Liquidity

0 findings

Sensitivity

0 findings

Critical

High

Moderate

Low

Procedures run

Findings

MODERATE · Earnings Procedure E-01

Return on assets below typical peer range

Citation

OCC Comptroller's Handbook, "Earnings"; FFIEC UBPR User's Guide §IV — Earnings Analysis

Evidence

YTD net income $132M on average assets $185,554M. Typical community-bank peer ROA is 0.9–1.1%; sustained sub-0.5% ROA can indicate margin compression, asset-quality deterioration, or expense growth out of pace with revenue. Negative ROA triggers heightened supervisory attention.

Recommended action

Provide written analysis of the drivers (margin compression, noninterest expense growth, credit costs, fee compression). If ROA is negative, submit an earnings-restoration plan to the primary regulator with quarterly milestones and a path back to peer-range earnings within four to eight quarters.

MODERATE · Earnings Procedure E-02

Net interest margin materially compressed

Citation

FFIEC UBPR User's Guide §IV — Earnings Analysis; OCC Comptroller's Handbook, "Interest Rate Risk"

Evidence

Year-to-date net interest margin is 2.43%. Compressed margin can reduce core earnings capacity and may indicate asset-yield pressure, funding-cost pressure, interest-rate-risk exposure, or adverse balance-sheet mix.

Recommended action

Provide management's margin analysis, including earning-asset yields, funding costs, repricing gaps, deposit betas, and modeled sensitivity to parallel and nonparallel rate shocks. Document board-approved actions to restore sustainable margin without assuming excessive credit, liquidity, or interest-rate risk.

Key ratios computed

Tier 1 ratio

12.94%

↑ rank 14 of 33 · regional

Tier 1 leverage

9.42%

↑ rank 16 of 34 · regional

Total capital

15.12%

↑ rank 9 of 34 · regional

NPL ratio

0.89%

ACL coverage

152.19%

CRE concentration

42.52%

Construction conc.

14.31%

ROA (annualized)

0.07%

↑ rank 31 of 34 · regional

NIM

2.43%

↑ rank 28 of 34 · regional

Efficiency ratio

63.17%

↓ rank 23 of 34 · regional

Loans / Deposits

67.95%

Brokered / Deposits

3.22%

Uninsured / Deposits

44.86%

Liquid asset ratio

9.47%

HTM loss / Tier 1

—

Asset growth YoY

—

Trend — last 8 quarters

Total assets ($M)

$184,461M

23Q03$195,191M 23Q06$192,783M 23Q09$185,571M 23Q12$185,890M 24Q03$185,233M 24Q06$184,963M 24Q09$187,221M 24Q12$184,461M

Tier 1 leverage

9.42%

23Q038.84% 23Q068.72% 23Q098.98% 23Q129.22% 24Q039.33% 24Q069.35% 24Q099.04% 24Q129.42%

Tier 1 RBC ratio

12.94%

23Q0310.58% 23Q0610.88% 23Q0911.58% 23Q1211.94% 24Q0312.26% 24Q0612.59% 24Q0912.43% 24Q1212.94%

ROA (YTD ann.)

0.07%

23Q030.84% 23Q060.79% 23Q090.79% 23Q120.68% 24Q030.60% 24Q060.67% 24Q090.23% 24Q120.07%

NIM (YTD ann.)

2.43%

23Q032.67% 23Q062.52% 23Q092.46% 23Q122.43% 24Q032.25% 24Q062.28% 24Q092.34% 24Q122.43%

Efficiency ratio

63.2%

23Q0361.0% 23Q0660.6% 23Q0961.4% 23Q1265.9% 24Q0368.8% 24Q0666.0% 24Q0964.1% 24Q1263.2%

This report was produced in <200ms from the underlying procedures library. Production deployments cite source documents directly from your loan tape, GL, and core system.

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