Keybank National Assn
Cleveland, Ohio · FDIC Cert #17534
This is the FDIC profile for Keybank National Assn, an FDIC-insured bank (Certificate #17534) with $185.0B in total assets and $149.3B in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Cleveland, Ohio, the bank maintains a Tier 1 capital ratio of 12.59% (Well-Capitalized) and a nonperforming loan ratio of 0.89%. BankHealthData assigns a composite Health Grade of A (83/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Keybank National Assn (FDIC cert 17534) is a mega-bank: $185.0B in total assets, $149.3B in deposits, headquartered in Cleveland, Ohio. Banks at this scale account for the bulk of U.S. banking assets and operate under enhanced prudential standards from the Federal Reserve, OCC, and FDIC.
Capital position is strong: Tier 1 capital ratio of 12.59% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 0.89% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 33.7% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is solid: ROA of 0.83% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Keybank National Assn carries a composite BankHealth grade of A (83/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Keybank National Assn
- Total Assets
- $185.0B
- Total Deposits
- $149.3B
- Tier 1 Capital Ratio
- 12.59%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.89%
- Liquidity Ratio
- 33.68%
- Return on Assets
- 0.83%
- Headquarters
- Cleveland, Ohio
- FDIC Certificate
- #17534
- Health Grade
- A (83/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Keybank National Assn files quarterly Call Reports with the FDIC under Certificate #17534. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Keybank National Assn holds a Tier 1 capital ratio of 12.59%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Keybank National Assn has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Keybank National Assn shows strong financial health indicators. With $185.0B in assets and a Health Score of 83/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Keybank National Assn Compares
Keybank National Assn’s Health Score of 83 is 3 points above the Ohio state average of 80 across 144 FDIC-insured banks. Its 12.59% Tier 1 capital ratio is 1.4 points below the US banking industry average near 14%. The 0.89% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.83% is below the national ROA benchmark of ~1.1%. Among 20 similarly-sized banks, the average Health Score is 83, meaning this bank ranks above its size cohort. Site-wide, Keybank National Assn is 3 points above the portfolio average of 80.
Frequently Asked Questions
Keybank National Assn has a Bank Health Score of A (83/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 12.59%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Keybank National Assn's Tier 1 capital ratio of 12.59% and nonperforming loan ratio of 0.89% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Keybank National Assn is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #17534). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Keybank National Assn holds $185.0B in total assets and $149.3B in total deposits. It is headquartered in Cleveland, Ohio (FDIC Certificate #17534).
Keybank National Assn's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #17534 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Keybank National Assn has a Tier 1 capital ratio of 12.59%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.89%, and the return on assets is 0.83%.
Yes. Keybank National Assn is FDIC-insured (Certificate #17534). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Keybank National Assn's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.