Keysavings Bank
Wisconsin Rapids, Wisconsin · FDIC Cert #29691
This is the FDIC profile for Keysavings Bank, an FDIC-insured bank (Certificate #29691) with $109M in total assets and $81M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Wisconsin Rapids, Wisconsin, the bank maintains a Tier 1 capital ratio of 11.13% (Well-Capitalized) and a nonperforming loan ratio of 2.08%. BankHealthData assigns a composite Health Grade of B (69/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Keysavings Bank (FDIC cert 29691) is a community bank — $109M in total assets, $81M in deposits, serving the Wisconsin Rapids, Wisconsin area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 11.13% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is elevated: non-performing loan ratio of 2.08% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is comfortable: 38.9% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is minimal: ROA of 0.01% indicates the bank is barely profitable on an assets basis. Multiple quarters of minimal profitability eventually challenge capital growth and regulatory standing. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Keysavings Bank carries a composite BankHealth grade of B (69/100) 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: Keysavings Bank
- Total Assets
- $109M
- Total Deposits
- $81M
- Tier 1 Capital Ratio
- 11.13%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 2.08%
- Liquidity Ratio
- 38.86%
- Return on Assets
- 0.01%
- Headquarters
- Wisconsin Rapids, Wisconsin
- FDIC Certificate
- #29691
- Health Grade
- B (69/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Keysavings Bank files quarterly Call Reports with the FDIC under Certificate #29691. 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, Keysavings Bank holds a Tier 1 capital ratio of 11.13%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Keysavings Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Keysavings Bank shows strong financial health indicators. With $109M in assets and a Health Score of 69/100, 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 Keysavings Bank Compares
Keysavings Bank’s Health Score of 69 is 9 points below the Wisconsin state average of 78 across 141 FDIC-insured banks. Its 11.13% Tier 1 capital ratio is 2.9 points below the US banking industry average near 14%. The 2.08% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.01% is below the national ROA benchmark of ~1.1%. Among 1153 similarly-sized banks, the average Health Score is 82, meaning this bank ranks below its size cohort. Site-wide, Keysavings Bank is 11 points below the portfolio average of 80.
Frequently Asked Questions
Keysavings Bank has a Bank Health Score of B (69/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 11.13%, 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. Keysavings Bank's Tier 1 capital ratio of 11.13% and nonperforming loan ratio of 2.08% 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 Keysavings Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #29691). 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.
Keysavings Bank holds $109M in total assets and $81M in total deposits. It is headquartered in Wisconsin Rapids, Wisconsin (FDIC Certificate #29691).
Keysavings Bank's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #29691 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Keysavings Bank has a Tier 1 capital ratio of 11.13%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 2.08%, and the return on assets is 0.01%.
Yes. Keysavings Bank is FDIC-insured (Certificate #29691). 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 B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Keysavings Bank'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.