KeyBank National Association

Headquarters

127 Public Sq
Cleveland, OH 44114
See all branch locations →

ACH 22237044

Phone 800 539 2968

Notable Rates APY Vs.Others
Savings 0.01% 5.55% →
1-Year CD 0.05% 5.41% →
2-Year CD 0.01% 5.25% →
5-Year CD 0.03% 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Bank Information

KeyBank National Association is an FDIC insured institution located in Cleveland, OH. It was founded in 1849 and has approximately $185.89 billion in assets. Customers can open an account at one of its 1,408 branches.

FDIC Insured Yes
FDIC Certificate # 17534
Date Established 1849
Assets $ 185.89 billion
Loans $ 111.90 billion
Deposits $ 148.53 billion
Capital $ 14.79 billion
 

For a more detailed analysis of KeyBank National Association's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - May 21, 2024

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
SAV
0.01% $1 - Learn More
Money Market
0.25% $5,000 - Learn More
CD Rates APY MIN MAX
6 Mo CD
0.05% $2,500 - Learn More
8 Months
5.00% $10,000 $24,999 Learn More
12 Mo CD
0.05% $2,500 - Learn More
13 Month CD
0.01% $10,000 $24,999 Learn More
18 Mo CD
0.01% $10,000 $24,999 Learn More
24 Mo CD
0.01% $2,500 - Learn More
36 Mo CD
0.02% $2,500 - Learn More
48 Mo CD
0.03% $2,500 - Learn More
60 Mo CD
0.03% $2,500 - Learn More

Int Checking Rates APY MIN MAX
INTCK
0.01% $1 $99 Learn MoreShow Less

Online Only Savings Rates of Laurel Road, a division of KeyBank

Online Savings Rates APY MIN MAX
High Yield Savings
5.15% $0 - Learn More
Checking Rates APY MIN FEE
Smart Checking 0.00% $0 $0.00 Learn MoreShow Less
Advantage Checking 0.02% $10,000 $18.00 Learn MoreShow Less
Privilege Checking 0.10% $25,000 $25.00 Learn MoreShow Less

Bank Online Offers


Loan Rates - May 21, 2024

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for KeyBank National Association

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Virginia 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Monthly
Payment
Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.956% 6.875%
0.63 points
$2,655 fees
$2,103 Learn More
Rocket Mortgage
NMLS ID: 3030
7.451% 7.375%
0.75 points
$2,400 fees
$2,211 Learn More
FHAloans.com
NMLS ID: Not a Lender

points
fees
Learn More
MortgageResearch.com
NMLS ID: Not a Lender

points
fees
Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
7.490 %
$0 Learn More
More Info

Note to KeyBank National Association
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

KeyBank National Association branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


KeyBank National Association Locations



Climate Policy and Initiatives


KeyBank has significant lending to the oil and gas industry in excess of $3.60 billion and is aggressively courting new oil and gas business with little effort to curtail its work in this space.  The bank also claims to have significant exposure to battery and solar + storage projects

Updated April 3, 2024


Climate Score: C

KeyBank is clearly a player in financing renewable energy projects, but has decades of work in the oil and gas sector.


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Financial Details

KeyBank National Association Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of KeyBank National Association. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
KeyBank National Association U.S. Bank Average
4.38% 3.96%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2024, KeyBank National Association had $691,399,000 in non-current loans and $22,839,000 in owned real estate. To cover these potential losses it had $14,788,665,000 in equity and $1,524,738,000 in loans loss reserves. That gives it a Texas Ratio of 4.38%.

Return on Equity
KeyBank National Association U.S. Bank Average
9.36% 12.20%

KeyBank National Association has a Return on Equity of 9.36% versus the BestCashCow average of 12.20%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
KeyBank National Association U.S. Bank Average
7.96% 10.76%

KeyBank National Association has a Capitalization of 7.96% versus the BestCashCow average of 10.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

KeyBank National Association Balance Sheet Analysis

As of December 31, 2023, KeyBank National Association had assets of $185,890,386,000, loans of $111,902,711,000, and deposits of $148,528,430,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2024
ASSETS
Cash & Balances due from depository institutions $ 11.82 billion
Interest-bearing balances $ 10.79 billion
Total securities $ 45.76 billion
Federal funds sold and reverse repurchase $ 7.36 million
Net loans and leases $ 111.90 billion
Loan loss allowance $ 1,524.74 million
Trading account assets $ 166.21 million
Bank premises and fixed assets N.A.
Other real estate owned $ 22.84 million
Goodwill and other intangibles $ 3.27 billion
All other assets $ 10.47 billion
     Total Assets $ 171.10 billion
LIABILITIES
Total deposits $ 148.53 billion
      Interest-bearing deposits $ 117.73 billion
      Deposits held in domestic offices $ 148.53 billion
      % insured (estimated) 54.26%
Federal funds purchased and repurchase agreements $ 38.06 million
Trading liabilities $ 1,294.54 million
Other borrowed funds $ 13.16 billion
Subordinated debt $ 1,882.32 million
All other liabilities $ 2.52 billion
      Total Liabilities $ 171.10 billion
      Shareholders’ Equity $ 14.79 billion

Summary Income Statement

December 31, 2024
INCOME AND EXPENSES
Total Interest Income $ 7.86 billion
Total Interest Expense $ 3.69 billion
Net interest income $ 4.16 billion
Provision for loan and lease losses $ 488.58 million
Total non interest income $ 2.04 billion
Total non interest expense $ 4.13 billion
Pre-tax Net Operating Income $ 1,320.48 million

Bank Loan Profile?

The top three loan types in KeyBank National Association’s loan portfolio are Commercial and Industrial Loans, 1-4 Family Residential Loans, and Commercial Real Estate.

Compared to other banks in Ohio, KeyBank National Association has a significantly higher percent of Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 24.85
Multifamily
Mortgages
5.75
Credit Card Loans 0.86
Consumer Auto Loans 0.16
Small Business Loans 0.56
Construction and Development Loans 1.92
Commercial Real Estate 9.05
Commercial and Industrial Loans 39.14
Farm Loans 0.48

Customer Reviews for KeyBank National Association


  • March 28, 2023 |

    On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous.

  • December 25, 2017

    Try to transfer your money if you havent used your account in a while. You cant because its frozen.


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