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Q2 2026 · read from the 30 June 2026 Call Report · United States · Great Lakes · Ohio, the state note

KeyBank National Association

Cleveland, Ohio · $188.56B in assets · beside the 7 other Ohio banks over $10B

The filing

70.6%
Loans / deposits
2nd of 8
+4.3%
Loans, year over year
7th of 8, largest first
54.9%
Efficiency
3rd of 8

KeyBank National Association is the fifth largest of the 8 Ohio banks over $10B, with $188.56B in assets at 30 June 2026. Loans are 70.6% of deposits, 2nd of 8 against a median of 76.8%, and equity is 9.9% of assets, 5th of 8. Loans grew +4.3% in the year, 7th of 8, and deposits grew 4.3%; the cohort's median loan growth is +13.0%.

Noncurrent loans are 0.86% of the book, 5th of 8 against a median of 0.85%; 0.13% is 30 to 89 days past due, and the allowance covers them 1.5 times. Net charge-offs are 0.39% of loans, 6th of 8. Commercial real estate is 12.6% of loans, 5th of 8 against a median of 12.3%, and 67% of capital, below the 300% screen, with construction at 14% against the 100% screen.

Return on assets is 1.26%, 4th of 8 against a median of 1.25%, on an efficiency ratio of 54.9%, 3rd of 8. Five years ago it was 1.52%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Loans as a share of depositsOH banks over $10B · 30 June 2026 · lower is stronger, listed first
median 76.8% JC JPMorgan Chase Bank N.A. 55.4% KN KeyBank National Association 70.6% FT Fifth Third Bank N.A. 74.5% US U S Bank National Association 76.3% FF First Financial Bank 77.3% HN Huntington National Bank 84.2% PN Park National Bank 90.3% TF Third Federal Savings & Loan Association of Cleveland 159.7%
Loans, year over yearOH banks over $10B · 30 June 2026 · no better direction, largest first
median +13.0% FT Fifth Third Bank N.A. +45.8% HN Huntington National Bank +40.9% PN Park National Bank +22.2% FF First Financial Bank +16.6% JC JPMorgan Chase Bank N.A. +9.4% US U S Bank National Association +8.1% KN KeyBank National Association +4.3% TF Third Federal Savings & Loan Association of Cleveland +3.6%

SBA 7(a), FY2008 to FY2026

KeyBank National Association is the 3rd largest 7(a) lender into Washington of 281, with $735M across 1,921 loans, 5.5% of everything approved in the state (U.S. Bank, National Association leads with $933M). 231 of its 584 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Washington, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
King, WA$348M2nd of 1937.5%-2.1 pts
Cuyahoga, OH$174M2nd of 1459.0%+2.3 pts
Erie, NY$148M2nd of 9417.2%-2.0 pts
Marion, IN$126M2nd of 1727.6%-6.8 pts
Multnomah, OR$117M5th of 1407.2%-4.1 pts
Salt Lake, UT$106M10th of 1643.5%-2.9 pts
Snohomish, WA$104M3rd of 1276.5%-4.6 pts
Denver, CO$86M6th of 1934.4%-1.1 pts
Pierce, WA$84M5th of 1375.3%-1.8 pts
Allegheny, PA$83M6th of 1406.5%-6.0 pts
Jefferson, CO$74M3rd of 1834.9%-6.1 pts
Hamilton, OH$67M4th of 1224.7%-5.2 pts
Franklin, OH$65M7th of 1663.0%+0.1 pts
571 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing1,407$732M16.0%1.85%7th of 2,246
Accommodation & food services1,978$563M12.3%0.73%35th of 2,596
Retail trade1,746$470M10.3%0.77%24th of 2,589
Construction1,972$460M10.0%1.45%11th of 2,063
Professional & technical services1,135$402M8.8%1.24%16th of 1,955
7(a) lenders into Washington, share of approvals since FY2008281 lenders on record; the ten largest and KeyBank National Association
UB U.S. Bank, National Association 6.9% $933M · 3,630 loans CB Columbia Bank 6.7% $907M · 2,786 loans KN KeyBank National Association 5.5% $735M · 1,921 loans Bo Bank of Hope 4.9% $658M · 702 loans LO Live Oak Banking Company 4.4% $598M · 424 loans WF Wells Fargo Bank National Associa… 3.9% $518M · 1,645 loans BB Banner Bank 3.5% $467M · 2,139 loans RL Readycap Lending, LLC 3.3% $440M · 406 loans HB Heritage Bank 3.2% $437M · 947 loans U Unibank 2.8% $384M · 420 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
KeyBank National AssociationRankCohort median
Total CRE against capital, the 300% screen67%4th of 867%
Construction against capital, the 100% screen14%4th of 816%
Construction and land development, share of loans2.6%4th of 82.7%
Non-owner-occupied nonfarm nonresidential, share of loans5.2%4th of 85.2%
Total CRE, the guidance definition, share of loans12.6%5th of 812.3%
CRE growth over 36 months, the third prong-11.6%2nd of 8+8.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
JPMorgan Chase Bank N.A.$4091.32B1.5%54.5%0.78%0.60%1.7%55.4%8.3%
U S Bank National Association$705.55B1.2%56.1%1.45%0.52%1.8%76.3%9.8%
Fifth Third Bank N.A.$299.18B0.9%68.0%0.84%0.31%1.6%74.5%12.6%
Huntington National Bank$283.07B1.0%61.7%1.06%0.24%1.7%84.2%11.8%
KeyBank National Association$188.56B1.3%54.9%0.86%0.39%1.3%70.6%9.9%
First Financial Bank$22.35B1.5%57.5%0.70%0.27%1.4%77.3%13.4%
Third Federal Savings & Loan Association of Cleveland$18.06B0.6%60.7%0.25%-0.02%0.5%159.7%9.9%
Park National Bank$12.61B1.8%54.7%0.86%0.11%1.1%90.3%12.4%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
KeyBank National AssociationCohort median
20212026Change20212026Change
Loans$102.91B$111.81B+9%$108.07B$145.60B+35%
Deposits$148.93B$158.48B+6%$148.24B$192.80B+30%
NPA / loans0.79%0.86%+0.07 pts0.97%0.85%-0.12 pts
Efficiency57.5%54.9%-2.6 pts59.8%56.8%-3.0 pts
ROA1.52%1.26%-0.26 pts1.39%1.25%-0.14 pts

This read was prepared for KeyBank National Association's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on KeyBank National Association is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort OH banks over $10B
Institution www.key.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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