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Keybank National Association

Cleveland, OH · Cert 17534 · Keycorp

National charter · OCC · 951 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

38

Q2 2024Q2 2026peer median (50)

Asset Quality

33

Q2 2024Q2 2026peer median (50)

Profitability

46

Q2 2024Q2 2026peer median (50)

Liquidity

34

Q2 2024Q2 2026peer median

Efficiency

56

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-12

Keybank National Association

Cleveland, OH · Cert 17534 · Keycorp

National charter · OCC · 951 branches

Q2 2026

$188.6BAssets
$111.8BLoans
$158.5BDeposits
$18.7BEquity
Loan mix
51%RE $41.7B43%C&I $35.3B7%Consumer $5.6BQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $127.6B19%Noninterest $30.9BQ2 2025Q2 2026

NIM

4.29%Q2 ’244.42%Q2 ’254.29%Q2 ’26+27%+9%

Non-interest income vs. expense

2.04%Q2 ’242.11%Q2 ’252.19%Q2 ’26-5%+5%

Market Position · Cleveland, OH · 2026 SOD (annual) · 46.5% share · #1 of 35 inst. · $63.4B of $136.4B

54.9% Cuyahoga
43.5% Albany
6.0% King
9.8% Erie

Executive Summary

  • Earnings: ROA of 1.28%, up 20 bps year over year; NIM at 2.78%.
  • Asset quality: problem loans at 0.86% of loans (+6 bps YoY), with net charge-offs at 0.39%.
  • Capital: tier 1 leverage ratio of 9.92%, up 11 bps from a year ago.
  • Funding: loans stand at 70.55% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.28%+20 bps YoY

Net Interest Margin (YTD, annualized)

2.78%+23 bps YoY

Efficiency Ratio (YTD, annualized)

54.78%-165 bps YoY

Tier 1 Leverage Ratio

9.92%+11 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.08%1.14%1.17%1.27%1.28%+20 bps
Return on Equity11.21%11.68%11.87%12.27%12.54%+133 bps
Net Interest Margin2.55%2.59%2.64%2.78%2.78%+23 bps
Efficiency Ratio56.43%55.86%55.67%54.67%54.78%-165 bps
Non-Interest Burden0.94%0.93%0.93%0.98%0.98%+5 bps
Growth
Asset Growth (YoY)-1.28%-1.35%-1.49%0.11%3.27%+455 bps
Loan Growth (YoY)-0.68%0.41%2.38%4.15%4.35%+503 bps
Deposit Growth (YoY)1.83%0.83%-0.86%-1.58%4.26%+244 bps
Asset Quality
Nonperforming Loans / Loans0.80%0.79%0.74%0.82%0.86%+6 bps
Net Charge-Offs / Loans0.40%0.41%0.40%0.37%0.39%-1 bps
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.81%9.85%9.96%10.02%9.92%+11 bps
Total Risk-Based Capital14.91%14.81%14.71%14.37%14.05%-86 bps
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits70.49%68.59%70.17%71.92%70.55%+6 bps
Liquid Assets / Assets3.79%4.07%4.74%4.90%5.05%+126 bps
CRE / Total Capitaln/an/an/an/an/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-12

Keybank National Association

Cleveland, OH · Cert 17534 · Peer group: banks over $10B in assets (n=142-144) · Keycorp

National charter · OCC · 951 branches

Q2 2026

$188.6BAssets
$111.8BLoans
$158.5BDeposits
$18.7BEquity

Executive Summary

  • Strongest standing: return on equity outperforms 65% of banks over $10B in assets (rank 50 of 144).
  • Widest gap: net interest margin trails 78% of banks over $10B in assets (rank 112 of 144).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.26%

Rank 72 of 144

Net Interest Margin

2.78%

Rank 112 of 144

Efficiency Ratio

54.90%

Rank 65 of 144

Equity / Assets

9.93%

Rank 98 of 144

Non-interest income vs. expense

$2.3B$4.1BINCOMEEXPENSE
Unfavorable gap of $1.9B · efficiency ratio beats 56% of banks over $10B in assets
Bank 54.90%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.26%1.00%1.26%1.54%Beats 50%72 / 144
Return on Equity12.64%8.98%11.34%14.40%Beats 65%50 / 144
Net Interest Margin2.78%2.82%3.31%3.68%Beats 22%112 / 144
Efficiency Ratio54.90%49.42%56.02%62.41%Beats 56%65 / 144
Asset Quality
Nonperforming Loans / Loans0.86%0.48%0.73%1.07%Beats 40%86 / 142
Net Charge-Offs / Loans0.22%0.05%0.11%0.22%Beats 25%107 / 142
Capital
Tier 1 Capital Ratio12.27%12.07%12.98%14.92%Beats 33%97 / 144
Total Risk-Based Capital Ratio14.05%13.39%14.14%16.25%Beats 48%75 / 144
Equity / Assets9.93%9.69%11.39%12.96%Beats 32%98 / 144
Liquidity & Funding
Loans / Deposits70.55%75.72%84.92%91.56%17th pctl118 / 143
Loans / Assets59.30%59.83%69.07%74.80%24th pctl110 / 144
Brokered Deposits / Depositsn/aNot reported for this institution