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

Deposit mix

NIM

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

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%.

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.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ	Trend
Earnings
Return on Assets	1.08%	1.14%	1.17%	1.27%	1.28%	+20 bps
Return on Equity	11.21%	11.68%	11.87%	12.27%	12.54%	+133 bps
Net Interest Margin	2.55%	2.59%	2.64%	2.78%	2.78%	+23 bps
Efficiency Ratio	56.43%	55.86%	55.67%	54.67%	54.78%	-165 bps
Non-Interest Burden	0.94%	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 / Loans	0.80%	0.79%	0.74%	0.82%	0.86%	+6 bps
Net Charge-Offs / Loans	0.40%	0.41%	0.40%	0.37%	0.39%	-1 bps
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	9.81%	9.85%	9.96%	10.02%	9.92%	+11 bps
Total Risk-Based Capital	14.91%	14.81%	14.71%	14.37%	14.05%	-86 bps
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquidity & Funding
Loans / Deposits	70.49%	68.59%	70.17%	71.92%	70.55%	+6 bps
Liquid Assets / Assets	3.79%	4.07%	4.74%	4.90%	5.05%	+126 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a