Numbers that matter for banks, which general screens compare wrongly. Some come from the 10-K's XBRL. The rest are quoted from the company's own filings, because there is no standard tag for them: the sentence is the source.
Net interest margin
3.0% 10-Q filed 2026-11-03What the bank earns on loans and securities minus what it pays on deposits, as % of earning assets.
“Net interest margin 4Q exit rate: ~3.00%(c)”
Read it in the filing ↗
Efficiency ratio
62.9% fiscal year to Dec 31, 2025Non-interest expense as % of revenue. Lower is leaner.
| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|
| 61.0% | 60.9% | 74.2% | 99.4% | 62.9% |
XBRL: NoninterestExpense, 0001628280-26-010546; InterestIncomeExpenseNet, 0001628280-26-010546; NoninterestIncome, 0001628280-26-010546
Loans to deposits
70.7% fiscal year to Dec 31, 2025How much of its deposits the bank has lent out.
| FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| 82.8% | 76.3% | 68.7% | 70.7% |
XBRL: FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss, 0000091576-26-000023; Deposits, 0000091576-26-000023
Return on tangible common equity
12.1% fiscal year to Dec 31, 2025Net income over common equity without goodwill and intangibles (net income is before preferred dividends, so this runs a little high for banks with preferred stock).
| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|
| 20.7% | 23.6% | 10.4% | -1.2% | 12.1% |
XBRL: NetIncomeLoss, 0001628280-26-010546; StockholdersEquity, 0000091576-26-000023; PreferredStockValue, 0000091576-26-000023; Goodwill, 0000091576-26-000023; IntangibleAssetsNetExcludingGoodwill, 0000091576-26-000023
Net interest income
$4.6B fiscal year to Dec 31, 2025Interest earned minus interest paid.
| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|
| $4.1B | $4.5B | $3.9B | $3.8B | $4.6B |
XBRL: InterestIncomeExpenseNet, 0001628280-26-010546
Work on KEY in a spreadsheet:
Excel workbook (a sheet per section, ten years by column, charts, links to the filings) ·
CSV.
For a Google Sheet that stays up to date, paste =IMPORTDATA("https://tickdelta.com/company/KEY/export.csv") into a cell.