KeySavings Bank: how it compares with its peers
Against 40 WI banks with half to twice its assets, KeySavings Bank's strongest measure in Q2 2026 is efficiency ratio (70.80% vs. a 64.61% peer median). Its weakest relative measure is return on assets (0.55% vs. 1.23%).
| Measure | KeySavings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.55% | 1.23% | Bottom third Ahead of 5% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.37% | 3.98% | Bottom third Ahead of 10% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 70.80% | 64.61% | Bottom third Ahead of 28% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.2M | $6.5M | Bottom third Ahead of 23% of peers |
| Loans to deposits Net loans and leases over total deposits. | 78.83% | 85.47% | Context |
What it means for lending operations
Its efficiency ratio of 70.80% is above the 64.61% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Conservation First Bank Benton, WI · $127M
- Bonduel State Bank Bonduel, WI · $132M
- Security State Bank Iron River, WI · $136M
- Headwaters State Bank Land O' Lakes, WI · $122M
- Union State Bank West Salem, WI · $118M
- River Falls State Bank River Falls, WI · $143M
Questions about KeySavings Bank
How big is KeySavings Bank?
KeySavings Bank, established in 1920, is headquartered in Wisconsin Rapids, WI. It reported $129M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is KeySavings Bank's return on assets?
0.55% annualized in Q2 2026, against a 1.23% median for 40 WI banks with half to twice its assets, ahead of 5% of them.
What is KeySavings Bank's efficiency ratio?
70.80% in Q2 2026: it spent about 71 cents in noninterest expense for each dollar of revenue. The peer median is 64.61%, and lower is better.
Is KeySavings Bank growing its loans?
Net loans grew 5.2% over the year to Q2 2026, while deposits grew 3.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are WI banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Wisconsin bank ranked.