Key Community Bank: how it compares with its peers
Against 94 MN banks with half to twice its assets, Key Community Bank's strongest measure in Q2 2026 is assets per employee ($8.1M vs. a $7.2M peer median). Its weakest relative measure is return on assets (-0.11% vs. 1.25%).
| Measure | Key Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -0.11% | 1.25% | Bottom third Ahead of 2% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.13% | 4.12% | Middle third Ahead of 52% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 67.76% | 61.04% | Bottom third Ahead of 26% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.1M | $7.2M | Middle third Ahead of 65% of peers |
| Loans to deposits Net loans and leases over total deposits. | 95.78% | 79.00% | Context |
What it means for lending operations
Its efficiency ratio of 67.76% is above the 61.04% 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
- Heritage Bank Minnesota West Concord, MN · $121M
- Global Innovations Bank Kiester, MN · $120M
- State Bank of New Richland New Richland, MN · $124M
- First State Bank of Bigfork Bigfork, MN · $117M
- Mid-Central National Bank Wadena, MN · $117M
- COMMUNITY FIRST BANK Menahga, MN · $126M
Questions about Key Community Bank
How big is Key Community Bank?
Key Community Bank, established in 1998, is headquartered in Inver Grove Heights, MN. It reported $121M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Key Community Bank's return on assets?
-0.11% annualized in Q2 2026, against a 1.25% median for 94 MN banks with half to twice its assets, ahead of 2% of them.
What is Key Community Bank's efficiency ratio?
67.76% in Q2 2026: it spent about 68 cents in noninterest expense for each dollar of revenue. The peer median is 61.04%, and lower is better.
Is Key Community Bank growing its loans?
Net loans grew 8.1% over the year to Q2 2026, while deposits grew 9.9%.
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 MN 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 Minnesota bank ranked.