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KEY Q3 2025 request
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| Metric | Q3 2025 | Q3 2024 | YoY |
|---|---|---|---|
| Interest And Fee Income Loans And Leases Held In Portfolio | 1,466 | 1,516 | -3.3% |
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| Accumulated Gain Loss Net Cash Flow Hedge Parent · Reclassification Out Of Accumulated Other Comprehensive Income | -98 | -184 | +46.7% |
| Interest And Fee Income Loans And Leases Held For Sale | 18 | 18 | 0.0% |
| Interest Income Debt Securities Available For Sale Operating | 408 | 298 | +36.9% |
| Interest And Dividend Income Securities Held To Maturity | 64 | 70 | -8.6% |
| Interest Income Debt Securities Trading Operating | 11 | 15 | -26.7% |
| Interest Income Operating | 156 | 244 | -36.1% |
| Interest Income Other | 8 | 14 | -42.9% |
| Interest And Dividend Income Operating | 2,131 | 2,175 | -2.0% |
| Interest Expense Deposits | 748 | 887 | -15.7% |
| Interest Expense Federal Funds Purchased And Securities Sold Under Agreements To Repurchase | 4 | 1 | +300.0% |
| Interest Expense Short Term Borrowings Excluding Federal Funds And Securities Sold Under Agreements To Repurchase | 14 | 43 | -67.4% |
| Interest Expense Long Term Debt | 181 | 292 | -38.0% |
| Interest Expense Operating | 947 | 1,223 | -22.6% |
| Interest Income Expense Net | 1,184 | 952 | +24.4% |
| Provision For Loan Lease And Other Losses | 107 | 95 | +12.6% |
| Interest Income Expense After Provision For Loan Loss | 1,077 | 857 | +25.7% |
| Trust And Investment Services Income | 150 | 140 | +7.1% |
| Investment Banking Advisory Brokerage And Underwriting Fees And Commissions | 184 | 171 | +7.6% |
| Cards And Payments Income | 86 | 84 | +2.4% |
| Service Charges On Deposit Accounts | 75 | 67 | +11.9% |
| Banking Services Income | 72 | 69 | +4.3% |
| Fees And Commissions Mortgage Banking And Servicing | 73 | 73 | 0.0% |
| Bank Owned Life Insurance Income | 35 | 36 | -2.8% |
| Consumer Mortgage Income | 14 | 12 | +16.7% |
| Operating Lease Lease Income | 11 | 16 | -31.2% |
| Noninterest Income Other | 8 | -2 | +500.0% |
| Debt And Equity Securities Gain Loss | -6 | -935 | +99.4% |
| Noninterest Income | 702 | -269 | +361.0% |
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| Other noninterest income | 238 | 218 | +9.2% |
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| Commercial Bank · Operating Segments | 427 | 406 | +5.2% |
| Consumer Bank · Operating Segments | 244 | 231 | +5.6% |
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| Other | 31 | -906 | +103.4% |
| Labor And Related Expense | 742 | 670 | +10.7% |
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| Commercial Bank · Operating Segments | 200 | 192 | +4.2% |
| Consumer Bank · Operating Segments | 230 | 214 | +7.5% |
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| Other | 312 | 264 | +18.2% |
| Occupancy Net | 65 | 66 | -1.5% |
| Communications And Information Technology | 105 | 104 | +1.0% |
| Professional Fees | 44 | 41 | +7.3% |
| Equipment Expense | 20 | 20 | 0.0% |
| Operating Lease Expense | 9 | 14 | -35.7% |
| Marketing And Advertising Expense | 22 | 21 | +4.8% |
| Other Noninterest Expense | 170 | 158 | +7.6% |
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| Amortization of losses · Reclassification Out Of Accumulated Other Comprehensive Income | 2 | 3 | -33.3% |
| Noninterest Expense | 1,177 | 1,094 | +7.6% |
| Income Before Taxes | 602 | -506 | +219.0% |
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| Accumulated Defined Benefit Plans Adjustment · Reclassification Out Of Accumulated Other Comprehensive Income | -2 | -3 | +33.3% |
| Accumulated Gain Loss Net Cash Flow Hedge Parent · Reclassification Out Of Accumulated Other Comprehensive Income | -98 | -187 | +47.6% |
| Income Tax Expense (Benefit) | 112 | -95 | +217.9% |
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| Accumulated Gain Loss Net Cash Flow Hedge Parent · Reclassification Out Of Accumulated Other Comprehensive Income | -24 | -45 | +46.7% |
| Income Loss From Continuing Operations | 490 | -411 | +219.2% |
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| Commercial Bank · Operating Segments | 367 | 299 | +22.7% |
| Consumer Bank · Operating Segments | 152 | 75 | +102.7% |
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| Accumulated Defined Benefit Plans Adjustment · Reclassification Out Of Accumulated Other Comprehensive Income | -2 | -2 | 0.0% |
| Accumulated Gain Loss Net Cash Flow Hedge Parent · Reclassification Out Of Accumulated Other Comprehensive Income | -74 | -142 | +47.9% |
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| Other | -29 | -785 | +96.3% |
| Discontinued Operation Income Loss From Discontinued Operation During Phase Out Period Net Of Tax | -1 | 1 | -200.0% |
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| Other | -1 | 1 | -200.0% |
| Net Income | 489 | -410 | +219.3% |
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| Commercial Bank · Operating Segments | 367 | 299 | +22.7% |
| Consumer Bank · Operating Segments | 152 | 75 | +102.7% |
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| Retained Earnings | 489 | -410 | +219.3% |
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| Other | -30 | -784 | +96.2% |
| Income Loss From Continuing Operations Attributable To Key Common Shareholders | 454 | -447 | +201.6% |
| Net Income Loss Available To Common Stockholders Basic | 453 | -446 | +201.6% |
| Income Loss From Continuing Operations Attributable To Commons Shareholders Per Basic Share | 0.41 | -0.47 | +187.2% |
| EPS (Basic) | 0.41 | -0.47 | +187.2% |
| Income Loss From Continuing Operations Attributable To Key Commons Shareholders Per Diluted Share | 0.41 | -0.47 | +187.2% |
| EPS (Diluted) | 0.41 | -0.47 | +187.2% |
| Wtd Avg Shares (Basic) | 1,100,830 | 948,979 | +16.0% |
| Incremental Common Shares Attributable To Share Based Payment Arrangements | 9,845 | — | — |
| Wtd Avg Shares (Diluted) | 1,110,675 | 948,979 | +17.0% |
| Revenue | 1,895 | 695 | +172.7% |
Show Business Segments breakouts |
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| Commercial Bank · Operating Segments | 1,014 | 866 | +17.1% |
| Consumer Bank · Operating Segments | 935 | 800 | +16.9% |
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| Other | -54 | -971 | +94.4% |
| Revenue | 433 | 419 | +3.3% |
Show Product Lines breakouts |
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| Cards and payments income | 86 | 90 | -4.4% |
| Cards and payments income · Commercial Bank | 41 | 45 | -8.9% |
| Cards and payments income · Consumer Bank | 45 | 45 | 0.0% |
| Investment banking and debt placement fees | 129 | 128 | +0.8% |
| Investment banking and debt placement fees · Commercial Bank | 129 | 128 | +0.8% |
| Other noninterest income | 2 | 3 | -33.3% |
| Other noninterest income · Consumer Bank | 2 | 3 | -33.3% |
| Services charges on deposit accounts | 74 | 67 | +10.4% |
| Services charges on deposit accounts · Commercial Bank | 38 | 32 | +18.8% |
| Services charges on deposit accounts · Consumer Bank | 36 | 35 | +2.9% |
| Trust and investment services income | 142 | 131 | +8.4% |
| Trust and investment services income · Commercial Bank | 18 | 17 | +5.9% |
| Trust and investment services income · Consumer Bank | 124 | 114 | +8.8% |
Show Business Segments breakouts |
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| Commercial Bank · Operating Segments | 226 | 222 | +1.8% |
| Consumer Bank · Operating Segments | 207 | 197 | +5.1% |
| Comprehensive Income | 841 | 1,453 | -42.1% |
| Other Comprehensive Income | 352 | 1,863 | -81.1% |
Show Equity Components breakouts |
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| Accumulated Defined Benefit Plans Adjustment | 1 | 1 | 0.0% |
| Accumulated Gain Loss Net Cash Flow Hedge Parent | 50 | 199 | -74.9% |
| Accumulated Net Unrealized Investment Gain Loss | 301 | 1,663 | -81.9% |
| Depreciation And Amortization | 435 | 424 | +2.6% |
Show Business Segments breakouts |
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| Commercial Bank · Operating Segments | 74 | 74 | 0.0% |
| Consumer Bank · Operating Segments | 136 | 137 | -0.7% |
Show Consolidation Items breakouts |
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| Other | 225 | 213 | +5.6% |
Balance Sheet
| Metric | Q3 2025 | Q3 2024 | YoY |
|---|---|---|---|
| Current Assets | |||
| Short-Term Investments | 13,334 | 22,796 | -41.5% |
| Non-Current Assets | |||
| Goodwill | 2,752 | 2,752 | 0.0% |
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| Commercial Bank | 933 | 933 | 0.0% |
| Consumer Bank | 1,819 | 1,819 | 0.0% |
| Total Assets | 187,409 | 189,763 | -1.2% |
Show Consolidated Entities breakouts |
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| Variable Interest Entity Not Primary Beneficiary | 557 | 818 | -31.9% |
| Variable Interest Entity Not Primary Beneficiary · Indirect investments | 1,836 | 2,372 | -22.6% |
| Variable Interest Entity Not Primary Beneficiary · LIHTC | 11,249 | 10,008 | +12.4% |
| Deferred Tax Assets (Q) | — | — | — |
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| Accrued Income And Other Assets | 1.2 | 1.4 | -14.3% |
| Other Assets | |||
| Cash And Due From Banks | 1,938 | 1,276 | +51.9% |
| Trading Securities | 972 | 1,404 | -30.8% |
Show Fair Value Hierarchy breakouts |
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| Fair Value Inputs Level1 · Estimate Of Fair Value Fair Value Disclosure | 1 | — | — |
| Fair Value Inputs Level1 · Fair Value Measurements Recurring | 1 | — | — |
| Fair Value Inputs Level1 · Other Debt Securities | 1 | — | — |
| Fair Value Inputs Level2 · Estimate Of Fair Value Fair Value Disclosure | 971 | 1,404 | -30.8% |
| Fair Value Inputs Level2 · Fair Value Measurements Recurring | 967 | 1,399 | -30.9% |
| Fair Value Inputs Level2 · Fair Value Measurements Recurring | 199 | 355 | -43.9% |
| Fair Value Inputs Level2 · Other Debt Securities | 139 | 14 | +892.9% |
| Fair Value Inputs Level2 · US States And Political Subdivisions | 79 | 102 | -22.5% |
| Fair Value Inputs Level2 · US Treasury And Government | 550 | 928 | -40.7% |
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| Other Debt Securities · Fair Value Measurements Recurring | 140 | 14 | +900.0% |
| US States And Political Subdivisions · Fair Value Measurements Recurring | 79 | 102 | -22.5% |
| US Treasury And Government · Fair Value Measurements Recurring | 550 | 928 | -40.7% |
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| Carrying Reported Amount Fair Value Disclosure | 972 | 1,404 | -30.8% |
| Estimate Of Fair Value Fair Value Disclosure | 972 | 1,404 | -30.8% |
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| Fair Value Measurements Recurring | 968 | 1,399 | -30.8% |
| Fair Value Measurements Recurring · Mortgage Backed Securities Other | 199 | 355 | -43.9% |
| Debt Securities Available For Sale Excluding Accrued Interest | 40,456 | 34,169 | +18.4% |
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| Fair Value Inputs Level2 · Collateralized Mortgage Obligations | 8,779 | 12,991 | -32.4% |
| Fair Value Inputs Level2 · Commercial Mortgage Backed Securities | 4,035 | 4,634 | -12.9% |
| Fair Value Inputs Level2 · Estimate Of Fair Value Fair Value Disclosure | 40,456 | 34,169 | +18.4% |
| Fair Value Inputs Level2 · Fair Value Measurements Recurring | 40,456 | 34,169 | +18.4% |
| Fair Value Inputs Level2 · Residential Mortgage Backed Securities | 19,434 | 7,321 | +165.5% |
| Fair Value Inputs Level2 · US Treasury And Government | 8,208 | 9,223 | -11.0% |
Show Financial Instrument breakouts |
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| Collateralized Mortgage Obligations | 8,779 | 12,991 | -32.4% |
| Commercial Mortgage Backed Securities | 4,035 | 4,634 | -12.9% |
| Commercial Mortgage Backed Securities · Fair Value Measurements Recurring | 4,035 | 4,634 | -12.9% |
| Residential Mortgage Backed Securities | 19,434 | 7,321 | +165.5% |
| Residential Mortgage Backed Securities · Fair Value Measurements Recurring | 19,434 | 7,321 | +165.5% |
| US Treasury And Government | 8,208 | 9,223 | -11.0% |
| US Treasury And Government · Fair Value Measurements Recurring | 8,208 | 9,223 | -11.0% |
Show Derivative Risk breakouts |
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| Interest Rate Contract · Securities Available for Sale | 6.1 | 12.3 | -50.4% |
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| Collateralized Mortgage Obligations · Fair Value Measurements Recurring | 8,779 | 12,991 | -32.4% |
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| Carrying Reported Amount Fair Value Disclosure | 40,456 | 34,169 | +18.4% |
| Estimate Of Fair Value Fair Value Disclosure | 40,456 | 34,169 | +18.4% |
Show Fair Value By Measurement Frequency breakouts |
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| Fair Value Measurements Recurring | 40,456 | 34,169 | +18.4% |
| Debt Securities Held To Maturity Excluding Accrued Interest After Allowance For Credit Loss | 7,509 | 7,702 | -2.5% |
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| Fair Value Inputs Level2 · Estimate Of Fair Value Fair Value Disclosure | 7,164 | 7,317 | -2.1% |
Show Financial Instrument breakouts |
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| Asset Backed Securities | 122 | 394 | -69.0% |
| Collateralized Mortgage Obligations | 4,176 | 4,743 | -12.0% |
| Commercial Mortgage Backed Securities | 2,185 | 2,385 | -8.4% |
| Other Debt Securities | 24 | 26 | -7.7% |
| Residential Mortgage Backed Securities | 1,002 | 154 | +550.6% |
Show Fair Value By Measurement Basis breakouts |
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| Carrying Reported Amount Fair Value Disclosure | 7,509 | 7,702 | -2.5% |
| Estimate Of Fair Value Fair Value Disclosure | 7,164 | 7,317 | -2.1% |
| Other Investments | 921 | 1,117 | -17.5% |
| Financing Receivable Excluding Accrued Interest Before Allowance For Credit Loss | 105,902 | 105,346 | +0.5% |
Show Fair Value Hierarchy breakouts |
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| Fair Value Inputs Level3 · Estimate Of Fair Value Fair Value Disclosure | 101,186 | 100,480 | +0.7% |
| Fair Value Inputs Level3 · Fair Value Measurements Recurring | 10 | 9 | +11.1% |
Show Collateral breakouts |
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| Collateral Pledged · Commercial Portfolio Segment | 1 | 3 | -66.7% |
Show Credit Score Fico breakouts |
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| 660 to 749 · Consumer Portfolio Segment | 1,047 | 1,176 | -11.0% |
| 660 to 749 · Consumer Portfolio Segment | 1,748 | 2,003 | -12.7% |
| 660 to 749 · Consumer Portfolio Segment | 366 | 368 | -0.5% |
| 660 to 749 · Consumer Portfolio Segment | 1,308 | 1,491 | -12.3% |
| 750 and above · Consumer Portfolio Segment | 3,147 | 3,601 | -12.6% |
| 750 and above · Consumer Portfolio Segment | 16,909 | 17,768 | -4.8% |
| 750 and above · Consumer Portfolio Segment | 460 | 438 | +5.0% |
| 750 and above · Consumer Portfolio Segment | 4,104 | 4,583 | -10.5% |
| Less than 660 · Consumer Portfolio Segment | 260 | 266 | -2.3% |
| Less than 660 · Consumer Portfolio Segment | 331 | 329 | +0.6% |
| Less than 660 · Consumer Portfolio Segment | 106 | 107 | -0.9% |
| Less than 660 · Consumer Portfolio Segment | 444 | 476 | -6.7% |
| No Score · Consumer Portfolio Segment | 325 | 295 | +10.2% |
| No Score · Consumer Portfolio Segment | 20 | 22 | -9.1% |
| No Score · Consumer Portfolio Segment | 1 | 1 | 0.0% |
| No Score · Consumer Portfolio Segment | 7 | 5 | +40.0% |
Show Fair Value By Measurement Basis breakouts |
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| Carrying Reported Amount Fair Value Disclosure | 104,448 | 103,843 | +0.6% |
| Estimate Of Fair Value Fair Value Disclosure | 101,186 | 100,480 | +0.7% |
Show Fair Value By Measurement Frequency breakouts |
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| Fair Value Measurements Recurring | 10 | 9 | +11.1% |
Show Financial Instrument Performance Status breakouts |
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| Nonperforming Financing Receivable | 658 | 728 | -9.6% |
| Nonperforming Financing Receivable · Commercial Portfolio Segment | 467 | 541 | -13.7% |
| Nonperforming Financing Receivable · Commercial Portfolio Segment | 253 | 365 | -30.7% |
| Nonperforming Financing Receivable · Commercial Portfolio Segment | 214 | 176 | +21.6% |
| Nonperforming Financing Receivable · Commercial Portfolio Segment | 214 | 176 | +21.6% |
| Nonperforming Financing Receivable · Consumer Portfolio Segment | 191 | 187 | +2.1% |
| Nonperforming Financing Receivable · Consumer Portfolio Segment | 4 | 4 | 0.0% |
| Nonperforming Financing Receivable · Consumer Portfolio Segment | 98 | 87 | +12.6% |
| Nonperforming Financing Receivable · Consumer Portfolio Segment | 7 | 6 | +16.7% |
| Nonperforming Financing Receivable · Consumer Portfolio Segment | 82 | 90 | -8.9% |
Show Financing Receivable Portfolio breakouts |
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| Commercial Portfolio Segment | 75,319 | 72,417 | +4.0% |
| Commercial Portfolio Segment · Commercial and Industrial | 56,791 | 52,774 | +7.6% |
| Commercial Portfolio Segment · Commercial and Industrial | 56,431 | 52,258 | +8.0% |
| Commercial Portfolio Segment · Commercial and Industrial | 360 | 516 | -30.2% |
| Commercial Portfolio Segment · Commercial and Industrial | 45 | 41 | +9.8% |
| Commercial Portfolio Segment · Commercial and Industrial | 24 | 37 | -35.1% |
| Commercial Portfolio Segment · Commercial and Industrial | 38 | 73 | -47.9% |
| Commercial Portfolio Segment · Commercial and Industrial | 3,513 | 3,898 | -9.9% |
| Commercial Portfolio Segment · Commercial and Industrial | 253 | 365 | -30.7% |
| Commercial Portfolio Segment · Commercial and Industrial | 53,025 | 48,511 | +9.3% |
| Commercial Portfolio Segment · Commercial lease financing | 2,333 | 2,913 | -19.9% |
| Commercial Portfolio Segment · Commercial lease financing | 2,332 | 2,913 | -19.9% |
| Commercial Portfolio Segment · Commercial lease financing | 73 | 81 | -9.9% |
| Commercial Portfolio Segment · Commercial lease financing | 2,260 | 2,832 | -20.2% |
| Commercial Portfolio Segment · Commercial lease financing | 1 | — | — |
| Commercial Portfolio Segment · Commercial lease financing | 1 | — | — |
| Commercial Portfolio Segment · Commercial mortgage | 13,378 | 13,637 | -1.9% |
| Commercial Portfolio Segment · Commercial mortgage | 13,030 | 13,369 | -2.5% |
| Commercial Portfolio Segment · Commercial mortgage | 69 | 100 | -31.0% |
| Commercial Portfolio Segment · Commercial mortgage | 348 | 268 | +29.9% |
| Commercial Portfolio Segment · Commercial mortgage | 79 | 23 | +243.5% |
| Commercial Portfolio Segment · Commercial mortgage | 8 | 4 | +100.0% |
| Commercial Portfolio Segment · Commercial mortgage | 47 | 65 | -27.7% |
| Commercial Portfolio Segment · Commercial mortgage | 1,312 | 1,688 | -22.3% |
| Commercial Portfolio Segment · Commercial mortgage | 214 | 173 | +23.7% |
| Commercial Portfolio Segment · Commercial mortgage | 11,852 | 11,776 | +0.6% |
| Commercial Portfolio Segment · Commercial Real Estate | 16,195 | 16,730 | -3.2% |
| Commercial Portfolio Segment · Construction Loans | 2,817 | 3,093 | -8.9% |
| Commercial Portfolio Segment · Construction Loans | 290 | 420 | -31.0% |
| Commercial Portfolio Segment · Construction Loans | 2,527 | 2,673 | -5.5% |
| Commercial Portfolio Segment · Construction Loans | 2,794 | — | — |
| Commercial Portfolio Segment · Construction Loans | 22 | — | — |
| Commercial Portfolio Segment · Construction Loans | 1 | — | — |
| Commercial Portfolio Segment · Construction Loans | 23 | — | — |
| Commercial Portfolio Segment · Credit Card Receivables | 212 | 219 | -3.2% |
| Commercial Portfolio Segment · Financial Asset Not Past Due | 74,587 | 71,631 | +4.1% |
| Commercial Portfolio Segment · Financial Asset Past Due | 732 | 786 | -6.9% |
| Commercial Portfolio Segment · Financing Receivables Equal To Greater Than90 Days Past Due | 86 | 140 | -38.6% |
| Commercial Portfolio Segment · Financing Receivables30 To59 Days Past Due | 125 | 64 | +95.3% |
| Commercial Portfolio Segment · Financing Receivables60 To89 Days Past Due | 54 | 41 | +31.7% |
| Commercial Portfolio Segment · Real estate — residential mortgage | 5 | 5 | 0.0% |
| Commercial Portfolio Segment · Total commercial real estate loans | 16,195 | 16,730 | -3.2% |
| Commercial Portfolio Segment · Total commercial real estate loans | 15,824 | 16,460 | -3.9% |
| Commercial Portfolio Segment · Total commercial real estate loans | 371 | 270 | +37.4% |
| Commercial Portfolio Segment · Total commercial real estate loans | 79 | 23 | +243.5% |
| Commercial Portfolio Segment · Total commercial real estate loans | 30 | 4 | +650.0% |
| Commercial Portfolio Segment · Total commercial real estate loans | 48 | 67 | -28.4% |
| Consumer Portfolio Segment | 30,583 | 32,929 | -7.1% |
| Consumer Portfolio Segment · Credit Card Receivables | 933 | 914 | +2.1% |
| Consumer Portfolio Segment · Credit Card Receivables | 907 | 885 | +2.5% |
| Consumer Portfolio Segment · Credit Card Receivables | 26 | 29 | -10.3% |
| Consumer Portfolio Segment · Credit Card Receivables | 5 | 6 | -16.7% |
| Consumer Portfolio Segment · Credit Card Receivables | 4 | 5 | -20.0% |
| Consumer Portfolio Segment · Credit Card Receivables | 10 | 12 | -16.7% |
| Consumer Portfolio Segment · Financial Asset Not Past Due | 30,293 | 32,637 | -7.2% |
| Consumer Portfolio Segment · Financial Asset Past Due | 290 | 292 | -0.7% |
| Consumer Portfolio Segment · Financing Receivables Equal To Greater Than90 Days Past Due | 24 | 26 | -7.7% |
| Consumer Portfolio Segment · Financing Receivables30 To59 Days Past Due | 51 | 51 | 0.0% |
| Consumer Portfolio Segment · Financing Receivables60 To89 Days Past Due | 24 | 28 | -14.3% |
| Consumer Portfolio Segment · Home Equity Loan | 5,863 | 6,555 | -10.6% |
| Consumer Portfolio Segment · Home Equity Loan | 5,754 | 6,431 | -10.5% |
| Consumer Portfolio Segment · Home Equity Loan | 109 | 124 | -12.1% |
| Consumer Portfolio Segment · Home Equity Loan | 18 | 22 | -18.2% |
| Consumer Portfolio Segment · Home Equity Loan | 5 | 8 | -37.5% |
| Consumer Portfolio Segment · Home Equity Loan | 4 | 4 | 0.0% |
| Consumer Portfolio Segment · Other consumer loans | 4,779 | 5,338 | -10.5% |
| Consumer Portfolio Segment · Other consumer loans | 4,741 | 5,299 | -10.5% |
| Consumer Portfolio Segment · Other consumer loans | 38 | 39 | -2.6% |
| Consumer Portfolio Segment · Other consumer loans | 15 | 16 | -6.2% |
| Consumer Portfolio Segment · Other consumer loans | 9 | 9 | 0.0% |
| Consumer Portfolio Segment · Other consumer loans | 10 | 10 | 0.0% |
| Consumer Portfolio Segment · Real estate — residential mortgage | 19,008 | 20,122 | -5.5% |
| Consumer Portfolio Segment · Real estate — residential mortgage | 18,891 | 20,022 | -5.6% |
| Consumer Portfolio Segment · Real estate — residential mortgage | 117 | 100 | +17.0% |
| Consumer Portfolio Segment · Real estate — residential mortgage | 13 | 7 | +85.7% |
| Consumer Portfolio Segment · Real estate — residential mortgage | 6 | 6 | 0.0% |
| Consumer Portfolio Segment · Total residential loans | 24,871 | — | — |
Show Financing Receivables Period Past Due breakouts |
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| Financial Asset Not Past Due | 104,880 | 104,268 | +0.6% |
| Financial Asset Past Due | 1,022 | 1,078 | -5.2% |
| Financing Receivables Equal To Greater Than90 Days Past Due | 110 | 166 | -33.7% |
| Financing Receivables30 To59 Days Past Due | 176 | 115 | +53.0% |
| Financing Receivables60 To89 Days Past Due | 78 | 69 | +13.0% |
Show Income Statement Balance Sheet And Additional Disclosures By Disposal Groups Including Discontinued Operations breakouts |
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| Education Lending · Segment Discontinued Operations | 216 | 272 | -20.6% |
| Financing Receivable Allowance For Credit Loss Excluding Accrued Interest | -1,444 | -1,494 | +3.3% |
Show Financing Receivable Portfolio breakouts |
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| Commercial Portfolio Segment | -1,083 | -1,110 | +2.4% |
| Commercial Portfolio Segment · Commercial and Industrial | -731 | -659 | -10.9% |
| Commercial Portfolio Segment · Commercial lease financing | -25 | -29 | +13.8% |
| Commercial Portfolio Segment · Commercial mortgage | -277 | -358 | +22.6% |
| Commercial Portfolio Segment · Commercial Real Estate | -327 | -422 | +22.5% |
| Commercial Portfolio Segment · Construction Loans | -50 | -64 | +21.9% |
| Consumer Portfolio Segment | -361 | -384 | +6.0% |
| Consumer Portfolio Segment · Credit cards | -82 | -73 | -12.3% |
| Consumer Portfolio Segment · Home Equity Loan | -68 | -72 | +5.6% |
| Consumer Portfolio Segment · Other consumer loans | -143 | -128 | -11.7% |
| Consumer Portfolio Segment · Real estate — residential mortgage | -68 | -111 | +38.7% |
Show Statement Operating Activities Segment breakouts |
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| Segment Discontinued Operations | -12 | -13 | +7.7% |
| Financing Receivable Excluding Accrued Interest After Allowance For Credit Loss | 104,458 | — | — |
| Loans Receivable Held For Sale Net Not Part Of Disposal Group | 998 | 1,058 | -5.7% |
Show Fair Value Hierarchy breakouts |
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| Fair Value Inputs Level3 · Estimate Of Fair Value Fair Value Disclosure | 936 | 997 | -6.1% |
Show Fair Value By Measurement Basis breakouts |
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| Carrying Reported Amount Fair Value Disclosure | 936 | 997 | -6.1% |
| Estimate Of Fair Value Fair Value Disclosure | 936 | 997 | -6.1% |
| Property Plant And Equipment And Finance Lease Right Of Use Asset After Accumulated Depreciation And Amortization | 606 | 624 | -2.9% |
| Intangible Assets Net Excluding Goodwill | 13 | 34 | -61.8% |
| Bank Owned Life Insurance | 4,428 | 4,379 | +1.1% |
| Other Assets | 8,803 | 8,323 | +5.8% |
Show Consolidated Entities breakouts |
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| Variable Interest Entity Not Primary Beneficiary · LIHTC | 2.5 | 2.2 | +13.6% |
| Variable Interest Entity Not Primary Beneficiary · NMTC | 28 | 29 | -3.4% |
| Assets Of Disposal Group Including Discontinued Operation | 221 | 277 | -20.2% |
| Non-Current Liabilities | |||
| Long-Term Debt | 10,917 | 15,677 | -30.4% |
Show Fair Value By Measurement Basis breakouts |
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| Carrying Reported Amount Fair Value Disclosure | 10,917 | 15,677 | -30.4% |
| Total Liabilities | 167,307 | 172,911 | -3.2% |
Show Consolidated Entities breakouts |
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| Variable Interest Entity Not Primary Beneficiary · Indirect investments | 3 | 3 | 0.0% |
| Variable Interest Entity Not Primary Beneficiary · LIHTC | 5,057 | 4,579 | +10.4% |
| Other Liabilities | |||
| Interest Bearing Deposit Liabilities Domestic | 122,425 | 119,995 | +2.0% |
| Noninterest Bearing Deposit Liabilities Domestic | 28,340 | 30,358 | -6.6% |
| Deposits | 150,765 | 150,353 | +0.3% |
| Federal Funds Purchased And Securities Sold Under Agreements To Repurchase | 10 | 44 | -77.3% |
| Short Term Bank Loans And Notes Payable | 1,339 | 2,359 | -43.2% |
| Accrued Liabilities And Other Liabilities | 4,276 | 4,478 | -4.5% |
Show Consolidated Entities breakouts |
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| Variable Interest Entity Not Primary Beneficiary · LIHTC | 1.2 | 1.1 | +9.1% |
| Stockholders' Equity | |||
| Preferred Stock Value | 2,500 | 2,500 | 0.0% |
| Common Stock | 1,257 | 1,257 | 0.0% |
Show Legal Entity breakouts |
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| HNC Statutory Trust III | 1 | 1 | 0.0% |
| HNC Statutory Trust IV | 1 | 1 | 0.0% |
| KeyCorp Capital I | 6 | 6 | 0.0% |
| KeyCorp Capital II | 4 | 4 | 0.0% |
| KeyCorp Capital III | 4 | 4 | 0.0% |
| Total | 17 | 17 | 0.0% |
| Willow Grove Statutory Trust I | 1 | 1 | 0.0% |
| Additional Paid-In Capital | 6,002 | 6,149 | -2.4% |
| Retained Earnings | 15,111 | 15,066 | +0.3% |
| Treasury Stock Common Value | -2,619 | -4,839 | +45.9% |
| Accumulated Other Comprehensive Income | -2,149 | -3,281 | +34.5% |
| Total Stockholders' Equity | 20,102 | 16,852 | +19.3% |
Show Equity Components breakouts |
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| Accumulated Defined Benefit Plans Adjustment | -234 | -272 | +14.0% |
| Accumulated Gain Loss Net Cash Flow Hedge Parent | -58 | -390 | +85.1% |
| Accumulated Net Unrealized Investment Gain Loss | -1,857 | -2,619 | +29.1% |
| Accumulated Other Comprehensive Income | -2,149 | -3,281 | +34.5% |
| Additional Paid In Capital | 6,002 | 6,149 | -2.4% |
| Common Stock | 1,257 | 1,257 | 0.0% |
| Preferred Stock | 2,500 | 2,500 | 0.0% |
| Retained Earnings | 15,111 | 15,066 | +0.3% |
| Treasury Stock Common | -2,619 | -4,839 | +45.9% |
| Total Liabilities & Equity | 187,409 | 189,763 | -1.2% |
Cash Flow Statement
| Metric | YTD Q3 2025 | YTD Q3 2024 | YoY |
|---|---|---|---|
| Operating Activities | |||
| Depreciation Amortization And Accretion Net | 18 | 68 | -73.5% |
| Life Insurance Corporate Or Bank Owned Change In Value | -90 | -86 | -4.7% |
| Stock-Based Compensation | 99 | 76 | +30.3% |
| Increase Decrease In Deferred Income Taxes | -15 | -138 | +89.1% |
| Proceeds From Sale Of Loans Held For Sale | 6,756 | 5,099 | +32.5% |
| Originations Of Loans Held For Sale Net Of Repayments | -6,935 | -5,711 | -21.4% |
| Gain Loss On Sales Of Loans Net | -93 | -84 | -10.7% |
| Increase Decrease In Trading Securities | 311 | -262 | +218.7% |
| Increase Decrease In Accrued Income And Other Assets | -77 | 224 | -134.4% |
| Increase Decrease In Accrued Liabilities | -694 | -780 | +11.0% |
| Increase Decrease In Other Operating Capital Net | 522 | -784 | +166.6% |
| Net Cash from Operations | 1,490 | -1,063 | +240.2% |
| Investing Activities | |||
| Net Increase Decrease In Short Term Investments | 4,170 | -11,979 | +134.8% |
| Purchases of Investments | -6,517 | -12,562 | +48.1% |
| Proceeds From Sale Of Available For Sale Securities Debt | 5 | 15,898 | -100.0% |
| Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities | 4,976 | 1,758 | +183.0% |
| Proceeds From Maturities Prepayments And Calls Of Held To Maturity Securities | 759 | 881 | -13.8% |
| Payments To Acquire Held To Maturity Securities | -868 | — | — |
| Proceeds From Sale Of Other Investments | 120 | 130 | -7.7% |
| Net Decrease Increase In Loans Excluding Acquisitions Sales And Transfers | -1,950 | 6,962 | -128.0% |
| Proceeds From Sale Of Loans Held For Investment | 122 | 156 | -21.8% |
| Proceeds From Life Insurance Policies | 56 | 90 | -37.8% |
| Payments To Acquire Productive Assets | -62 | -42 | -47.6% |
| Proceeds From Sale Of Property Plant And Equipment | 3 | 12 | -75.0% |
| Net Cash from Investing | 814 | 1,304 | -37.6% |
| Reduction Of Secured Borrowing And Related Collateral | 1 | 3 | -66.7% |
| Transfer Of Loans Held For Sale To Portfolio Loans1 | 71 | 123 | -42.3% |
| Transfer Of Portfolio Loans And Leases To Held For Sale1 | 6 | 3 | +100.0% |
| Transfer To Other Real Estate | 3 | 4 | -25.0% |
| Financing Activities | |||
| Increase Decrease In Deposits | 1,005 | 4,766 | -78.9% |
| Proceeds From Short Term Debt | -795 | -688 | -15.6% |
| Proceeds From Issuance Of Long Term Debt | 1,484 | 1,565 | -5.2% |
| Repayments Of Long Term Debt | -2,981 | -5,649 | +47.2% |
| Payments For Repurchase Of Other Equity | -35 | -27 | -29.6% |
| Proceeds From Issuance Of Common Stock | 5 | 5 | 0.0% |
| Payments Of Dividends | -792 | -689 | -14.9% |
| Net Cash from Financing | -2,109 | 94 | -2343.6% |
| Supplemental | |||
| Interest Paid | 2,839 | 3,112 | -8.8% |
| Income Taxes Paid | 28 | 69 | -59.4% |
| Other Cash Flow | |||
| Net Change in Cash | 195 | 335 | -41.8% |
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | 1,938 | 1,276 | +51.9% |
Values in millions USD. Source: SEC EDGAR 10-Q filing.