# KEY COMMUNITY BANK
INVER GROVE HEIG, MN · FDIC certificate 34644 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $121.0M | |
| Deposits | $107.6M | |
| Loans and leases | $104.4M | |
| Total equity | $13.0M | |
| Loans / deposits | 95.78% (p87 of band) | 73.59% |
| Liquid assets / assets | 11.33% (p5 of band) | |
| Uninsured deposits / deposits | 45.64% (p95 of band) | 19.81% |
| Brokered deposits | 2.16% | |
| Wholesale funding | 2.16% (p60 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.66% (p35 of band) | 11.76% |
| Unrealized securities loss / equity | 0.01% (p98 of band) | -6.57% |
| AOCI / equity | -0.15% (p62 of band) | |
| ROA (annualized) | -0.11% (p6 of band) | 1.17% |
| Net interest margin | 4.13% (p61 of band) | 3.93% |
| Efficiency ratio | 67.76% (p55 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 1.15% (p99 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 91% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $158,000 (0.15% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 9.9% | |
| Employees | 15 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 4 | losing money, charge-offs p90 |  |
| 2011-09 | 5 | capital falling, noncurrent p90 | wholesale funding >15% |
| 2011-12 | 7 | wholesale funding >15%, expense ratio p90 |  |
| 2012-03 | 6 | assets shrinking | capital falling, wholesale funding >15% |
| 2012-06 | 7 | leverage <7% |  |
| 2012-09 | 9 | capital falling, uninsured deposits leaving |  |
| 2012-12 | 7 | deposits shrinking | noncurrent p90, capital falling, uninsured deposits leaving |
| 2013-03 | 7 | noncurrent p90 | charge-offs p90 |
| 2013-06 | 5 |  | leverage <7%, noncurrent p90 |
| 2013-09 | 5 |  |  |
| 2013-12 | 7 | leverage <7%, noncurrent p90 |  |
| 2014-03 | 4 |  | losing money, leverage <7%, noncurrent p90 |
| 2014-06 | 2 |  | assets shrinking, deposits shrinking |
| 2014-09 | 3 | capital falling |  |
| 2014-12 | 2 | deposits shrinking | reserve under noncurrent, capital falling |
| 2015-03 | 1 |  | deposits shrinking |
| 2015-06 | 0 |  | expense ratio p90 |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2016-03 | 0 |  | capital falling, noncurrent p90, reserve under noncurrent |
| 2016-06 | 1 | uninsured deposits leaving |  |
| 2016-09 | 1 | charge-offs p90 | uninsured deposits leaving |
| 2016-12 | 2 | reserve under noncurrent |  |
| 2017-03 | 0 |  | charge-offs p90, reserve under noncurrent |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 2 | deposits shrinking, assets shrinking |  |
| 2018-12 | 0 |  | deposits shrinking, assets shrinking |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | capital falling |  |
| 2022-09 | 0 |  | capital falling |
| 2022-12 | 2 | wholesale funding >15%, uninsured deposits leaving |  |
| 2023-03 | 0 |  | wholesale funding >15%, uninsured deposits leaving |
| 2023-06 | 2 | wholesale funding >15%, uninsured deposits leaving |  |
| 2023-09 | 1 |  | uninsured deposits leaving |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | reserve under noncurrent |  |
| 2024-06 | 0 |  | wholesale funding >15%, reserve under noncurrent |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2026-03 | 5 | loans exceed deposits, wholesale funding >15%, losing money |  |
| 2026-06 | 2 | charge-offs p90 | noncurrent p90, reserve under noncurrent, loans exceed deposits, wholesale funding >15% |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-20 [Key Community Bank buys Brooklyn Park site for $1M, plans branch, CEO office - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQYlN5WXlwekpCNW5EeWFRaFlMS1ctUnk1YjdKVXZ6cE1JQm1Ka2RDZDV2Wmg2R3pEN2lSczNoT19mcWlSS1lDblRUVm9BaW1yc21aZG5wbUFtRE9mS2hBaFVzTm1nNkdhLXcwZkZXRWpqTF9QQlBabERscnkxc2pKa01qUk9NclItYUl3VFd1NUdWd2FxNjBsYWw5Q3hlRWRrR1NTaHEyTUM?oc=5) · The Business Journals
- 2026-08-21 [Best Places to Work: Key Community Bank - The Business Journals](https://news.google.com/rss/articles/CBMiyAFBVV95cUxORlBWV2MtN0dMQzdWWkhGUmU1NHZEYS1RSGtSWk5nYU1KTWktM1dGeE9KQkNZeGRZeW92RzdWUVpKZHRabUtpVDFoX3VpazBqSmJUMUVuN2ZmeG82LVZSLTNEZzRxbjBhNVRIZ0VMZUtKRGFsbG5FNmVHdDlUeWdNRU9yMWVseld2Z3N6NExHOXZMZGRDN1JIbjRiMlpXZkZ0Wk9FcmhXZ0doQUxBal92ajR2dnFsN3VrUFV5MzhJQ1JReU1zZXZ5Zw?oc=5) · The Business Journals
- 2019-03-08 [Toyota designing digital bank for drivers, not just dealers - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxNR1VFN29IS285Z091dElxSkNSa1oxWEhCQXdoVnZTRkNPRGVHX29MTnhSM0JpZ0NBTTJkRmM5eHM4Rkw5WFNOaDN0ZEc4YXNYcGlBNEI1bkhpZExqSUQzVW8tb092TTlIX1J6SDVNejNtX01WQkV2Sk0zamRRWEVQY1hJZXMwd3FVODlJTXlVMTFYbFdBcmVR?oc=5) · American Banker
- 2025-03-25 [Mary Jo (Peterson) Altstadt - Boulger Funeral Home](https://news.google.com/rss/articles/CBMicEFVX3lxTE9RWjZ2Rm5YaHpqeGQyZmROeUVTcURMZmJ4eE51cDhrZDd6M0Jfdjg5ZUNIbl9rOTctdlNHVFN0VzhnZ28wSkQ3Z3RfbGdUZjJiZWhHNDIzdTNuNWtMcmp0UmRqQmlkYTFFUS1IdEQyQUc?oc=5) · Boulger Funeral Home
- 2023-07-30 [Top 10 Banks in USA 2015 - MBA Skool](https://news.google.com/rss/articles/CBMijwFBVV95cUxNMDRRUTFTWTJnNnNmWlJyTlNhUnJ5dDY1ajJuUUZMMGJnc1RodWhJRzY0XzBMcjRHX256bHhqSWdWbldHNUh0SVZURi1HNkxURzF4Qjl4SkF2Zkh1ejFMVXNTWkd0dGtqYi1ad0FYWU1iSzFNNHdHZm95Znh0b2JubHlaQ1ZMZEd6UVFQRHpTQQ?oc=5) · MBA Skool
- 2012-09-04 [Former Athlete Gets Cancer, South St. Paul Community Gives Support - CBS News](https://news.google.com/rss/articles/CBMipwFBVV95cUxQbU90LXNqMm9wdjhmYVVnRmgyV0R6Q0tqSnRDYmVRV3hLd3E4SXNpU1BNLUE5UjBmckcwQWFTRnF4SFFXTFRYeDVYQWxCcWh4NnFxRC1MckVlWmpJaXpoaURNRDFpTFluYTlNbFFSa1Excm5JOXBSR1dLM0JOY2Iyd09NajVwcHZpanlObDM3ZmpIcXRaaGlQSzAxWk1yQkFTQzY0a0lWaw?oc=5) · CBS News
- 2018-03-17 [Victoria Plugaru Obituary - Woodbury, MN - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxOTERwTzFSalI4WTh0bGEtQ2tuU0VNYVZGSkJ1SVhSSGxqZUpLQWdfd19za0tWc05pZDJ5d004U0dJbU02OWwzZ1VoZlRlS0ZaVnhjSERHSDlBczJvSVZWY0dFYndneXFBMGJzUWplM0ZfUGdHei05Q0NPeG8xcTNQZUZ4WVRKUQ?oc=5) · Dignity Memorial
- 2026-09-03 [MidCountry Bank names Community Resource Bank CEO as next leader - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNVVhkLWcxY29yRUQtOFdUd1c3dmlBV08zSGRsNE5TaFNMT2RUX3duWlZUdlBNdGZrWmQ2SEZtdE5yY0VnSmZDdWRuRS1DbE1mZEFFVlJDbjI0QUlGOE51UTF5dWJsV1N0WmdvdXQ0bG1aMXlmWEt0VEJuSGJ1eFJtZmdwUXNPMGlHVUN2RVFTRU92TlFIUTRUUDdVdzFSMW9zOVNrQXJsaWVvSjA?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34644 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/20.json (key "34644", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide