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Key Community Bank
Inver Grove Heights, MN · FDIC Certificate #34644 · Chartered 05/2
Total assets
$121.02M
Total deposits
$107.64M
Total equity
$12.97M
Net loans
$103.10M
Branches (offices)
1
Net income (YTD)
-$68.00K
Rank: #3,520 of 4,213 U.S. banks by assets · #152 of 221 in Minnesota. Assets changed 2.6% and deposits 9.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -0.11% |
| Return on equity | -1.13% |
| Net interest margin (YTD) | 4.13% |
| Equity to assets | 10.72% |
| Tier 1 leverage ratio | 10.66% |
| Uninsured deposits (share of deposits) | 45.6% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 1.36% |
| Loans to deposits | 95.8% |
| Real estate loans (share of loans) | 92.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $95.53M | 92.7% | |
| Commercial & industrial | $4.74M | 4.6% | |
| Consumer / individual | $3.66M | 3.5% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $92.40M | $84.97M | $310.00K | $7.20M |
| Jun 2023 | $101.14M | $85.88M | $603.00K | $7.92M |
| Jun 2024 | $110.31M | $92.47M | $425.00K | $8.70M |
| Jun 2025 | $117.96M | $97.91M | $734.00K | $9.68M |
| Jun 2026 | $121.02M | $107.64M | -$68.00K | $12.97M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $107.64M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $107.64M.
Similar-sized banks
The First State Bank ($121.41M) · California International Bank, N.A. ($120.90M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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