At December 31, 2025, Key and KeyBank (consolidated) had regulatory capital in excess of all current minimum risk-based capital (including all adjustments for market risk) and leverage ratio requirements as shown in the following table.
| | | | | | | | | | | | | | | | | | | | | | | | | Actual | | | Regulatory Minimum | Regulatory Minimum with Stress Capital Buffer | | Well Capitalized | | Dollars in millions | Amount | Ratio | | | Ratio | Ratio | | Ratio | | December 31, 2025 | | | | | | | | | | Total risk-based capital | | | | | | | | | | Key | $ | 22,910 | | 15.70 | % | | | 8.00 | % | 11.20 | % | | N/A | | KeyBank (consolidated) | 21,198 | | 14.71 | | | | 8.00 | | 11.20 | | | 10.00 | % | | Common equity Tier 1 risk-based capital | | | | | | | | | | Key | $ | 17,195 | | 11.78 | % | | | 4.50 | % | 7.70 | % | | N/A | | KeyBank (consolidated) | 18,376 | | 12.75 | | | | 4.50 | | 7.70 | | | 6.50 | % | | Tier 1 risk-based capital | | | | | | | | | | Key | $ | 19,641 | | 13.46 | % | | | 6.00 | % | 9.20 | % | | N/A | | KeyBank (consolidated) | 18,376 | | 12.75 | | | | 6.00 | | 9.20 | | | 8.00 | % | | Leverage | | | | | | | | | | Key | $ | 19,641 | | 10.50 | % | | | 4.00 | % | 4.00 | % | | N/A | | KeyBank (consolidated) | 18,376 | | 9.96 | | | | 4.00 | | 4.00 | | | 5.00 | % | | December 31, 2024 | | | | | | | | | | Total risk-based capital | | | | | | | | | | Key | $ | 22,336 | | 16.15 | % | | | 8.00 | % | 11.10 | % | | N/A | | KeyBank (consolidated) | 20,518 | | 15.12 | | | | 8.00 | | 11.10 | | | 10.00 | % | | Common equity Tier 1 risk-based capital | | | | | | | | | | Key | $ | 16,489 | | 11.92 | % | | | 4.50 | % | 7.60 | % | | N/A | | KeyBank (consolidated) | 17,560 | | 12.94 | | | | 4.50 | | 7.60 | | | 6.50 | | | Tier 1 risk-based capital | | | | | | | | | | Key | $ | 18,934 | | 13.69 | % | | | 6.00 | % | 9.10 | % | | N/A | | KeyBank (consolidated) | 17,560 | | 12.94 | | | | 6.00 | | 9.10 | | | 8.00 | % | | Leverage | | | | | | | | | | Key | $ | 18,934 | | 10.03 | % | | | 4.00 | % | 4.00 | % | | N/A | | KeyBank (consolidated) | 17,560 | | 9.42 | | | | 4.00 | | 4.00 | | | 5.00 | % |
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