How profitable a bank is affects its long-term survivability. A bank can retain its earnings, boosting its capital cushion, or use them to address problematic loans, likely making the bank more resilient in tough times. However, banks that are losing money have less ability to do those things.
KeyBank National Association scored 18 out of a possible 30 on Bankrate's test of earnings, above the national average of 15.12.
One key way to measure a bank's earnings is return on equity, calculated by dividing net income (profit, basically) by total equity. KeyBank National Association's most recent annualized quarterly return on equity was 9.48 percent, above the national average of 8.10 percent.
The bank earned net income of $1.42 billion on total equity of $15.17 billion for the twelve months ended December 31, 2017. The bank had an annualized return on average assets, or ROA, of 1.06 percent, above the 1 percent deemed satisfactory in accordance with industry standards, and above the average for U.S. banks of 1.00 percent.