Keybank National Assn: Bank Stress & Real-Estate Credit Exposure

Bank stress at Keybank National Assn (FDIC Cert #17534) registers 65/100 on DLRadar's scale — a elevated reading. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

County by county, that footprint includes Allegheny County, PA, Westmoreland County, PA, King County, WA, Westchester County, NY, among others DLRadar tracks parcel by parcel. Rather than a standalone rating, the elevated score is tied to real markets — every one of the 4,864 ZIP codes Keybank National Assn lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. Keybank National Assn is held under Keycorp, so its disclosures are public and its stress trajectory is externally verifiable. Over the trailing week its stress reading is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. Read against its 199-county reach, a elevated score sets the credit tone for every market on its map. Because Keybank National Assn is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 65/100 reading stays current and directly comparable — a like-for-like number across 15 states and against any other institution. Keybank National Assn runs a broad, nationally dispersed real-estate lending footprint — 199 U.S. counties across 15 states, spanning 4,864 ZIP codes. Its heaviest exposure sits in New York (43 counties), Ohio (32 counties), Washington (22 counties), Indiana (15 counties). The DLRadar bank-stress score is a composite, not a single ratio: it weighs Keybank National Assn's capital adequacy, asset quality, earnings and — most heavily — its real-estate loan concentration, then scales the result by where the bank actually lends, so two banks with identical headline financials can score differently based on the markets they finance.

The acquisition angle is simple — lending capacity is what moves deals. As Keybank National Assn tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. That lets you move ahead of the market, with each number sourced from public federal filings.