TellerScore

Headquartered in Wisconsin Rapids, Wisconsin, KeySavings Bank is a si with $129.5M in total assets and $99.7M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1920.

KeySavings Bank has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 37% of its 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 105th. Problem-loan coverage contributes the most (99/100, 0.6%); earnings contributes the least (42/100, 0.55%).

TellerScore · Q2 2026

Scorecard

Capital cushion44/100
Tier 1 leverage ratio: 9.38%
Loan quality98/100
Noncurrent loans ÷ total loans: 0.07%
Earnings42/100
Return on assets (annualized): 0.55%
Funding & liquidity81/100
Loans ÷ deposits and uninsured-deposit share: 78.8% · 13.9% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.58%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (67 → 68).

TellerScore
505968Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202450
Q3 202468
Q4 202467
Q1 202567
Q2 202567
Q3 202568
Q4 202558
Q1 202665
Q2 202668
Tier 1 leverage ratio
5.00%8.06%11.13%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.13%
Q3 202410.44%
Q4 20249.74%
Q1 20259.83%
Q2 20259.29%
Q3 20259.38%
Q4 20259.23%
Q1 20269.16%
Q2 20269.38%
Noncurrent loans
0.00%1.04%2.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20242.08%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.01%
Q4 20250.90%
Q1 20260.19%
Q2 20260.07%
Return on assets
0.01%0.28%0.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.01%
Q3 20240.01%
Q4 20240.10%
Q1 20250.14%
Q2 20250.33%
Q3 20250.44%
Q4 20250.40%
Q1 20260.36%
Q2 20260.55%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$129.5M9.38%0.07%0.55%78.8%
Q1 202665$127.1M9.16%0.19%0.36%82.1%
Q4 202558$127.8M9.23%0.90%0.40%79.6%
Q3 202568$126.0M9.38%0.01%0.44%76.2%
Q2 202567$125.9M9.29%0.00%0.33%77.8%
Q1 202567$120.9M9.83%0.00%0.14%74.9%
Q4 202467$116.0M9.74%0.00%0.10%72.5%
Q3 202468$113.4M10.44%0.00%0.01%72.2%
Q2 202450$109.0M11.13%2.08%0.01%75.3%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.38%
19th
Total risk-based capital0.00%
24th
Problem loans0.07%
76th
Net charge-offs0.22%
12th
Return on assets0.55%
14th
Net interest margin3.37%
23rd
Efficiency ratio70.8%
28th
Loans to deposits78.8%
52nd
Uninsured deposits13.9%
85th
Loan-loss reserves0.54%
4th
Texas ratio0.6%
75th

Similar-size banks in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Conservation First BankBank Benton, WI82 out of 100, Strong$127.5M14.0%0.74%vs
Bonduel State BankBank Bonduel, WI89 out of 100, Very strong$132.1M14.0%0.01%vs
Security State BankBank Iron River, WI93 out of 100, Very strong$136.2M21.4%0.37%vs
Headwaters State BankBank Land O' Lakes, WI47 out of 100, Below average$122.5M11.2%6.35%vs
Union State BankBank West Salem, WI82 out of 100, Strong$117.6M12.2%0.14%vs
River Falls State BankBank River Falls, WI77 out of 100, Strong$143.2M11.4%0.21%vs

Deposit insurance

Is my money safe at KeySavings Bank?

Yes. KeySavings Bank is an FDIC-insured institution (FDIC certificate #29691). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 13.9% of deposits ($13.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.38%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

KeySavings Bank lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
KeySavings Bank
Former names
KeySavings Bank, S.A.; Wisconsin Rapids Savings and Loan Association
Type
SI
FDIC certificate #
29691
RSSD ID
208972
Primary regulator
FDIC
Established
January 1, 1920
Headquarters
811 E Grand Ave, Wisconsin Rapids, WI 54494
Employees
25

Quick answers

KeySavings Bank: common questions

Is KeySavings Bank FDIC insured?

Yes. KeySavings Bank is an FDIC-insured institution (FDIC certificate #29691). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is KeySavings Bank's TellerScore?

68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has KeySavings Bank ever failed?

There is no failure record for FDIC certificate #29691 in the FDIC failed bank list.

How many branches does KeySavings Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Wisconsin Rapids

InstitutionScoreAssetsCapitalProblem loansCompare
Nekoosa Port Edwards State BankBank Nekoosa, WI93 out of 100, Very strong$286.5M15.1%0.00%vs
Members' Advantage Credit UnionCredit union Wisconsin Rapid, WI93 out of 100, Very strong$185.2M19.2%0.21%vs
First Choice Credit UnionCredit union Marshfield, WI89 out of 100, Very strong$51.0M16.3%0.65%vs
Partners Bank of WisconsinBank Marshfield, WI86 out of 100, Very strong$294.2M14.7%0.36%vs
Valley Communities Credit UnionCredit union Mosinee, WI83 out of 100, Strong$306.9M13.0%0.28%vs
The Portage County BankBank Almond, WI83 out of 100, Strong$210.1M12.7%0.10%vs