HIGHBuilt-inLoan_portfolio
72%
commercial loans and commercial leases
“10-K Item 1A: 'approximately 72% of our loan portfolio consisted of commercial and industrial loans, commercial real estate loans ... and commercial leases'”
KEY · Concentration risk · 10-K extracted
KeyCorp (KEY) concentration risks
Updated
The most significant concentration KeyCorp discloses is commercial loans and commercial leases at 72%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
Show full disclosure ▾Hide full disclosure ▴
About TrendMatrix. TrendMatrix is a publisher of general securities research and market commentary. We publish on a regular schedule. All content is the same for every subscriber in a tier — we do not provide personalized investment advice and we do not take into account any individual subscriber's financial situation, investment objectives, risk tolerance, tax situation, or holdings.
Not investment advice. TrendMatrix is not a registered investment adviser. Our content is for informational and educational purposes only. Consult your own licensed investment adviser, broker, or tax professional before making any investment decision.
Conflicts and positions. The TrendMatrix editorial team frequently holds personal long-term positions in securities discussed. We disclose positions held at the time of publication on each piece. We maintain a trading-window policy: we do not initiate or close positions in the same direction as a TrendMatrix publication within 24 hours before or 72 hours after publication.
No paid promotion. TrendMatrix does not accept payment from any issuer, broker, or third party in exchange for coverage of any security. Our sole compensation is subscription revenue.
No fiduciary duty. No fiduciary, advisory, or agency relationship is created between you and TrendMatrix by reading our content or subscribing to our service.
Performance. Past performance is not indicative of future results. Performance figures reflect the published model only and do not reflect any individual subscriber's actual results.
Source: KeyCorp’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 1 disclosed concentration
HIGH1
MEDIUM0
LOW0
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-06-24The company's sole disclosed concentration is a large-share structural tilt in the loan portfolio: approximately 72% of the loan portfolio consisted of commercial and industrial loans, commercial real estate loans, and commercial leases. By disclosed size this is a large exposure, and the character is structural — commercial lending is the core business model of the institution, so the concentration reflects a deliberate strategic positioning in commercial credit rather than an inadvertent accumulation in a single sector or borrower. The practical implication is that the loan book's credit performance is tightly linked to the health of commercial borrowers and commercial real estate tenants rather than being balanced across consumer and commercial segments. A broad-based deterioration in corporate creditworthiness or commercial real estate valuations — as occurred during prior credit cycles — would flow through the majority of the loan portfolio simultaneously rather than being buffered by an offsetting consumer book. No individual sector, geographic, or customer concentration is separately disclosed on top of the overall commercial loan tilt. The profile is therefore single-dimensional but substantial: the commercial portfolio share is the dominant disclosed risk factor, and investors should monitor commercial credit quality metrics, commercial real estate occupancy and refinancing trends, and the bank's specific sector exposures within the commercial book as the primary watch variables for this concentration.
For the engine’s reasoning on KEY’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| ASB | Associated Banc-Corp | 2 | 3 | 0 | 5 |
| BANC | Banc of California, Inc. | 2 | 0 | 0 | 2 |
| AX | Axos Financial, Inc. | 1 | 1 | 0 | 2 |
| KEY● | KeyCorp | 1 | 0 | 0 | 1 |
| AUB | Atlantic Union Bankshares Corpo | 0 | 3 | 0 | 3 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.