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Key Community Bank

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Key Community Bank Rates & Review October 2026

Q: How many branches does Key Community Bank operate?

Key Community Bank currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Key Community Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Key Community Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 11, 2026

Key Community Bank's top rate as of October 11, 2026 is 6.00% APY on checking, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Key Community Bank with a 4.7 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 18.34%. Rates last updated and verified on 10/11/2026.

Key Community Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Key Community Bank? Share your experience about Key Community Bank by leaving a review below, or read customer reviews before you decide to use Key Community Bank.

Overall Health & Safety Grade

B+

Good Health Score: 88/100

MonitorBankRates Rating

4.7

Excellent Out of 5.0 Stars

Texas Ratio

18.34%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Key Community Bank

5684 Bishop Ave
Inver Grove Heights, MN 55076

https://www.keycommunitybank.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Key Community Bank Checking Rates

Product	Rate	APY
Kasasa Cash Checking	-	6.00%
Min Deposit $100 Min Balance $0 Details Qualifications Required: 1 ACH transaction monthly; 6.00% APY* on balances up to and including $25,000; 1.00% APY* on balances over $25,000; 0.05% APY* on all balances if qualifications aren't met; Refunds on ATM withdrawal fees, nationwide (up to $25 monthly); Balance: $0.01 - $25,000.00 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 6.00% APY · checked 2 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.34%
Kasasa Cash Checking	-	1.00%
Min Deposit $100 Min Balance $25,000 Details Qualifications Required: 1 ACH transaction monthly; 6.00% APY* on balances up to and including $25,000; 1.00% APY* on balances over $25,000; 0.05% APY* on all balances if qualifications aren't met; Refunds on ATM withdrawal fees, nationwide (up to $25 monthly); Balance: $25,000.01 and over Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 1.00% APY · checked 2 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.34%
Kasasa Cash Checking	-	0.05%
Min Deposit $100 Min Balance $0 Details Qualifications Required: 1 ACH transaction monthly; 6.00% APY* on balances up to and including $25,000; 1.00% APY* on balances over $25,000; 0.05% APY* on all balances if qualifications aren't met; Refunds on ATM withdrawal fees, nationwide (up to $25 monthly); Balance: $0.01 - $25,000.00 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 2 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.34%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Key Community Bank’s Texas Ratio rose from 0.00% in Q3 2023 to 18.34% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.7 and its Health Grade from A+ to B+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$121M	18.34%	4.7	B+
March 31, 2026	$124M	27.71%	3.9	C
December 31, 2025	$121M	33.04%	3.5	D
September 30, 2025	$109M	6.45%	5.0	A
June 30, 2025	$118M	0.00%	5.0	A+
March 31, 2025	$116M	0.00%	5.0	A+
December 31, 2024	$112M	0.00%	5.0	A+
September 30, 2024	$111M	0.00%	5.0	A+
June 30, 2024	$110M	0.00%	5.0	A+
March 31, 2024	$109M	16.03%	4.9	A-
December 31, 2023	$104M	0.00%	5.0	A+
September 30, 2023	$101M	0.00%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Key Community Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Key Community Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Key Community Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Key Community Bank

Website https://www.keycommunitybank.com

Address 5684 Bishop Ave, Inver Grove Heights, MN 55076 · Dakota

Bank Holding Company INVER GROVE BANCSHARES INC

FDIC Certificate # 34644

Regulator FDIC

Established May 20, 1998

FDIC Insurance Date May 20, 1998

Domestic Offices 1

Total Branches 1

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

4.7 / 5.0 ★

Overall Health & Safety Grade

B+ (88/100)

Texas Ratio

18.34%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

-0.1115%

Return on Equity (ROE)

-1.1300%

Non-Performing Loans Ratio (NPL)

0.00%

Total Assets

$121,022,000

Total Deposits

$107,643,000

Equity Capital

$12,971,000

Net Income

$-68,000

Headquarters

Inver Grove Heights

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Key Community Bank

How many branches does Key Community Bank operate?

Key Community Bank currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Key Community Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Key Community Bank provides members with tools to manage their accounts and build a solid financial history.

Does Key Community Bank offer online and mobile banking?

Most modern institutions like Key Community Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.keycommunitybank.com.