KeyBank National Association vs The Northern Trust Company
This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
KeyBank National Association
Cleveland, OH
Health score
81.7
Total assets
$188.6B
Bank
The Northern Trust Company
Chicago, IL
Health score
62.5
Total assets
$178.6B
Answer first
Different strengths, no blanket winner
KeyBank National Association leads on financial health and capitalization; The Northern Trust Company leads on profitability and lending quality and growth. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Where each institution leads
Financial health
KeyBank National Association
Higher TFS health score
Capitalization
KeyBank National Association
Higher comparable capital ratio
Profitability
The Northern Trust Company
Higher return on assets
Lending quality
The Northern Trust Company
Lower problem-loan measure
Growth
The Northern Trust Company
Higher year-over-year asset growth
Same-source detail
Financial metrics
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | KeyBank National Association | The Northern Trust Company |
|---|---|---|
| TFS health score | 81.7/100Leads | 62.5/100 |
| Total assets | $188.6B | $178.6B |
| Total deposits / shares | $158.5B | $148.1B |
| Tier 1 capital ratio | 9.92%Leads | 6.84% |
| Return on assets | 1.28% | 1.47%Leads |
| Return on equity | 12.54% | 22.34%Leads |
| Non-performing loans | 0.86% | 0.23%Leads |
| Net charge-offs | 0.39% | -0.00%Leads |
| Efficiency ratio | 54.78%Leads | 70.32% |
| Loan-to-deposit ratio | 69.63% | 29.48% |
| Asset growth (YoY) | 3.27% | 4.24%Leads |
| Deposit / share growth (YoY) | 4.26% | 6.30%Leads |
| Branches | 953 | 67 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | 5.976 | — |
Branch and market overlap
KeyBank National Association
953 branches
The Northern Trust Company
67 branches
Both institutions report branches in 9 states: CO, CT, FL, MA, MI, NY, OH, PA, WA.
CFPB complaint coverage
KeyBank National Association
947 parent-company
The Northern Trust Company
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Observed matched-date windows: KeyBank National Association: 2025-10-24–2026-10-23 · The Northern Trust Company: mapping unavailable
Regulatory-action context
KeyBank National Association
0 in TFS registry
The Northern Trust Company
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
Health and profitability trend
| Quarter | KeyBank National Association score | KeyBank National Association ROA | The Northern Trust Company score | The Northern Trust Company ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 0.23% | — | 1.34% |
| 2024-Q4 | — | 0.07% | — | 1.29% |
| 2025-Q1 | — | 1.05% | — | 0.92% |
| 2025-Q2 | — | 1.08% | — | 0.97% |
| 2025-Q3 | — | 1.14% | — | 1.00% |
| 2025-Q4 | — | 1.17% | — | 1.02% |
| 2026-Q1 | 79.7/100 | 1.27% | 66.7/100 | 1.16% |
| 2026-Q2 | 81.7/100 | 1.28% | 62.5/100 | 1.47% |
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Coverage boundaries
What this does not conclude
- • No product-rate, fee, or customer-service winner without product data.
- • Complaint comparisons appear only when both institutions have reviewed mappings and the same complete source window.
- • Regulatory actions are displayed separately and are not included in category scoring.
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Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Every valid pair is viewable; pairs enter search automatically only when current data, comparability, and visitor interest meet the publication rules.