First Keystone Community Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at First Keystone Community Bank. Based in Berwick, Pennsylvania, it had $1.6 billion in assets at June 30, 2026, up 9.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.11% of loans from 0.49% a year earlier. It carries problem assets equal to 13.8% of the capital and reserves that would absorb them, 3.9 times the median of 3.6% for the 895 banks with $1 billion to $10 billion in assets. It also keeps 2.88 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.71 cents).
Loans and deposits moved in opposite directions: over the year loans fell 1.0% and deposits rose 11.7%. The non-owner-occupied commercial real estate book ($112 million) is worsening: 4.47% of it is past due or on nonaccrual, up from 2.00% a year earlier. Funding is the softer spot: it pays an average of 2.60% on its deposits and borrowings, higher than about three-quarters of banks its size (median 2.01%).
As of June 30, 2026, First Keystone Community Bank reported a CET1 capital ratio of 15.34%, a return on assets of 1.02%, a nonperforming-loan ratio of 2.11% and a Texas ratio of 13.85%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 111 W Front St, Berwick, PA 18603
- County
- Columbia
- Metro Area
- Bloomsburg-Berwick, PA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- September 23, 1864
- Former names
- First Keystone National Bank (2007-2010)
- Offices
- 19 domestic
- Employees (FTE)
- 198
- Domestic deposits
- $1.19B
- Allowance for credit losses
- $8.8M
- Net charge-offs (YTD)
- -$56K
- Average total assets
- $1.58B
- Average total loans
- $938.7M
- Average interest-bearing deposits
- $942.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 7404
- Fed RSSD
- 790918
- SEC CIK
- 737875 → filed by FIRST KEYSTONE CORPORATION
- Website
- www.fkc.bank →
- Parent Holding Company
- FIRST KEYSTONE CORPORATION (RSSD 1118265) · FKYS
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Jack W. Jones | CEO | President & CEO |
| Bull Robert Alvin | CHR | Chairman |
| Gordner Stacy Lynn | CFO | SVP & CFO |
| Michelle M. Karas | COO | SVP & COO |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First Keystone Community Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First Keystone Community Bank, freeFirst Keystone Community Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.34% | 1.02% | 2.11% | 13.85% | 2.88% |
| Q1 2026 | 15.08% | 0.58% | 1.81% | 11.95% | 2.61% |
| Q4 2025 | 15.17% | -0.13% | 1.77% | 11.92% | 2.71% |
| Q3 2025 | 14.91% | 0.77% | 0.65% | 4.47% | 2.70% |
| Q2 2025 | 14.95% | 0.84% | 0.49% | 3.49% | 2.82% |
| Q1 2025 | 14.66% | 0.38% | 0.62% | 4.45% | 2.64% |
| Q4 2024 | 14.92% | 0.66% | 0.51% | 3.62% | 2.55% |
| Q3 2024 | 14.81% | 0.45% | 0.56% | 3.91% | 2.45% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 19 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Keystone Community Bank (main office) | Berwick , PA | 18603 | $281.5M |
| Stroudsburg | Stroudsburg , PA | 18360 | $112.7M |
| Scott Township Branch | Bloomsburg , PA | 17815 | $98.9M |
| Salem Branch | Berwick , PA | 18603 | $86.1M |
| Mountaintop | Mountain Top , PA | 18707 | $77.4M |
| Kingston Branch | Kingston , PA | 18704 | $75.0M |
| Freas Avenue Branch | Berwick , PA | 18603 | $59.8M |
| Hanover Township Branch | Hanover Township , PA | 18706 | $57.3M |
| Nescopeck Branch | Nescopeck , PA | 18635 | $46.5M |
| Swiftwater Office | Swiftwater , PA | 18370 | $42.2M |
| Shickshinny Branch | Shickshinny , PA | 18655 | $40.4M |
| Dallas Branch | Dallas , PA | 18612 | $35.2M |
| Mifflinville Branch | Mifflinville , PA | 18631 | $32.1M |
| Briar Creek Branch | Berwick , PA | 18603 | $29.2M |
| Brodheadsville Branch | Brodheadsville , PA | 18322 | $26.4M |
| Mountainhome Branch | Cresco , PA | 18326 | $25.3M |
| Plymouth Branch | Plymouth , PA | 18651 | $20.3M |
| Danville Branch | Danville , PA | 17821 | $19.9M |
| Bethlehem Branch | Bethlehem , PA | 18017 | $19.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 1, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2007 | Structure Change | Acquired Pocono Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for First Keystone Community Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC (former OTS)); 1 against individuals associated with it
- July 1, 2010, OCC (former OTS): Termination of Supervisory Agreement: First Keystone Bank
- Period: Most recent institution action July 1, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in PA, rank 50 of 148 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 286 applications, 234 loans originated, $47.7M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $2.4M approved, $2.4M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First Keystone Community Bank
What are First Keystone Community Bank's total assets?
As of the Q2 2026 filing, First Keystone Community Bank reported total assets of $1.57 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Keystone Community Bank headquartered?
First Keystone Community Bank is headquartered in Berwick, PA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was First Keystone Community Bank founded?
First Keystone Community Bank was established in 1864, per the FDIC institution directory.
Is First Keystone Community Bank FDIC-insured?
Yes. First Keystone Community Bank is an FDIC-insured commercial bank (FDIC Certificate #7404). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Keystone Community Bank?
First Keystone Community Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Keystone Community Bank's CET1 capital ratio?
First Keystone Community Bank reported a Common Equity Tier 1 (CET1) capital ratio of 15.34% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Keystone Community Bank operate?
First Keystone Community Bank operates 19 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Keystone Community Bank's Texas Ratio?
First Keystone Community Bank's Texas Ratio is 13.85% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was First Keystone Community Bank previously called?
The charter now named First Keystone Community Bank has also operated as First Keystone National Bank (2007-2010), per FDIC structure-change records.
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