FIRST KEYSTONE COMMUNITY BANK

BERWICK, PA | Large | Est. Sept. 23, 1864, midnight | FDIC #7404 | RSSD #790918 | FDIC
Latest Report: 2025-12-31

FIRST KEYSTONE COMMUNITY BANK is aln large FDIC-insured commercial bank headquartered in BERWICK, PA, established in Sept. 23, 1864, midnight. As of 2025-12-31, the bank reported total assets of $1.5B and total deposits of $1.1B. Profitability stands at 0.25% ROA and 2.93% ROE, with a net interest margin of 2.86%. The bank's CET1 capital ratio is 15.39%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.74% and a Texas Ratio of 5.02%. FDIC Certificate #7404.

Assets

$1.5B

Deposits

$1.1B

Loans

$949M

Equity

$133M

Profitability

Return on Assets (ROA) 0.25%
Return on Equity (ROE) 2.93%
Net Interest Margin (NIM) 2.86%
Yield on Assets 5.71%
Cost of Funds 3.67%

Asset Quality

NPL Ratio 0.74%
Net Charge-Off Ratio 0.26%
Texas Ratio 5.02%
NPA Ratio 0.46%
ACL / Loans 0.86%

Capital & Liquidity

CET1 Ratio 15.39%
Tier 1 Capital 15.39%
Total Capital Ratio 16.21%
Leverage Ratio 9.72%
Loan-to-Deposit 83.09%

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