First Keystone Community Bank
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Data as of · sourced from FFIEC call reports. How we update
First Keystone Community Bank is an FDIC-insured commercial bank headquartered in Berwick, PA, established in 1864 (FDIC certificate 7404), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.57B, up 9.5% from Q2 2025, the 33rd largest of 109 banks headquartered in Pennsylvania. Its CET1 capital ratio was 15.34% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 7404
- Headquarters
- Berwick, PA
- Established
- 1864
- Total assets, Q2 2026
- $1.57B
- Assets vs Q2 2025
- +9.5%
- CET1 ratio, Q2 2026
- 15.34%
- Domestic offices
- 19 FDIC institution directory, current count
- Routing number
- 031307125
- Holding company
- FIRST KEYSTONE CORPORATION
- Asset rank in state
- 33rd of 109 in Pennsylvania
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%. The figures come from its call report filed with the FFIEC.
First Keystone Community Bank ranks as the 33rd largest of the 109 banks based in Pennsylvania, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 3.3% to $1.57B, loans rose 1.9% and deposits rose 4.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 34.7% of total loans, followed by owner-occupied commercial real estate loans at 29.0%. Its 19 offices in the FDIC Summary of Deposits are in 16 cities in PA; its Berwick 4 offices book 39% of its branch deposits. Judged on its Q2 2026 call report, First Keystone Community Bank meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 19 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First Keystone Community Bank's total assets ranged from $1.32B (Q3 2023) to $1.58B (Q3 2025), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.57B total assets against $1.44B; $1.44B total liabilities against $1.31B.
$941.6M net loans and leases against $952.0M; $1.19B total deposits against $1.06B.
$369.1M securities against $368.3M; $188.0M cash and balances due against $39.1M.
$20.0M total interest income against $18.9M; $9.2M total interest expense against $9.1M.
$10.8M net interest income against $9.8M.
$1.7M total noninterest income against $1.7M; $8.4M total noninterest expense against $8.2M.
-$358K provision for credit losses against -$230K.
$4.0M net income against $3.1M.
1.02% return on assets against 0.84%; 2.88% net interest margin against 2.82%.
15.34% CET1 capital ratio against 14.95%; 9.69% tier 1 leverage ratio against 10.26%.
Inside the full First Keystone Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Keystone Community Bank rankings
Its closest position to the top of a national ranking is 364 of 3,640, for Texas Ratio; its furthest is 2,474 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.13% (Q4 2025) to 1.02% (Q2 2026) and its net interest margin ran from 2.45% (Q3 2024) to 2.88% (Q2 2026).
| 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
View all 19 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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 145 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).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is First Keystone Community Bank headquartered?
It is headquartered in Berwick, PA, United States.
When was First Keystone Community Bank founded?
It was established in 1864, per the FDIC institution directory.
Is First Keystone Community Bank FDIC-insured?
Yes. It 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.
What is First Keystone Community Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 13.85% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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