First Keystone Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Keystone Community Bank of Berwick, PA against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.02% | 1.34% | -0.32% | 28th below |
| ROAE | 11.97% | 12.34% | -0.37% | 46th below |
| Net Interest Margin | 2.88% | 3.83% | -0.95% | 11th bottom |
| Efficiency Ratio | 66.09% | 58.97% | +7.12% | 26th below |
| PPNR / Avg Assets | 1.06% | — | — | 16th bottom |
| Yield on Earning Assets | 5.31% | 5.71% | -0.40% | 36th below |
| Cost of Funds | 2.60% | 2.02% | +0.58% | 18th bottom |
| Net Interest Spread | 2.20% | — | — | 10th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.11% | 0.87% | +1.24% | 8th bottom |
| NPA / Total Assets | 1.28% | — | — | 13th bottom |
| NCO / Avg Loans | -0.02% | 0.43% | -0.45% | 94th top |
| ACL / Total Loans | 0.92% | — | — | 21st bottom |
| ACL / NPLs (Coverage) | 43.70% | — | — | 5th bottom |
| Texas Ratio | 13.85% | 5.48% | +8.37% | 9th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 15.34% | 14.99% | +0.35% | 73rd above |
| Tier 1 Ratio | 15.34% | 15.02% | +0.32% | 72nd above |
| Total Capital Ratio | 16.23% | — | — | 70th above |
| Leverage Ratio | 9.69% | 11.11% | -1.42% | 28th below |
| Equity / Assets | 8.67% | 11.02% | -2.35% | 16th bottom |
| TCE / Tangible Assets | 8.67% | — | — | 23rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.16% | 86.99% | -6.83% | 70th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.74% | 85.57% | +2.17% | 45th below |
| Uninsured Deposit Ratio | 26.60% | 33.19% | -6.59% | 65th above |
| Wholesale Funding Ratio | 15.37% | — | — | 5th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.51% | — | — | 73rd above |
| Loan Growth (Y/Y) | -0.98% | — | — | 13th bottom |
| Deposit Growth (Y/Y) | 11.67% | — | — | 79th top |
See First Keystone Community Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Keystone Community Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Keystone Community Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the First Keystone Community Bank peer analysis.