First Keystone Community Bank Routing Number (ABA): 031307125

First Keystone Community Bank at a glance

Its CET1 capital ratio was 15.34% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.

Total assets, Q2 2026

$1.57B

CET1 ratio, Q2 2026

15.34%

Deposit insurance

FDIC

Regulator

FDIC

Domestic offices

19 FDIC institution directory, current count

Latest call report

Q2 2026, FFIEC 051

Established

1864

Full financial profile · Is First Keystone Community Bank safe? · First Keystone Community Bank call report · Branch locations

What the digits mean

The first two digits, 03, place this number in the Federal Reserve Bank of Philadelphia's district (District 3). Digits five through eight, 0712, identify the institution within that district. The last digit, 5, is a check digit, and the number passes the standard check: weight the nine digits 3, 7, 1, 3, 7, 1, 3, 7, 1 and the sum is a multiple of 10.

Before you send money to First Keystone Community Bank

A routing number tells the payment network which financial institution holds an account. You give it with an account number for ACH transfers through the automated clearing house, such as direct deposit, bill pay and transfers from a checking account, which usually settle in one to two business days. An international wire to a US account normally needs the bank's SWIFT code as well.

Match this number against the one on your First Keystone Community Bank checks or in its online banking. Ask the bank for wire instructions (www.fkc.bank). Our record does not show whether this number receives wires. The Federal Reserve's E-Payments Routing Directory shows it: its Fedwire participant search lists the numbers that can receive Fedwire transfers, and its FedACH search lists those that receive ACH payments. How to confirm any routing number.

About First Keystone Community Bank

First Keystone Community Bank is headquartered in Berwick, Pennsylvania and was established in 1864. It is in the BLOOMSBURG-BERWICK, PA metro area. It reported $1.57B in total assets and $1.19B in deposits for Q2 2026, the 33rd largest of the 109 banks headquartered in Pennsylvania. It reports 19 domestic offices. Its deposits have been FDIC insured since 1934. Its primary federal regulator is the FDIC.

What the digits in 031307125 mean

The first four digits, 0313, are the Federal Reserve routing symbol. The prefix 03 places the number in the 3rd Federal Reserve District (Philadelphia). That is also the district where the bank is headquartered. Digits five through eight, 0712, identify the institution within its Federal Reserve district. The last digit, 5, is a check digit. Weighting the digits 3, 7 and 1 in turn gives 3 x 4 + 7 x 5 + 13 = 60, a multiple of 10, so 031307125 is a well-formed routing number. A mistyped digit almost always breaks that sum.

What is the First Keystone Community Bank routing number?

The First Keystone Community Bank routing number is 031307125. It is the primary ABA routing transit number registered to First Keystone Community Bank, headquartered in Berwick, PA. The number comes from the FFIEC National Information Center institution record, last refreshed here on October 27, 2026.

What is the First Keystone Community Bank wire routing number?

This page lists the primary routing number registered to First Keystone Community Bank. The record does not say whether the bank uses the same number for wire transfers. Confirm the wire routing number with First Keystone Community Bank before sending a wire.

Is ABA number 031307125 the routing number for First Keystone Community Bank?

Yes. It is the primary routing number registered to First Keystone Community Bank.

Which bank uses routing number 031307125?

It belongs to First Keystone Community Bank, headquartered in Berwick, PA. It is the bank's primary ABA routing number (FDIC certificate 7404).

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