First Keystone Community Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 9.82 percentage points in Q2 2026, from 53.52% to 43.70%. It was the largest change from Q1 2026 among the key lines here. Within Pennsylvania, First Keystone Community Bank is 58th of 109 on return on assets, 1.02% as of Q2 2026. First Keystone Community Bank reported 1.02% on return on assets for Q2 2026, 0.26 points below the 1.27% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.34% |
| Tier 1 risk-based capital ratio | 15.34% |
| Total risk-based capital ratio | 16.23% |
| Tier 1 leverage ratio | 9.69% |
| Equity capital to assets | 8.67% |
| Tangible equity to tangible assets | 8.67% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.11% |
| Non-performing assets ratio | 1.28% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 13.85% |
| Allowance for credit losses to loans | 0.92% |
| Reserve coverage of non-performing loans | 43.70% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.02% |
| Return on equity | 11.97% |
| Net interest margin | 2.88% |
| Efficiency ratio | 66.09% |
| Yield on earning assets | 5.31% |
| Cost of funds | 2.60% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.16% |
| Core deposits to total deposits | 87.74% |
| Brokered deposits to total deposits | 5.85% |
| Deposits to assets | 75.39% |
| Securities to assets | 23.47% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.42% | 15.42% | 16.17% | 10.87% | 0.47% |
| Q4 2023 | 14.94% | 14.94% | 15.68% | 10.38% | 0.55% |
| Q1 2024 | 15.01% | 15.01% | 15.76% | 10.06% | -4.94% |
| Q2 2024 | 15.07% | 15.07% | 15.87% | 10.23% | 0.46% |
| Q3 2024 | 14.81% | 14.81% | 15.59% | 10.26% | 0.45% |
| Q4 2024 | 14.92% | 14.92% | 15.69% | 10.24% | 0.66% |
| Q1 2025 | 14.66% | 14.66% | 15.46% | 10.26% | 0.38% |
| Q2 2025 | 14.95% | 14.95% | 15.73% | 10.26% | 0.84% |
| Q3 2025 | 14.91% | 14.91% | 15.71% | 9.82% | 0.77% |
| Q4 2025 | 15.17% | 15.17% | 16.12% | 9.62% | -0.13% |
| Q1 2026 | 15.08% | 15.08% | 16.00% | 9.65% | 0.58% |
| Q2 2026 | 15.34% | 15.34% | 16.23% | 9.69% | 1.02% |
First Keystone Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Keystone Community Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Keystone Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7404) · FFIEC NIC profile (RSSD 790918)