First Keystone Community Bank
Total assets
$1.57B
▲ +9.5% YoY
Deposits
$1.19B
▲ +11.7% YoY
Loans
$941.6M
▼ -1.1% YoY
Offices
19
FIRST KEYSTONE CORP
ROA (annualized)
0.81%
peers 1.26%
ROE (annualized)
9.40%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.5% | +5.5% | +4.0 pts |
| Deposit growth (YoY) | +11.7% | +5.1% | +6.6 pts |
| Loan growth (YoY) | -1.1% | +5.9% | -7.0 pts |
| ROA | 0.81% | 1.26% | -0.4 pts |
| ROE | 9.4% | 12.2% | -2.8 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
Profile
- Established
- 1864
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- FIRST KEYSTONE CORP
- Specialization
- Commercial Lending Specialization
- Address
- 111 W Front St, Berwick, PA, 18603
- County
- Columbia
- Metro area
- Bloomsburg-Berwick, PA
- Offices
- 19
- FDIC cert #
- 7404
- RSSD ID
- 790918
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.57B | $1.19B | $941.6M | $136.3M | $6.3M | 0.81% | 2.80% | 1.28% |
| Q1 2026 | $1.52B | $1.14B | $923.6M | $132.2M | $2.2M | 0.59% | 2.67% | 1.11% |
| Q4 2025 | $1.53B | $1.14B | $939.0M | $131.3M | $6.9M | 0.47% | 2.78% | 1.10% |
| Q3 2025 | $1.58B | $1.20B | $949.7M | $130.9M | $7.4M | 0.67% | 2.77% | 0.39% |
| Q2 2025 | $1.44B | $1.06B | $952.0M | $126.5M | $4.5M | 0.63% | 2.80% | 0.33% |
| Q1 2025 | $1.43B | $1.05B | $956.1M | $125.3M | $1.4M | 0.39% | 2.70% | 0.41% |
| Q4 2024 | $1.43B | $1.05B | $940.8M | $125.3M | $-12.3M | -0.86% | 2.52% | 0.34% |
| Q3 2024 | $1.44B | $1.03B | $926.9M | $126.1M | $-14.7M | -1.38% | 2.47% | 0.36% |
Loan mix (Q2 2026): real estate $846.7M · commercial $68.4M · consumer $4.7M · securities $369.1M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.81% | 1.26% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 12.2% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.80% | 3.70% | 9th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.2% | 59.0% | 84th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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