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First Keystone Community Bank
Berwick, PA · FDIC Certificate #7404 · Chartered 09/2
Total assets
$1.57B
Total deposits
$1.19B
Total equity
$136.27M
Net loans
$941.55M
Branches (offices)
19
Net income (YTD)
$6.26M
Rank: #717 of 4,213 U.S. banks by assets · #33 of 109 in Pennsylvania. Assets changed 9.5% and deposits 11.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.81% |
| Return on equity | 9.40% |
| Net interest margin (YTD) | 2.80% |
| Equity to assets | 8.67% |
| Tier 1 leverage ratio | 9.69% |
| Uninsured deposits (share of deposits) | 26.6% |
| Noncurrent loans (share of loans) | 2.11% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 79.4% |
| Real estate loans (share of loans) | 89.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $846.73M | 89.9% | |
| Commercial & industrial | $68.37M | 7.3% | |
| Consumer / individual | $4.67M | 0.5% | |
| Construction & development | $29.91M | 3.2% | |
| Agricultural | $1.24M | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.30B | $1.01B | $7.95M | $134.55M |
| Jun 2023 | $1.31B | $948.91M | $3.17M | $131.91M |
| Jun 2024 | $1.42B | $991.55M | -$16.32M | $118.03M |
| Jun 2025 | $1.44B | $1.06B | $4.48M | $126.51M |
| Jun 2026 | $1.57B | $1.19B | $6.26M | $136.27M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Pennsylvania | $1.19B | 19 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.19B.
Similar-sized banks
Newburyport Five Cents Savings Bank ($1.57B) · Cortrust Bank National Association ($1.56B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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