First Keystone Community Bank
Berwick, PA
IDRSSD: 790918
Total Assets
$1.58B
Latest filing
Total Deposits
$1.20B
Latest filing
Net Interest Margin
2.77%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First Keystone Community Bank
111 W Front St
Berwick, PA 18603
Full Service - Brick and Mortar
Updated 11/14/2025Established 09/23/1864FDIC Certificate 4826
Branches (18)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| First Keystone Community Bank (Main) | 111 W Front St | Berwick, PA |
| NESCOPECK BRANCH | 437 W 3rd St | Nescopeck, PA |
| SALEM BRANCH | 400 Fowler Ave | Berwick, PA |
| FREAS AVENUE BRANCH | 701 Freas Ave | Berwick, PA |
| SCOTT TOWNSHIP BRANCH | 2301 Columbia Blvd | Bloomsburg, PA |
| MIFFLINVILLE BRANCH | Third And Race Streets | Mifflinville, PA |
| HANOVER TOWNSHIP BRANCH | 1540 Sans Souci Pkwy | Hanover Township, PA |
| BRIAR CREEK BRANCH | 55 Briar Creek Plz | Berwick, PA |
Showing 7 of 18
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 09/23/1864 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 18603 |
| State and County Number | 42037 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 03 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Bloomsburg-Berwick, PA |
Operational Info
| Number of Employees | 204 |
| Domestic Offices | 19 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fkc.bank |
| Data Updated | 11/14/2025 |
| CERT | 7404 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.58B |
| Total Deposits | $1.20B |
| Total Liabilities | $1.45B |
| Total Equity Capital | $130.87M |
| Net Income | $2.95M |
| Net Loans and Leases | $949.73M |
| Assets Per Employee ($Millions) | $7.79M |
| Bank Premises and Fixed Assets | $21.03M |
| Cash and Balances due from Depository Institutions | $147.25M |
| Deposits Held in Domestic Offices | $1.20B |
Key Performance Ratios
| Return on Assets (ROA) | 0.78% |
| Return on Equity (ROE) | 9.18% |
| Net Interest Margin | 2.77% |
| Efficiency Ratio | 68.9% |
| Tier 1 Risk-Based Capital Ratio | 14.91% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.281% |
| Earning Assets to total Assets | 94.3% |
Income and Expense
| Total Interest Income | $19.80M |
| Total Noninterest Income | $1.73M |
| Total Interest Expense | $9.98M |
| Total Noninterest Expense | $7.95M |
| Net Interest Income | $9.81M |
| Pre-tax Net Operating Income | $3.34M |
| Provision for Credit Losses | $248.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $206.03M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $32.86M |
| All Other Liabilities | $14.20M |
| Total Liabilities and Capital | $1.58B |
Securities
| Securities | $407.77M |
| Available-for-sale debt securities | $407.77M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Keystone Community Bank?
$1.58B as of the latest filing.
How much are First Keystone Community Bank's total deposits?
$1.20B in total deposits.
Where is First Keystone Community Bank located?
Berwick, PA.
What is the Net Interest Margin?
2.77%.
How many domestic offices does it operate?
19.
When was it established?
09/23/1864.
What is the Return on Assets (ROA)?
0.78%.
How much are total loans and leases?
$949.73M (latest filing).
What is the total interest income (latest filing)?
$19.80M.