First Keystone Community Bank

Berwick, PA
IDRSSD: 790918
Total Assets
$1.53B
Latest filing
Total Deposits
$1.14B
Latest filing
Net Interest Margin
2.78%
Profitability

Key People

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Locations

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Main Office
First Keystone Community Bank
111 W Front St
Berwick, PA 18603
Full Service - Brick and Mortar
Updated 01/30/2026Established 09/23/1864FDIC Certificate 4826

Branches (18)

Page 1 of 3
NameAddressCity / State
First Keystone Community Bank (Main)111 W Front StBerwick, PA
NESCOPECK BRANCH437 W 3rd StNescopeck, PA
SALEM BRANCH400 Fowler AveBerwick, PA
FREAS AVENUE BRANCH701 Freas AveBerwick, PA
SCOTT TOWNSHIP BRANCH2301 Columbia BlvdBloomsburg, PA
MIFFLINVILLE BRANCHThird And Race StreetsMifflinville, PA
HANOVER TOWNSHIP BRANCH1540 Sans Souci PkwyHanover Township, PA
BRIAR CREEK BRANCH55 Briar Creek PlzBerwick, 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

Institution Profile

Institution ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date09/23/1864
Community BankYes
Ownership TypeNot Mutual
ZIP18603
State and County Number42037
Subchapter S CorporationsNo
Trust PowersFull Trust Powers Granted
Federal Reserve ID Number03
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictNew York
Core Based Statistical Area NameBloomsburg-Berwick, PA

Operational Info

Number of Employees203
Domestic Offices19
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitewww.fkc.bank
Data Updated01/30/2026
CERT7404
Office of The Comptroller District:
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$1.53B
Total Deposits$1.14B
Total Liabilities$1.40B
Total Equity Capital$132.80M
Net Income$965.00k
Net Loans and Leases$940.80M
Assets Per Employee ($Millions)$7.5M
Bank Premises and Fixed Assets$20.69M
Cash and Balances due from Depository Institutions$121.25M
Deposits Held in Domestic Offices$1.14B

Key Performance Ratios

Return on Assets (ROA)0.25%
Return on Equity (ROE)2.93%
Net Interest Margin2.78%
Efficiency Ratio74.85%
Tier 1 Risk-Based Capital Ratio15.39%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.55%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets8.677%
Earning Assets to total Assets94.56%

Income and Expense

Total Interest Income$20.42M
Total Noninterest Income$1.74M
Total Interest Expense$10.20M
Total Noninterest Expense$8.95M
Net Interest Income$10.21M
Pre-tax Net Operating Income$869.00k
Provision for Credit Losses$2.14M
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets
Other Real Estate Owned$0
Other borrowed funds$206.03M
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$36.84M
All Other Liabilities$12.83M
Total Liabilities and Capital$1.53B

Securities

Securities$394.23M
Available-for-sale debt securities$394.23M
Equity securities with readily determinable fair values not held for trading
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?
$1.53B as of the latest filing.
How much are First Keystone Community Bank's total deposits?
$1.14B in total deposits.
Where is First Keystone Community Bank located?
Berwick, PA.
What is the Net Interest Margin?
2.78%.
How many domestic offices does it operate?
19.
When was it established?
09/23/1864.
What is the Return on Assets (ROA)?
0.25%.
How much are total loans and leases?
$940.80M (latest filing).
What is the total interest income (latest filing)?
$20.42M.