What is First Keystone Community Bank's financial health grade?

First Keystone Community Bank has a TFS Financial Health Grade of C- (score: 71.8/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First Keystone Community Bank have?

First Keystone Community Bank has 19 branch locations across the United States.

Is First Keystone Community Bank FDIC insured?

Yes, First Keystone Community Bank is FDIC insured (Certificate #7404).

What are the total assets of First Keystone Community Bank?

First Keystone Community Bank has total assets of $1.5B as reported in its most recent FDIC filing.

First Keystone Community Bank

BankBerwick, Pennsylvania

www.fkc.bank

Total Assets

$1.5B

Total Deposits

$1.1B

Branches

Established

1864

TFS Health Grade

C-

71.8 / 100

Average financial health

How we grade

First Keystone Community Bank is a bank headquartered in Berwick, Pennsylvania, established in 1864. With $1.5B in total assets and 19 branch locations, it has a TFS Financial Health Grade of C- (71.8/100).

Capital & Safety

Tier 1 Capital Ratio

9.72%(8%)

Total Capital Ratio

16.21%(10%)

Non-Performing Loan Ratio

0.74%

Profitability

Return on Assets (ROA)

0.57%(1%)

Return on Equity (ROE)

6.55%(10%)

Net Interest Margin

2.79%

Efficiency Ratio

73.44%(60%)

Lending & Liquidity

Total Loans

$948.9M

Loan-to-Deposit Ratio

82.38%

Net Charge-Off Ratio

0.26%

Growth

Asset Growth (YoY)

+7.27%

Deposit Growth (YoY)

+8.70%

Net Income

$8.4M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
First Keystone Community BankHQ	111 W Front St	Berwick	PA	11
First Keystone Community Bank	55 Briar Creek Plz	Berwick	PA	12
First Keystone Community Bank	400 Fowler Ave	Berwick	PA	11
First Keystone Community Bank	701 Freas Ave	Berwick	PA	11
First Keystone Community Bank	1503 Linden St	Bethlehem	PA	11
First Keystone Community Bank	2301 Columbia Blvd	Bloomsburg	PA	11
First Keystone Community Bank	2022 Route 209	Brodheadsville	PA	11
First Keystone Community Bank	1154 Route 390	Cresco	PA	11
First Keystone Community Bank	2325 Memorial Hwy	Dallas	PA	11
First Keystone Community Bank	1049 Bloom Rd	Danville	PA	11
First Keystone Community Bank	1540 Sans Souci Pkwy	Hanover Township	PA	11
First Keystone Community Bank	299 Wyoming Ave	Kingston	PA	11
First Keystone Community Bank	Third And Race Streets	Mifflinville	PA	11
First Keystone Community Bank	18 N Mountain Blvd	Mountain Top	PA	11
First Keystone Community Bank	437 W 3rd St	Nescopeck	PA	11
First Keystone Community Bank	463 W Main St	Plymouth	PA	11
First Keystone Community Bank	107 S Main St	Shickshinny	PA	11
First Keystone Community Bank	559 Main St	Stroudsburg	PA	11
First Keystone Community Bank	2070 Route 611	Swiftwater	PA	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.