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First Keystone Community Bank

Berwick, PA · Cert 7404 · First Keystone Corp.

State charter, non-member · FDIC · 19 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

54

Q2 2024Q2 2026peer median (50)

Asset Quality

45

Q2 2024Q2 2026peer median (50)

Profitability

19

Q2 2024Q2 2026peer median (50)

Liquidity

67

Q2 2024Q2 2026peer median

Efficiency

15

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Keystone Community Bank

Berwick, PA · Cert 7404 · First Keystone Corp.

State charter, non-member · FDIC · 19 branches

Q2 2026

$1.6BAssets
$950.3MLoans
$1.2BDeposits
$136.3MEquity
Loan mix
92%RE $839.8M7%C&I $66.5M1%Consumer $4.9MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $953.8M20%Noninterest $231.8MQ2 2025Q2 2026

NIM

4.76%Q2 ’245.05%Q2 ’254.96%Q2 ’26+16%+1%

Non-interest income vs. expense

4.77%Q2 ’242.28%Q2 ’252.20%Q2 ’26-58%-1%

Market Position · Scranton--Wilkes-Barre, PA · 2026 SOD (annual) · 2.6% share · #10 of 21 inst. · $0.4B of $16.9B

31.9% Columbia
5.4% Luzerne
5.8% Monroe
5.2% Montour

Executive Summary

  • Earnings: ROA of 0.81%, up 19 bps year over year; NIM at 2.58%.
  • Asset quality: problem loans at 2.11% of loans (+163 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 9.69%, down 57 bps from a year ago.
  • Funding: loans stand at 80.16% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.81%+19 bps YoY

Net Interest Margin (YTD, annualized)

2.58%+2 bps YoY

Efficiency Ratio (YTD, annualized)

73.19%-185 bps YoY

Tier 1 Leverage Ratio

9.69%-57 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.63%0.67%0.47%0.59%0.81%+19 bps
Return on Equity7.13%7.80%5.42%6.82%9.40%+228 bps
Net Interest Margin2.56%2.48%2.45%2.47%2.58%+2 bps
Efficiency Ratio75.04%72.95%73.54%80.53%73.19%-185 bps
Non-Interest Burden1.80%1.69%1.68%1.91%1.78%-3 bps
Growth
Asset Growth (YoY)1.36%10.00%7.17%6.15%9.51%+816 bps
Loan Growth (YoY)4.04%2.48%0.00%-3.27%-0.98%-502 bps
Deposit Growth (YoY)7.07%16.58%8.70%8.16%11.67%+460 bps
Asset Quality
Nonperforming Loans / Loans0.49%0.65%1.77%1.81%2.11%+163 bps
Net Charge-Offs / Loans0.09%0.06%0.31%-0.01%-0.01%-10 bps
Allowance / Loans0.81%0.84%0.99%0.97%0.92%+12 bps
Allowance Coverage of NPLs1.7x1.3x0.6x0.5x0.4x-1.2x
Capital
Tier 1 Leverage Ratio10.26%9.82%9.62%9.65%9.69%-57 bps
Total Risk-Based Capital15.73%15.71%16.12%16.00%16.23%+50 bps
Equity / Assets8.81%8.28%8.59%8.69%8.67%-14 bps
Liquidity & Funding
Loans / Deposits90.40%80.04%83.05%82.11%80.16%-1,025 bps
Liquid Assets / Assets1.88%8.41%7.34%8.37%11.34%+945 bps
CRE / Total Capitaln/a355%344%346%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First Keystone Community Bank

Berwick, PA · Cert 7404 · Peer group: banks $1B-$10B in assets (n=322-328) · First Keystone Corp.

State charter, non-member · FDIC · 19 branches

Q2 2026

$1.6BAssets
$950.3MLoans
$1.2BDeposits
$136.3MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 80% of banks $1B-$10B in assets (rank 65 of 322).
  • Widest gap: net interest margin trails 93% of banks $1B-$10B in assets (rank 304 of 328).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.80%

Rank 265 of 328

Net Interest Margin

2.58%

Rank 304 of 328

Efficiency Ratio

73.19%

Rank 281 of 328

Equity / Assets

8.67%

Rank 277 of 328

Non-interest income vs. expense

$6.7M$34.8MINCOMEEXPENSE
Unfavorable gap of $28.1M · efficiency ratio beats 15% of banks $1B-$10B in assets
Bank 73.19%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.80%0.91%1.22%1.52%Beats 19%265 / 328
Return on Equity9.20%8.43%11.45%14.43%Beats 30%228 / 328
Net Interest Margin2.58%3.03%3.45%3.83%Beats 7%304 / 328
Efficiency Ratio73.19%51.61%59.56%67.53%Beats 15%281 / 328
Asset Quality
Nonperforming Loans / Loans2.11%0.24%0.51%1.03%Beats 10%292 / 322
Net Charge-Offs / Loans0.01%0.01%0.03%0.10%Beats 80%65 / 322
Capital
Tier 1 Capital Ratio15.34%11.75%13.15%15.47%Beats 74%86 / 328
Total Risk-Based Capital Ratio16.23%12.63%14.15%16.46%Beats 73%88 / 328
Equity / Assets8.67%9.15%10.33%12.01%Beats 16%277 / 328
Liquidity & Funding
Loans / Deposits80.16%76.63%87.92%95.36%31st pctl224 / 323
Loans / Assets60.43%65.18%74.15%79.98%19th pctl267 / 328
Brokered Deposits / Depositsn/aNot reported for this institution