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
Unfavorable gap of $28.1M · efficiency ratio beats 15% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.80% | 0.91% | 1.22% | 1.52% | Beats 19% | 265 / 328 | | |
| Return on Equity | 9.20% | 8.43% | 11.45% | 14.43% | Beats 30% | 228 / 328 | | |
| Net Interest Margin | 2.58% | 3.03% | 3.45% | 3.83% | Beats 7% | 304 / 328 | | |
| Efficiency Ratio | 73.19% | 51.61% | 59.56% | 67.53% | Beats 15% | 281 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.11% | 0.24% | 0.51% | 1.03% | Beats 10% | 292 / 322 | | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.03% | 0.10% | Beats 80% | 65 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 15.34% | 11.75% | 13.15% | 15.47% | Beats 74% | 86 / 328 | | |
| Total Risk-Based Capital Ratio | 16.23% | 12.63% | 14.15% | 16.46% | Beats 73% | 88 / 328 | | |
| Equity / Assets | 8.67% | 9.15% | 10.33% | 12.01% | Beats 16% | 277 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 80.16% | 76.63% | 87.92% | 95.36% | 31st pctl | 224 / 323 | | |
| Loans / Assets | 60.43% | 65.18% | 74.15% | 79.98% | 19th pctl | 267 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |