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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