TellerScore

First Keystone Community Bank is a state-chartered bank headquartered in Berwick, Pennsylvania, in business for about 162 years. At the end of Q2 2026 it reported $1.6B in total assets and $1.2B in deposits, with 19 offices.

First Keystone Community Bank has a TellerScore of 50 out of 100 (below average) based on Q2 2026 data — higher than only 7% of its 897 banks with $1 billion – $10 billion. Among 110 banks headquartered in Pennsylvania, it ranks 103rd. Problem-loan coverage contributes the most (72/100, 13.8%); loan quality contributes the least (30/100, 2.11%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Tier 1 leverage ratio: 9.69%
Loan quality30/100
Noncurrent loans ÷ total loans: 2.11%
Earnings53/100
Return on assets (annualized): 0.81%
Funding & liquidity68/100
Loans ÷ deposits and uninsured-deposit share: 79.4% · 26.6% uninsured
Problem-loan coverage72/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 13.85%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 14 points (64 → 50), mostly because the loan quality component weakened by 54 points.

TellerScore
495764Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202453
Q3 202453
Q4 202454
Q1 202560
Q2 202564
Q3 202562
Q4 202549
Q1 202650
Q2 202650
Tier 1 leverage ratio
5.00%7.63%10.26%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.23%
Q3 202410.26%
Q4 202410.24%
Q1 202510.26%
Q2 202510.26%
Q3 20259.82%
Q4 20259.62%
Q1 20269.65%
Q2 20269.69%
Noncurrent loans
0.49%1.30%2.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.53%
Q3 20240.56%
Q4 20240.51%
Q1 20250.62%
Q2 20250.49%
Q3 20250.65%
Q4 20251.77%
Q1 20261.81%
Q2 20262.11%
Return on assets
-2.31%-0.75%0.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-2.31%
Q3 2024-1.38%
Q4 2024-0.86%
Q1 20250.39%
Q2 20250.63%
Q3 20250.67%
Q4 20250.47%
Q1 20260.59%
Q2 20260.81%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202650$1.6B9.69%2.11%0.81%79.4%
Q1 202650$1.5B9.65%1.81%0.59%81.3%
Q4 202549$1.5B9.62%1.77%0.47%82.2%
Q3 202562$1.6B9.82%0.65%0.67%79.4%
Q2 202564$1.4B10.26%0.49%0.63%89.7%
Q1 202560$1.4B10.26%0.62%0.39%91.0%
Q4 202454$1.4B10.24%0.51%-0.86%89.5%
Q3 202453$1.4B10.26%0.56%-1.38%90.3%
Q2 202453$1.4B10.23%0.53%-2.31%92.3%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.69%
28th
Total risk-based capital16.23%
78th
Problem loans2.11%
8th
Net charge-offs-0.01%
95th
Return on assets0.81%
20th
Net interest margin2.80%
9th
Efficiency ratio73.2%
16th
Loans to deposits79.4%
69th
Uninsured deposits26.6%
64th
Loan-loss reserves0.92%
22nd
Texas ratio13.8%
9th

Similar-size banks in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
1st Summit BankBank Johnstown, PA60 out of 100, Moderate$1.5B8.6%0.44%vs
Community BankBank Carmichaels, PA66 out of 100, Moderate$1.7B9.9%0.29%vs
Journey BankBank Bloomsburg, PA71 out of 100, Strong$1.7B10.2%0.74%vs
Ameriserv Financial BankBank Johnstown, PA60 out of 100, Moderate$1.5B9.5%0.76%vs
Marquette Savings BankBank Erie, PA73 out of 100, Strong$1.4B13.6%0.66%vs
Washington Financial BankBank Washington, PA81 out of 100, Strong$1.4B14.7%0.46%vs

Deposit insurance

Is my money safe at First Keystone Community Bank?

Yes. First Keystone Community Bank is an FDIC-insured institution (FDIC certificate #7404). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.6% of deposits ($315.3M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.69%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.23% (benchmark: 10%).

Check how much of your own balance is covered

19 locations

Branches

First Keystone Community Bank lists 19 offices in 16 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Keystone Community Bank reported 284 home-loan applications under HMDA (LEI 254900JM9VOQ8A8WF359): 234 originated ($47,720,000 total), 18 denied, and 16 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First Keystone Community Bank
Former names
The First National Bank of Berwick; First Keystone National Bank
Type
State-chartered bank
FDIC certificate #
7404
RSSD ID
790918
Primary regulator
FDIC
Holding company
First Keystone Corp
Established
September 23, 1864
Headquarters
111 W Front St, Berwick, PA 18603
Employees
198

Quick answers

First Keystone Community Bank: common questions

Is First Keystone Community Bank FDIC insured?

Yes. First Keystone Community Bank is an FDIC-insured institution (FDIC certificate #7404). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Keystone Community Bank's TellerScore?

50 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First Keystone Community Bank ever failed?

There is no failure record for FDIC certificate #7404 in the FDIC failed bank list.

How many branches does First Keystone Community Bank have?

19 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Berwick

InstitutionScoreAssetsCapitalProblem loansCompare
P & G Mehoopany Employees Federal Credit UnionCredit union Tunkhannock, PA95 out of 100, Very strong$195.3M14.8%0.14%vs
Corner Post Federal Credit UnionCredit union Wilkes Barre, PA92 out of 100, Very strong$99.4M17.7%0.91%vs
Ufcw Community Federal Credit UnionCredit union Wyoming, PA86 out of 100, Very strong$181.4M15.3%1.18%vs
Citymark Federal Credit UnionCredit union Plains, PA86 out of 100, Very strong$152.2M16.2%0.88%vs
The Honesdale National BankBank Honesdale, PA84 out of 100, Strong$1.2B13.7%0.24%vs
Saint Nicholas Federal Credit UnionCredit union Wilkes Barre, PA81 out of 100, Strong$3.6M15.0%0.85%vs