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Overview / Commentary
111 West Front Street
Berwick, PA 18603

First Keystone Community Bank is headquartered in Berwick and is the 39th largest bank in the state of Pennsylvania. It is also the 761st largest bank in the nation. It was established in 1864 and as of March of 2014, it had grown to 209 employees at 18 locations. First Keystone Community Bank has a A+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 First Keystone Community Bank had $4.53 million in non-current loans and owned real-estate with $102.35 million in equity and loan loss allowances on hand to cover it. This gives First Keystone Community Bank a Texas Ratio of 4.42% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for First Keystone Community Bank experienced no significant changes from 2.60% as of March 31, 2013 to 4.42% as of March 31, 2014, resulting in a negative change of 69.91%. This indicates that the balance sheet and financial strength for First Keystone Community Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, First Keystone Community Bank has increased its total deposits by $39.8 million, resulting in 6.29% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First Keystone Community Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First Keystone Community Bank has $890.64 million in assets with $102.35 million in equity, resulting in a capitalization level of 11.49%, which is excellent.

Institution Statistics

FDIC Certificate #7404
Year Established1864
Primary RegulatorFDIC
Assets and Liabilities
Assets$890.64 million
Loans$450.43 million
Deposits$672.65 million
Equity Capital$95.88 million
Loan Loss Allowance$6.48 million
Unbacked Noncurrent Loans$4.09 million
Real Estate Owned$440,000
Historic Data - March 2013
Assets$814.76 million
Equity Capital$102.94 million
Loan Loss Allowance$5.90 million
Unbacked Noncurrent Loans$4.09 million
Real Estate Owned$95,000
Profit Margin - Quarterly
Net Interest Margin3.21%
Return on Assets1.04%
Return on Equity9.84%
Interest Income$7.63 million

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First Keystone Community Bank Savings Account Rates

0.50%-$10kKasasa Saver - Qualifying
0.15%$50k-IRA Savings
0.05%--Kasasa Saver - Non Qualifying
0.05%--Key Savings

First Keystone Community Bank Money Market Rates

0.30%$500k-Key Money Market

First Keystone Community Bank Checking Account Rates

2.00%-$10kKasasa Cash - Qualifying
0.10%$10k-Key Interest Checking
0.10%$10k-Key Elite Checking
0.05%--Kasasa Cash - Non Qualifying

First Keystone Community Bank CD Rates

2.10%$1k-84 Month CD Special
1.75%$500-60 Month CD
1.30%$500-48 Month CD
0.90%$500-36 Month CD
0.90%$500-35 Month Bump Up CD
0.55%$25k-24 Month CD
0.40%$25k-18 Month CD
0.30%$25k-12 Month CD
0.25%$25k-182 Day CD
0.20%$1k-91 Day CD

First Keystone Community Bank IRA Rates

1.75%$500-60 Month IRA
0.90%$500-35 Month Bump Up IRA
0.90%$500-36 Month IRA
0.55%$500-24 Month IRA
0.30%$500-12 Month IRA
0.25%$500-182 Day IRA

First Keystone Community Bank has 17 locations. Click to view all First Keystone Community Bank locations.