First Keystone Community Bank

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 797th largest bank in the nation. It was established in 1864 and as of September of 2023, it had grown to 217 employees at 20 locations. First Keystone Community Bank has a B+ health rating.

Reviews (1)

First Keystone meets my needs

Posted by: |

I was skeptical about banking with a local bank like First Keystone but they pleasantly surprised me. I opened an account about four years ago and I have not had an issue since that time. They provide a no fee checking account which was excellent for me at the time when I seemed to perpetually run a low balance. They never tried to upsell me anything which is a something I appreciate and it shows they do no treat me as a commodity.
I made a large purchase, which was outside the normal range of my activity, and they had a service which alert me to suspicious activity on my account. While the automated message made me nervous initially, I am grateful that they monitor such things so closely. Just in case.
Their website is easy to navigate, and it does not greet you with those annoying security questions that have a tendency to lock people out all the time. Otherwise, I have never felt worried about any potential issue.


Health Grade Components

FDIC Certificate #7404
Year Established1864
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.48%
Return on Equity - YTD4.84%
Annual Interest Income$41.2MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$1.32B$1.32B
LoansQ3 2023vs Q3 2022$874.2MM$836.5MM
DepositsQ3 2023vs Q3 2022$1B$1.07B
Equity CapitalQ3 2023vs Q3 2022$127.3MM$124.6MM
Loan Loss AllowanceQ3 2023vs Q3 2022$6.8MM$9.2MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$6.1MM$5.9MM
Real Estate OwnedQ3 2023vs Q3 2022$0$0

Rates for First Keystone Community Bank are currently being reviewed.



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