First Keystone Community Bank

Overview / Commentary
111 West Front Street
Berwick, PA 18603

First Keystone Community Bank is headquartered in BERWICK and is the 38th 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 2024, it had grown to 223 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 - YTD0.25%
Return on Equity - YTD2.59%
Annual Interest Income$16.9MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$1.43B$1.31B
LoansQ1 2024vs Q1 2023$902.3MM$855MM
DepositsQ1 2024vs Q1 2023$990.2MM$962.6MM
Equity CapitalQ1 2024vs Q1 2023$137.9MM$134.2MM
Loan Loss AllowanceQ1 2024vs Q1 2023$7.2MM$7.1MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$4.8MM$5.2MM
Real Estate OwnedQ1 2024vs Q1 2023$0$0
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Always verify rates and promotions with the bank or credit union. We are not First Keystone Community Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Keystone Community Bank Savings Account Rates

0.50%*$0$25kKeystone Savings
OTHER TIERS: 0.25% $25k+
0.15%*$50k*-IRA Savings
OTHER TIERS: 0.05% $0 - $25k | 0.10% $25k - $50k
0.05%$0-Key Savings

First Keystone Community Bank Money Market Rates

0.30%*$500k*-Key Money Market
OTHER TIERS: 0.05% $0 - $100k | 0.15% $100k - $500k

First Keystone Community Bank Checking Account Rates

2.00%*$0$10kKeystone Cash
OTHER TIERS: 0.25% $10k+
0.10%*$10k*-Key Interest Checking
OTHER TIERS: 0.05% $750 - $10k

First Keystone Community Bank CD Rates

4.85%$5k-182 Days CD Special
4.75%$1k-15 Month CD Special
4.65%$1k-11 Month CD Special
4.45%$10k-9 Month No Penalty CD Special
2.75%$500-35 Month Bump Up CD
0.60%*$100k*-60 Month CD
OTHER TIERS: 0.55% $500 - $100k
0.55%*$100k*-48 Month CD
OTHER TIERS: 0.50% $500 - $100k
0.50%*$100k*-36 Month CD
OTHER TIERS: 0.45% $500 - $100k
0.45%*$100k*-24 Month CD
OTHER TIERS: 0.40% $1k - $100k
0.35%$1k-18 Month CD
0.30%$1k-12 Month CD
0.10%$1k-91 Day CD

First Keystone Community Bank IRA Rates

4.75%$1k-15 Month IRA Special
4.65%$1k-11 Month IRA Special
2.75%$500-35 Month Bump Up IRA
0.55%$500-60 Month IRA
0.45%$500-36 Month IRA
0.40%$500-24 Month IRA
0.30%$500-12 Month IRA
0.15%$500-182 Day IRA


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