First Keystone Community Bank
First Keystone Community Bank is a Pennsylvania state-chartered community bank founded in 1864, operating 19 branches across five northeastern Pennsylvania counties. It provides personal and business banking, commercial lending, mortgages, and trust services to individual consumers and small-to-mid-sized businesses.
- Company typePrivate
- Founded1864
- HeadquartersBerwick, United States
- Headcount101–250
- GTM typeB2C
- OfferingServices
What First Keystone Community Bank does
First Keystone Community Bank is a Pennsylvania state-chartered community bank founded in 1864 and headquartered in Berwick, Pennsylvania. It operates as a wholly-owned subsidiary of First Keystone Corporation (OTC: FKYS), a publicly-traded holding company. The bank serves individuals and small-to-mid-sized businesses across five northeastern and northcentral Pennsylvania counties (Columbia, Luzerne, Montour, Monroe, and Northampton) through 19 full-service branch offices, supported by online and mobile banking platforms, an ATM network, telephone banking, and a commercial lending team.
The bank's product portfolio spans consumer banking (six checking products including Keystone Cash, Keystone Cashback, Key Checking, Key Interest Checking, Keystone First, and the Bank On-certified Keystone Bank On; savings, money market, CDs, IRAs, HSAs; personal loans, mortgages, HELOCs, vehicle loans, and credit cards) and commercial banking (business checking, term loans, lines of credit, commercial real estate loans, ACH origination, lockbox, remote deposit capture, merchant services, positive pay, and business credit cards). Trust and estate planning services are offered through an in-house trust department. The underlying technology is a standard commercial banking platform with no disclosed proprietary AI/ML components.
First Keystone generates revenue primarily through net interest income on loans and securities ($37.651M in 2025), supplemented by non-interest income from deposit account fees, mortgage banking gains, merchant services, and trust and wealth management fees. As of December 31, 2025, the bank held $1.53B in total assets (up 7.3% YoY) and reported full-year net income of $7.622M (up 157.7% versus a 2024 figure depressed by a $19.133M Q1 2024 non-cash goodwill impairment). The bank has paid quarterly dividends for 31 consecutive years, and its parent company's stock carried a 6.23% dividend yield as of May 2026.
First Keystone Community Bank firmographics
Firmographics- Name
- First Keystone Community Bank
- Legal name
- First Keystone Community Bank
- Website
- https://fkc.bank
- Company type
- Private
- Founded year
- 1864
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- First Keystone Community Bank is a Pennsylvania state-chartered community bank founded in 1864, operating 19 branches across five northeastern Pennsylvania counties. It provides personal and business banking, commercial lending, mortgages, and trust services to individual consumers and small-to-mid-sized businesses.
- Ownership category
- akta.pro rank
First Keystone Community Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
- akta.pro secondary industries
- Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI), Financial Inclusion & Basic Banking (Unbanked/Underbanked, Low-Fee Accounts) (FSABAAAL)
Keywords
Where First Keystone Community Bank is headquartered
LocationHeadquarters
- HQ city
- Berwick
- HQ country
- United States
- HQ region
- North America
Offices7 records
Markets served
First Keystone Community Bank business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others
Revenue model
- Net Interest Income: Primary revenue stream from interest earned on loans (commercial real estate, residential mortgages, consumer loans) and securities. Interest income from commercial real estate loans is a key growth driver.
- Non-Interest Income - Fees and Charges: Fee income from deposit accounts including overdraft fees, service charges, ATM and debit card income, and retail investment income.
- Mortgage Banking Income: Gains on sales of mortgage loans and related mortgage banking activities.
- Trust and Wealth Management: Income from trust department services including estate planning, trust administration, and investment management services.
Go-to-market motion1 record
Distribution channels6 records
Marketing channels7 records
First Keystone Community Bank product offering
Product offeringCore offering
First Keystone Community Bank is a Pennsylvania state-chartered community bank providing personal and business banking services through 19 branch offices across five counties. Its product portfolio includes deposit accounts (checking, savings, money market, CDs), consumer and commercial lending (personal loans, mortgages, HELOCs, commercial real estate loans), business cash management services (ACH origination, merchant services, remote deposit capture, positive pay, lockbox), and trust and estate planning services. Digital channels include online banking, a mobile app with remote deposit, and ATM access.
Product overview
First Keystone Community Bank offers a unified community banking platform providing integrated personal and business financial services. The product portfolio centers on core deposit products (checking, savings, money market, CDs) and lending products (personal loans, mortgages, home equity, commercial loans) supplemented by digital banking channels, business cash management services (ACH, merchant services, remote deposit capture, positive pay, lockbox), and trust/estate planning services. Personal checking offerings include six named products (Keystone Cash, Keystone Cashback, Key Checking, Key Interest Checking, Keystone First, Keystone Bank On) targeting different customer segments from first-time bankers to reward-seekers. Business banking includes specialized commercial lending and cash management services. The bank operates 19 branches across five Pennsylvania counties and provides digital and mobile banking access.
Differentiator
Problem solved
Functional benefit
Products and services
- Keystone Cash
Quantifiable outcome
- Total assets grew to $1.53 billion (up 7.3%) and deposits increased to $1.14 billion (up 8.8%) as of year-end 2025
- +2 more outcomes
Companies that use First Keystone Community Bank
Customer profileSegments2 records
Ideal customer profiles2 records
First Keystone Community Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
First Keystone Community Bank partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered minor.
- MainStreet AdvisorsminorRebecca Hooper, VP/Senior Trust Officer, appointed to serve as member of MainStreet Advisors Advisory Board. Advisory board consists of MainStreet clients committed to their organization's success through their relationship with MainStreet Advisors.
- Cities for Financial Empowerment Fund (CFE Fund)minorPartnership for Bank On National Account Standards certification of Keystone Bank On Account. CFE Fund certifies accounts meeting standards for safe, affordable banking products for unbanked populations.
- Berwick Area School DistrictminorCommunity partnership for Innovation in the Classroom Legacy Grant program. First Keystone sponsors yearly mini-grants totaling $1,600 awarded to teachers to support creative and innovative classroom projects.
Scale indicators9 records
Recent moves8 records
Expansion highlights4 records
First Keystone Community Bank competitors and assessment
Company assessmentDirect peers
- Penns Woods Bancorp: Similar Pennsylvania-based community bank holding company with comparable asset size and full-service community banking model. Notably, First Keystone's new CEO Jack W. Jones and COO Michelle Karas both came from Penns Woods, indicating very directly overlapping operations, markets, and culture.
- Citizens & Northern Bank: Pennsylvania-based community bank of comparable scale serving northern PA counties with similar deposit, lending, and trust services. First Keystone's COO Michelle Karas previously worked at Citizens & Northern, demonstrating direct operational overlap in the same regional market.
- First Columbia Bank & Trust Co. Pennsylvania community bank headquartered in Bloomsburg (adjacent to First Keystone's Columbia County market) with similar full-service community banking offerings and customer base overlap. First Keystone's COO previously served as VP/Marketing Director here.
- S&T Bank: Pennsylvania-based community bank with comparable asset size and full-service consumer/business banking model. Operates in overlapping PA markets with similar relationship-based community banking approach.
- CNB Financial Corporation: Pennsylvania community bank holding company (Clearfield-based) with comparable asset size, full-service community banking model, and emphasis on commercial lending and relationship banking in PA markets.
- First Commonwealth Financial: Pennsylvania-based community bank holding company serving similar consumer and business banking customers in PA with comparable scale and product mix including commercial lending and digital banking services.
- Univest Financial Corporation: Pennsylvania-based community bank holding company with similar asset size, offering comparable full-service banking products to consumers and businesses in overlapping regional PA markets.
- Mid Penn Bancorp: Central Pennsylvania community bank holding company with similar scale, full-service community banking platform, and emphasis on commercial lending and relationship-based banking serving PA markets.
- ACNB Corporation: Pennsylvania-based community bank holding company (Adams County National Bank) with similar asset size, full-service consumer/business banking, and trust services serving south-central PA markets.
Broad incumbents
- F.N.B. Corporation: Much larger Pennsylvania-headquartered regional bank holding company with overlapping consumer/business banking, commercial lending, and wealth management. Serves many of the same PA markets but at significantly greater scale with broader geographic footprint and digital capabilities.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights7 records
Customer concentration
First Keystone Community Bank social profiles
Digital presenceFirst Keystone Community Bank compliance and trust
Trust signalCompliance2 records
First Keystone Community Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
First Keystone Community Bank leadership team
Management profileNumber of profiles
Profiles19 records
First Keystone Community Bank subsidiaries and ownership
Company hierarchySubsidiaries1 record
First Keystone Community Bank funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
First Keystone Community Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about First Keystone Community Bank
What does First Keystone Community Bank do?
First Keystone Community Bank is a Pennsylvania state-chartered community bank providing personal and business banking services through 19 branch offices across five counties. Its product portfolio includes deposit accounts (checking, savings, money market, CDs), consumer and commercial lending (personal loans, mortgages, HELOCs, commercial real estate loans), business cash management services (ACH origination, merchant services, remote deposit capture, positive pay, lockbox), and trust and estate planning services. Digital channels include online banking, a mobile app with remote deposit, and ATM access.
Is First Keystone Community Bank a public or private company?
First Keystone Community Bank is a private company. It is classified as corporate owned and is currently operating.
When was First Keystone Community Bank founded?
First Keystone Community Bank was founded in 1864. It employs 101 to 250 people.
Where is First Keystone Community Bank based?
First Keystone Community Bank is headquartered in Berwick, United States, in the North America region.
How does First Keystone Community Bank make money?
Four revenue lines are on record. Net Interest Income is the primary driver. The others are non-Interest Income - Fees and Charges, mortgage Banking Income and trust and Wealth Management.
Who are First Keystone Community Bank's main competitors?
Direct peers on record are Penns Woods Bancorp, Citizens & Northern Bank, First Columbia Bank & Trust Co., S&T Bank, CNB Financial Corporation, First Commonwealth Financial, Univest Financial Corporation, Mid Penn Bancorp and ACNB Corporation. F.N.B. Corporation is listed as a broad incumbent.
Does First Keystone Community Bank have an API?
No public API is recorded for First Keystone Community Bank.
What industry is First Keystone Community Bank in?
First Keystone Community Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSABAAAI, Small Business Banking (Microbusiness/Sole Proprietor). Its NAICS code is 52211 and its SIC code is 6022.