Kish Bancorp
Kish Bancorp is a Pennsylvania-based bank holding company operating Kish Bank across 20 branches in central Pennsylvania and northeastern Ohio, complemented by insurance, wealth management, benefits consulting, and travel subsidiaries serving regional consumers and small-to-medium-sized businesses.
- Company typePublic
- Founded1977
- HeadquartersBelleville, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What Kish Bancorp does
Kish Bancorp, Inc. is a Pennsylvania state-chartered bank holding company headquartered in Belleville, PA, that operates a diversified financial services platform through five core subsidiaries: Kish Bank (the primary commercial bank), Kish Insurance/Kish Agency, Kish Financial Solutions, Kish Benefits Consulting, and Kish Travel. Kish Bank provides consumer and commercial banking services through 20 physical branch locations spanning five Pennsylvania counties (Centre, Mifflin, Huntingdon, Blair, and Juniata) and northeastern Ohio, targeting individual consumers for deposit and personal lending products and small-to-medium-sized businesses for commercial lending, cash management, and commercial real estate financing. The supporting subsidiaries extend the platform into property/casualty insurance, employee benefits consulting, wealth management, and travel services, enabling cross-sell across the regional customer base.
The company's revenue model is anchored by net interest income from lending and deposit gathering, supplemented by fee-based non-interest income from insurance commissions, wealth management fees, and ancillary services. Pricing for banking products is not publicly disclosed and varies with market rates and customer creditworthiness, while the company pays an annualized dividend of $1.60 per share to public shareholders and offers a Dividend Reinvestment Plan. The underlying technology is described as a traditional banking platform with cloud migration initiatives; no public APIs, AI capabilities, or proprietary technology products are disclosed. Go-to-market is a relationship-driven community bank model through physical branches and direct commercial banking officers, augmented by an investor relations program targeting institutional shareholders through virtual conferences and an OTCQX listing under ticker KISB.
The holding company traces its roots to 1977, has executed two-for-one stock splits in 2013 and 2018, and completed subordinated notes offerings of $20 million in April 2021 and $35 million in May 2026 to support Tier 2 regulatory capital. FY2025 net income was $18.1 million ($6.25 per share) on tangible book value of $41.35 per share as of Q1 2026, with Q3 2025 net income up 34.3% year-over-year driven by loan growth and net interest margin expansion. Leadership transitioned in 2023 with Gregory T. Hayes assuming the CEO role from William P. Hayes (now Executive Chairman), and additional CFO and Chief Credit Officer successions are underway in 2025–2026.
Kish Bancorp firmographics
Firmographics- Name
- Kish Bancorp
- Legal name
- Kish Bancorp, Inc.
- Website
- https://ir.kishbancorp.com
- Company type
- Public
- Founded year
- 1977
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Kish Bancorp is a Pennsylvania-based bank holding company operating Kish Bank across 20 branches in central Pennsylvania and northeastern Ohio, complemented by insurance, wealth management, benefits consulting, and travel subsidiaries serving regional consumers and small-to-medium-sized businesses.
- Ownership category
- akta.pro rank
Where Kish Bancorp is headquartered
LocationHeadquarters
- HQ city
- Belleville
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
Kish Bancorp business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D
Revenue model
- Net Interest Income: Interest income from lending activities (consumer and commercial loans) minus interest expense paid on deposits and borrowings. This is the primary revenue driver for the bank, with Q3 2025 results highlighted by loan growth and net interest margin expansion.
- Non-Interest Income: Fee income from banking services, insurance commissions from Kish Insurance and Kish Benefits Consulting, wealth management fees from Kish Financial Solutions, and travel services revenue from Kish Travel.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Quarterly | Dividend Reinvestment Plan (DRIP) |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels5 records
Kish Bancorp product offering
Product offeringCore offering
Kish Bancorp operates as a diversified financial services holding company. Through its wholly-owned subsidiary Kish Bank, it delivers consumer and commercial banking products—including deposit accounts, personal and commercial loans, mortgages, and cash management—across 20 branches in central Pennsylvania and northeastern Ohio. Complementary subsidiaries offer insurance (Kish Insurance, Kish Benefits Consulting), wealth management (Kish Financial Solutions), and travel services (Kish Travel).
Product overview
Kish Bancorp is a diversified financial services holding company that operates a platform of interconnected subsidiaries. The core offering is Kish Bank, a commercial bank providing consumer and commercial banking services across 20 locations. Supporting the bank are several specialized sub-brands: Kish Insurance (insurance products), Kish Financial Solutions (specialized financial services), Kish Benefits Consulting (employee benefits advisory), and Kish Travel (travel services). This multi-product structure allows the company to offer comprehensive financial services to individuals and businesses across Pennsylvania and northeastern Ohio.
Differentiator
Problem solved
Functional benefit
Brands
- Kish Bank: Commercial bank subsidiary operating 20 locations serving Centre, Mifflin, Huntingdon, Blair, and Juniata counties in Pennsylvania, as well as northeastern Ohio.
- Kish Insurance
- Kish Financial Solutions
- Kish Benefits Consulting
- Kish Travel
Products and services
- Kish Bank Consumer and Commercial Banking
- Kish Insurance
- Kish Benefits Consulting
Quantifiable outcome
- 34.3% increase in Q3 2025 net income year-over-year
- +3 more outcomes
Companies that use Kish Bancorp
Customer profileSegments5 records
Ideal customer profiles4 records
Kish Bancorp technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Kish Bancorp partnerships and signals
Strategic signalScale indicators7 records
Recent moves6 records
Expansion highlights4 records
Kish Bancorp competitors and assessment
Company assessmentDirect peers
- ACNB Corporation: ACNB Corporation is a Pennsylvania-based community bank holding company of ACNB Bank, operating similarly to Kish Bancorp with consumer/commercial banking and wealth/insurance subsidiaries in south-central PA. Most directly comparable peer given overlapping geography, size, and diversified financial services model.
- CNB Financial Corporation: CNB Financial Corporation operates CNB Bank, a Pennsylvania community bank with consumer, commercial, and wealth management services across central and northern PA. Comparable community banking model with similar diversified financial services orientation.
- Penns Woods Bancorp: Penns Woods Bancorp is a Pennsylvania-based bank holding company for Jersey Shore State Bank and Luzerne Bank, providing community banking and wealth management in central PA. Similar community bank size and service mix to Kish Bancorp.
- Mid Penn Bancorp: Mid Penn Bancorp operates Mid Penn Bank, a Pennsylvania community bank with consumer, commercial, and wealth services throughout central PA. Strong geographic and operational overlap with Kish Bancorp's footprint.
- First Keystone Corporation: First Keystone Corporation is a Pennsylvania bank holding company operating First Keystone Community Bank across northeastern and central PA. Comparable community bank scale, branch-based distribution, and traditional commercial banking model.
- Citizens & Northern Corporation: Citizens & Northern Corporation operates Citizens & Northern Bank, a Pennsylvania community bank serving the Northern Tier and central PA. Similar community bank holding company structure with traditional banking services.
- Franklin Financial Services Corporation: Franklin Financial Services Corporation operates F&M Trust, a Pennsylvania community bank serving south-central PA. Direct comparable in community banking scale, geography, and traditional product set.
Broad incumbents
- S&T Bancorp: S&T Bancorp operates a larger Pennsylvania-based regional bank with consumer, commercial, and wealth management services across western and central PA. Larger scale incumbent serving overlapping central PA geographies.
- Univest Financial Corporation: Univest Financial Corporation operates Univest Bank and Trust Co., a Pennsylvania-based bank with consumer, commercial, and wealth management services across southeastern and central PA. Larger regional bank with overlapping community banking model.
- Tompkins Financial Corporation: Tompkins Financial Corporation is a regional bank holding company with community banking operations across NY and PA, including wealth management. Larger scaled incumbent with comparable diversified financial services platform.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Kish Bancorp social profiles
Digital presenceKish Bancorp financial estimates
Financial estimateRevenue estimate
Valuation estimate
Kish Bancorp leadership team
Management profileNumber of profiles
Profiles13 records
Kish Bancorp subsidiaries and ownership
Company hierarchySubsidiaries6 records
Kish Bancorp funding detail
Funding detailFunding overview
Funding rounds3 records
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Kish Bancorp 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 Kish Bancorp
What does Kish Bancorp do?
Kish Bancorp operates as a diversified financial services holding company. Through its wholly-owned subsidiary Kish Bank, it delivers consumer and commercial banking products—including deposit accounts, personal and commercial loans, mortgages, and cash management—across 20 branches in central Pennsylvania and northeastern Ohio. Complementary subsidiaries offer insurance (Kish Insurance, Kish Benefits Consulting), wealth management (Kish Financial Solutions), and travel services (Kish Travel).
Is Kish Bancorp a public or private company?
Kish Bancorp is a public company. It is classified as public and is currently operating.
When was Kish Bancorp founded?
Kish Bancorp was founded in 1977. It employs 101 to 250 people.
Where is Kish Bancorp based?
Kish Bancorp is headquartered in Belleville, United States, in the North America region.
How does Kish Bancorp make money?
Two revenue lines are on record. Net Interest Income is the primary driver. The others are non-Interest Income.
Who are Kish Bancorp's main competitors?
Direct peers on record are ACNB Corporation, CNB Financial Corporation, Penns Woods Bancorp, Mid Penn Bancorp, First Keystone Corporation, Citizens & Northern Corporation and Franklin Financial Services Corporation. Broad incumbents are S&T Bancorp, Univest Financial Corporation and Tompkins Financial Corporation.
Does Kish Bancorp have an API?
No public API is recorded for Kish Bancorp.