Kish Bank

What Kish Bank does

Kish Bank, operating through its legal entity Kish Bancorp, Inc., is a privately held community bank founded in 1900 and headquartered in Lewistown, Pennsylvania, with the bank celebrating its 125th anniversary in 2025. It is an FDIC-insured, Equal Housing Lender institution serving central Pennsylvania, primarily the Juniata County region, with a distributed branch network, a Client Solutions Center, TeleBanking, and digital banking channels including a web portal and iOS/Android mobile applications.

The bank operates a full-service financial services platform spanning personal banking (checking, savings, CDs, IRAs, HSAs, mortgages, home equity, consumer loans, student lending), business banking (business checking, savings, cash management, merchant services, treasury management, municipal and non-profit accounts), commercial and agricultural lending, personal and commercial insurance, wealth management (financial planning, investment advisory, trust and estate services, retirement income planning), benefits consulting for employer clients, and Signature Vacations travel services. The underlying technology is a conventional digital banking platform provided through CSI Web, with third-party integrations including Investor360 for wealth, FIS Global for trust, CSR24 for insurance, a credit card account portal, and Mainstreet for check ordering.

The business model is a diversified community-bank revenue stack anchored by net interest income from the loan book (mortgages, commercial real estate, agricultural, equipment, consumer), supplemented by transaction fees from deposit services, wire transfers, and merchant processing; licensing/commission revenue from personal and commercial insurance lines; subscription-style fees from wealth management and trust services; and transaction fees from the Signature Vacations travel offering. Customers are segmented vertically across individual consumers/families, SMBs, the agricultural sector, medical and professional practices, government and municipal entities, and non-profit organizations, with distribution through branches, phone, live chat, scheduled appointments, and digital self-service.

Name

Kish Bank

Legal name

Kish Bancorp, Inc.

Website

https://kishbank.com

Company type

Private

Founded year

1900

Operating status

Operating

Headcount range

101–250 employees

Short description

Kish Bank is a privately held, 125-year-old community bank headquartered in Lewistown, Pennsylvania, providing FDIC-insured personal and business banking, lending, insurance, wealth management, and travel services to consumers, small and medium businesses, agricultural operators, professional practices, municipalities, and non-profits across central Pennsylvania.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Depository Credit Intermediation (5221), Portfolio Management and Investment Advice (523940)

SIC

State Commercial Banks (6022)

akta.pro primary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

akta.pro secondary industry

Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)

Keywords

• Community banking services
• Personal and business loans
• Wealth management services
• Commercial insurance products
• Deposit account services

Headquarters

HQ city

Mifflin

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Net Interest Income: Interest earned on loans (mortgages, commercial loans, personal loans, agricultural loans) minus interest paid on deposits. Core revenue driver for the community bank.
2. Non-Interest Income - Banking Services: Fees from deposit account services, wire transfers, business checking accounts, digital banking services, merchant services, and treasury management.
3. Insurance Commissions: Commissions earned from personal and commercial insurance products including auto, home, business, farm, workers compensation, and other lines.
4. Wealth Management Fees: Fees from financial planning, investment advisory services, trust services, and estate administration.
5. Travel Services: Revenue from Signature Vacations travel services including booking commissions and service fees.

Go-to-market motion1 record

Distribution channels5 records

Marketing channels4 records

Core offering

Kish Bank is an FDIC-insured community bank (operating as Kish Bancorp, Inc.) offering deposit products, consumer and commercial lending, personal and commercial insurance, wealth management, employee benefits consulting, business financial solutions, and travel services. It distributes these offerings through a hybrid model combining multiple branches across central Pennsylvania with a digital banking platform, mobile apps, phone support, and live chat. The bank serves individuals, families, small-to-medium businesses, agricultural operations, professional practices, municipalities, and non-profit organizations.

Product overview

Kish Bank operates as a community bank offering a comprehensive suite of financial services through a platform-plus-modules architecture. The core banking products include Personal Banking (checking, savings, CDs, IRAs, Health Savings Accounts) and Business Banking (business checking, savings, cash management) as add-on modules to deposit accounts. Lending products span Personal Loans & Credit (mortgages, home equity, personal loans, student loans) and Business Loans & Credit (agricultural, commercial real estate, equipment, lines of credit). The bank provides Insurance services for both personal (auto, home, umbrella) and commercial lines (property, liability, workers comp). Wealth Management services include financial planning, investment advisory, trust and estate services. The Digital Banking platform with mobile app serves as a technology module enabling access to all services. Additional modules include Travel Services, Benefits Consulting, and Business Financial Solutions.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Banking Personal deposit account services including Easy Checking, Expect More Checking, Green Checking, Sunrise Checking, Certificates of Deposit, Digital Money Market Account, Health Savings Account, IRAs, and Savings Accounts for individual consumers.
• Personal Loans & Credit Consumer lending products including mortgages (adjustable rate, fixed rate, construction, cash-out refinance, lot loans), home equity loans, personal loans, student loans, and lines of credit for individual consumers.
• Personal Insurance Personal lines insurance including auto, homeowners, renters, flood, umbrella, motorcycle, boat, RV, farm, and dwelling fire coverage for individual customers and families.
• Wealth Management Comprehensive wealth management services including financial planning, investment advisory, retirement income planning, risk management, wealth transfer, trust and estate administration, and investment management for individuals and families.
• Travel Services Travel planning and vacation services including Signature Vacations package tours and travel resources offered to personal banking customers.
• Business Banking Business deposit and cash management services including business checking (with and without interest), IOLTA checking, non-profit checking, state & municipal checking, business savings, business CDs, business money market accounts, cash management, municipal advantage accounts, merchant services, payroll and payment services for commercial and organizational customers.
• Business Loans & Credit Commercial lending products including agricultural loans, business lines of credit, commercial real estate loans, equipment and term loans, letters of credit, professional loans, and special credit services for businesses.
• Commercial Insurance Business insurance products including commercial property, general liability, commercial auto, workers compensation, bonding, professional liability, trucking, religious organization, and farm/agriculture coverage.
• Business Financial Solutions Business financial planning services including retirement solutions, executive compensation planning, employee education programs, and business succession and protection planning for business clients.
• Benefits Consulting Employee benefits consulting services including plan administration, enrollment support, specialty services, and carrier information for employer clients.

Segments6 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Scale indicators1 record

Recent moves4 records

Expansion highlights5 records

Direct peers

• Tompkins Financial Corporation: Northeast US-focused community bank holding company offering banking, insurance, and wealth management. Comparable on multi-service community banking model and vertical specialization, though operating in adjacent (rather than overlapping) PA geography.
• Univest Corporation: PA-headquartered community bank holding company (Univest Bank) providing commercial, retail, and wealth management services across southeastern and central Pennsylvania. Comparable as a multi-service, relationship-driven community bank with comparable product breadth.
• S&T Bank: Pennsylvania-headquartered community bank of comparable scale offering consumer and commercial banking across central and western PA. Highly comparable on geography, customer mix (SMBs and consumers), and full-service platform including wealth management.
• CNB Financial Corporation: Pennsylvania-based community bank holding company (CNB Bank) with consumer, commercial, and wealth services across north-central PA. Directly comparable on regional community banking focus, relationship-driven commercial lending, and full-service offering.
• ACNB Corporation: PA-based community bank holding company (ACNB Bank) serving south-central Pennsylvania with similar consumer, small business, and agricultural lending focus. Closely comparable independent, multi-branch community franchise with a community banking charter.
• F&M Trust: Franklin & Marshall-headquartered PA community bank serving south-central Pennsylvania with consumer, business, and wealth services. Direct competitor in the central PA market with comparable community banking model and customer segments.

Regional players

• Citizens Financial Services (First Citizens Community Bank): Pennsylvania/Northeast community bank providing consumer and commercial banking with comparable multi-branch community model and agricultural lending exposure. Relevant as a similar-scale independent community bank peer with partial geographic overlap.

Broad incumbents

• FNB Corporation (First National Bank of Pennsylvania): Larger PA-based community/regional bank with extensive branch network across central Pennsylvania. Overlaps directly with Kish in consumer, small business, and commercial banking but operates at materially larger scale across multiple states.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/kishbank
• LinkedInlinkedin.com/company/kish-bank
• Instagraminstagram.com/kishbank

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Kish Bank