First Keystone Community Bank: how it compares with its peers
Against 32 PA banks with half to twice its assets, First Keystone Community Bank's strongest measure in Q2 2026 is assets per employee ($7.9M vs. a $7.9M peer median). Its weakest relative measure is net interest margin (2.80% vs. 3.60%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.81% | 1.16% | Bottom third Ahead of 22% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.80% | 3.60% | Bottom third Ahead of 13% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 73.19% | 60.18% | Bottom third Ahead of 16% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.9M | $7.9M | Middle third Ahead of 53% of peers |
| Loans to deposits Net loans and leases over total deposits. | 79.42% | 85.37% | Context |
What it means for lending operations
Its efficiency ratio of 73.19% is above the 60.18% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- 1st Summit Bank Johnstown, PA · $1.52B
- Community Bank Carmichaels, PA · $1.66B
- Journey Bank Bloomsburg, PA · $1.67B
- Ameriserv Financial Bank Johnstown, PA · $1.46B
- Marquette Savings Bank Erie, PA · $1.44B
- Washington Financial Bank Washington, PA · $1.44B
Questions about First Keystone Community Bank
How big is First Keystone Community Bank?
First Keystone Community Bank, established in 1864, is headquartered in Berwick, PA. It reported $1.57B in total assets in its Q2 2026 FDIC call report and operates 19 offices.
What is First Keystone Community Bank's return on assets?
0.81% annualized in Q2 2026, against a 1.16% median for 32 PA banks with half to twice its assets, ahead of 22% of them.
What is First Keystone Community Bank's efficiency ratio?
73.19% in Q2 2026: it spent about 73 cents in noninterest expense for each dollar of revenue. The peer median is 60.18%, and lower is better.
Is First Keystone Community Bank growing its loans?
Net loans shrank 1.1% over the year to Q2 2026, while deposits grew 11.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are PA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Pennsylvania bank ranked.