BlastPoint's Banking Scorecard
First Keystone Community Bank
Designations: ✓ Community bank
Berwick, PA
19 branches across PA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 37 in PA.
- Deposits +11.7% year over year ($1.2B on the books).
- Delinquency rate 2.13%.
- Return on assets 0.81%.
- Efficiency ratio 73.19% vs a 59.73% peer average.
- Loan-to-deposit ratio 79.42% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Keystone Community Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.07% below tier average
- - Delinquency Rate 1.27% above tier average
- - ROA 0.58% below tier average
- - Efficiency Ratio 13.47% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+9.5% YoY
+3.3% QoQ
|
-$1.2B |
$2.8B
-0.6% YoY
|
$3.1B
+7.3% YoY
|
$6.3B
+7.7% YoY
|
37% |
| Total Loans ? |
$941.6M
-1.1% YoY
+1.9% QoQ
|
-$1.0B |
$2.0B
-0.3% YoY
|
$2.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
29% |
| Total Deposits ? |
$1.2B
+11.7% YoY
+4.4% QoQ
|
-$1.1B |
$2.3B
-0.5% YoY
|
$2.6B
+7.1% YoY
|
$4.9B
+7.3% YoY
|
29% |
| Return on Assets ? |
0.81%
+30.0% YoY
+37.9% QoQ
|
-0.58% |
1.39%
+17.0% YoY
|
1.63%
+26.6% YoY
|
1.30%
+12.1% YoY
|
19% |
| Net Interest Margin ? |
2.80%
+0.0% YoY
+5.0% QoQ
|
-1.07% |
3.87%
+6.2% YoY
|
3.40%
+8.7% YoY
|
3.95%
+4.9% YoY
|
Bottom 8.9% in tier |
| Efficiency Ratio ? |
73.19%
-2.5% YoY
-9.1% QoQ
|
+13.47% |
59.73%
-12.6% YoY
|
66.68%
-6.6% YoY
|
70.05%
+2.5% YoY
|
16% |
| Delinquency Rate ? |
2.13%
+333.1% YoY
+16.7% QoQ
|
+1.27% |
0.87%
+11.7% YoY
|
0.92%
+32.0% YoY
|
0.98%
+16.3% YoY
|
Bottom 7.8% in tier |
| Loan-to-Deposit Ratio ? |
79.42%
-11.4% YoY
-2.3% QoQ
|
-5.62% |
85.04%
-0.1% YoY
|
84.75%
+0.9% YoY
|
79.03%
+2.3% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
19.55%
+1.8% YoY
+1.9% QoQ
|
-1.72% |
21.27%
-1.5% YoY
|
18.04%
+1.4% YoY
|
21.98%
-0.6% YoY
|
49% |
| Nonperforming Asset Ratio ? |
1.28%
+291.1% YoY
+15.1% QoQ
|
+0.60% |
0.67%
+11.7% YoY
|
0.67%
+21.3% YoY
|
0.69%
+15.8% YoY
|
Bottom 14.0% in tier |
| Tier 1 Capital Ratio ? |
15.34%
+2.6% YoY
+1.8% QoQ
|
+0.50% |
14.84%
-0.4% YoY
|
19.93%
+0.1% YoY
|
17.09%
+0.8% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.21%
-12.0% YoY
+100.7% QoQ
|
-0.31% |
0.53%
+2.5% YoY
|
1.47%
+21.0% YoY
|
0.66%
+5.2% YoY
|
34% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
19.6%
+0.4pp YoY +0.4pp QoQ |
-1.8pp | 21.4% | 18.7% | 22.2% | 49% |
| Brokered Deposits |
5.8%
-3.5pp YoY -0.3pp QoQ |
-3.6pp | 9.5% | 6.8% | 8.5% | 53% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.3%
+0.4pp YoY +0.1pp QoQ |
-6.7pp | 14.0% | 8.6% | 12.5% | 29% |
| CRE |
54.5%
-1.9pp YoY -1.8pp QoQ |
+4.5pp | 50.0% | 37.9% | 41.4% | 63% |
| 1-4 Family |
35.0%
+1.0pp YoY +0.8pp QoQ |
+8.6pp | 26.4% | 47.8% | 31.3% | 75% |
| Consumer |
0.5%
-0.2pp YoY 0.0pp QoQ |
-4.2pp | 4.7% | 3.8% | 5.0% | 31% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.3%
+0.4pp YoY +0.3pp QoQ |
-0.3pp | 15.6% | 22.3% | 19.7% | 73% |
| Leverage Ratio |
9.7%
-0.6pp YoY 0.0pp QoQ |
-1.6pp | 11.3% | 13.2% | 12.6% | 28% |
| Total Capital Ratio |
16.2%
+0.5pp YoY +0.2pp QoQ |
-0.5pp | 16.7% | 23.3% | 20.8% | 70% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
198
-6 (-2.9%) YoY -6 (-2.9%) QoQ |
-116 | 313 | 299 | 482 | 41% |
| Assets per Employee ($) |
$7.9M
+12.8% YoY +6.5% QoQ |
-$2.5M | $10.5M | $9.2M | $8.8M | 39% |
| Branch Count |
19
0 YoY 0 QoQ |
-1 | 20 | 20 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
0.0pp YoY |
-0.1pp | 0.2% | 0.2% | 0.4% | 72% |
| Nonaccrual |
2.1%
+1.6pp YoY +0.2pp QoQ |
+1.2pp | 0.8% | 0.9% | 1.0% | 93% |
| Allowance Coverage |
0.44x
-73.6% YoY -18.3% QoQ |
-18.27x | 18.71x | 3.63x | 20.23x | 5% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 6% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.4%
+2.3pp YoY +2.6pp QoQ |
-3.2pp | 12.6% | 10.2% | 11.6% | 28% |
| Cost of Funds (YTD) |
2.6%
-0.1pp YoY -0.1pp QoQ |
+0.7pp | 1.9% | 1.8% | 1.7% | 87% |
| Net Income ($, YTD) |
$6.3M
+39.9% YoY — QoQ |
-$13.0M | $19.2M | $18.2M | $40.4M | 18% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.