BlastPoint's Banking Scorecard
First Keystone Community Bank
Designations: ✓ Community bank
Berwick, PA
19 branches across PA
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
- - Efficiency Drag: Bottom 37.8% in tier
- - Net Interest Margin 1.15% below tier average
- - ROA 0.78% below tier average
- - Delinquency Rate 0.94% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
+6.1% YoY
-0.5% QoQ
|
-$1.3B |
$2.8B
-0.1% YoY
|
$3.1B
+7.0% YoY
|
$6.2B
+9.1% YoY
|
35% |
| Total Loans ? |
$923.6M
-3.4% YoY
-1.6% QoQ
|
-$1.0B |
$2.0B
+0.6% YoY
|
$2.2B
+7.7% YoY
|
$3.2B
+10.8% YoY
|
27% |
| Total Deposits ? |
$1.1B
+8.2% YoY
-0.5% QoQ
|
-$1.2B |
$2.3B
-0.3% YoY
|
$2.6B
+7.1% YoY
|
$4.8B
+8.2% YoY
|
26% |
| Return on Assets ? |
0.59%
+52.2% YoY
+26.0% QoQ
|
-0.78% |
1.37%
+19.6% YoY
|
1.46%
+26.2% YoY
|
1.23%
+13.4% YoY
|
Bottom 11.9% in tier |
| Net Interest Margin ? |
2.67%
-1.1% YoY
-4.1% QoQ
|
-1.15% |
3.82%
+6.9% YoY
|
3.32%
+8.7% YoY
|
3.89%
+5.7% YoY
|
Bottom 7.5% in tier |
| Efficiency Ratio ? |
80.53%
+2.0% YoY
+9.5% QoQ
|
+19.47% |
61.06%
-4.6% YoY
|
69.09%
-7.7% YoY
|
66.95%
-4.1% YoY
|
Bottom 7.9% in tier |
| Delinquency Rate ? |
1.83%
+194.8% YoY
+2.4% QoQ
|
+0.94% |
0.89%
+14.1% YoY
|
0.92%
+20.5% YoY
|
0.95%
+18.8% YoY
|
Bottom 10.7% in tier |
| Loan-to-Deposit Ratio ? |
81.31%
-10.7% YoY
-1.1% QoQ
|
-2.89% |
84.20%
+0.3% YoY
|
83.35%
-0.2% YoY
|
76.70%
+0.9% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
19.20%
-3.9% YoY
+5.6% QoQ
|
-2.09% |
21.29%
-2.5% YoY
|
17.71%
-0.1% YoY
|
22.01%
-1.2% YoY
|
47% |
| Nonperforming Asset Ratio ? |
1.11%
+168.3% YoY
+1.1% QoQ
|
+0.44% |
0.67%
+15.6% YoY
|
0.67%
+14.7% YoY
|
0.67%
+19.3% YoY
|
18% |
| Tier 1 Capital Ratio ? |
15.08%
+2.8% YoY
-0.6% QoQ
|
-0.08% |
15.16%
+2.0% YoY
|
20.10%
+0.3% YoY
|
17.06%
+0.8% YoY
|
73% |
| Non-Interest Income / Assets ? |
0.11%
-15.8% YoY
-76.6% QoQ
|
-0.15% |
0.26%
+1.6% YoY
|
0.69%
+18.0% YoY
|
0.32%
+4.1% YoY
|
35% |
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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 (1)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.