First Keystone Cmty Bank (FDIC #7404): Bank Stress & Real-Estate Credit Exposure

First Keystone Cmty Bank (FDIC Cert #7404): bank stress 79/100, severe, STABLE over 7 days; parent FIRST KEYSTONE CORP (FKYS).

First Keystone Cmty Bank (#7404) lends in 5 counties across 1 state; First Keystone Cmty Bank (#7404) reaches 129 ZIP codes: Pennsylvania 5 counties, 129 ZIPs.

First Keystone Cmty Bank (#7404) largest markets: Luzerne County, PA (408 branches, 51 ZIPs) (#7404), Monroe County, PA (140 branches, 35 ZIPs) (#7404), Northampton County, PA (26 branches, 26 ZIPs) (#7404), Columbia County, PA (100 branches, 20 ZIPs) (#7404), Montour County, PA (10 branches, 10 ZIPs) (#7404).

First Keystone Cmty Bank (#7404) reports $1.57 billion in total assets; First Keystone Cmty Bank (#7404) equity $136.3 million (8.7% of First Keystone Cmty Bank (#7404) assets); First Keystone Cmty Bank (#7404) domestic deposits $1.19 billion; First Keystone Cmty Bank (#7404) net income $6.3 million; First Keystone Cmty Bank (#7404) return on assets 0.81%; First Keystone Cmty Bank (#7404) return on equity 9.40%; First Keystone Cmty Bank (#7404) net interest income $20.4 million; First Keystone Cmty Bank (#7404) call report June 30, 2026.

First Keystone Cmty Bank (#7404) noncurrent real-estate loans: none reported; First Keystone Cmty Bank (#7404) net charge-offs on real estate 2.37%; First Keystone Cmty Bank (#7404) multifamily charge-offs 2.52%; First Keystone Cmty Bank (#7404) residential charge-offs 3.95%.

First Keystone Cmty Bank (#7404) net interest margin 2.80% against an eight-quarter First Keystone Cmty Bank (#7404) average of 2.69% (First Keystone Cmty Bank (#7404) compression -0.11 points); First Keystone Cmty Bank (#7404) non-residential real estate 395.5% of equity; First Keystone Cmty Bank (#7404) rate-exposure score 40/100, First Keystone Cmty Bank (#7404) fixed-rate trap 40/100; First Keystone Cmty Bank (#7404) risk type credit driven; First Keystone Cmty Bank (#7404) rate regime rates elevated; First Keystone Cmty Bank (#7404) shares 3.6% below the 52-week high, First Keystone Cmty Bank (#7404) equity trend stable, First Keystone Cmty Bank (#7404) snapshot October 20, 2026.

First Keystone Cmty Bank (#7404) stress score moved from 81.7 on June 22, 2026 to 79 on October 20, 2026; First Keystone Cmty Bank (#7404) ranged 79 to 81.7 over 117 snapshots.

First Keystone Cmty Bank (#7404) alerts: 5 counties; top First Keystone Cmty Bank (#7404) alert scores: Bethlehem County, PA 26 (low); Danville County, PA 26 (low); Mifflinville County, PA 26 (low); Swiftwater County, PA 26 (low); Wilkes Barre County, PA 26 (low).