First Keystone Cmty Bank: Bank Stress & Real-Estate Credit Exposure

Bank stress at First Keystone Cmty Bank (FDIC Cert #7404) registers 79/100 on DLRadar's scale — a severe reading. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

What separates this from a plain credit rating is the geographic weighting — First Keystone Cmty Bank's 79/100 reading reflects not just its balance sheet but the 5 counties it lends into, so the score doubles as a map of where its stress will land first. Because First Keystone Cmty Bank is publicly traded (FKYS) under First Keystone Corp, its financials are open to scrutiny and its trend can be independently checked. Its lending reaches counties such as Luzerne County, PA, Monroe County, PA, Northampton County, PA, Columbia County, PA, each tied back to DLRadar's distress signals. No bank is too small to score the same way: First Keystone Cmty Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 5-county, 129-ZIP profile means exactly what it would for any institution nationwide. The value is in the linkage: First Keystone Cmty Bank's severe reading is mapped onto 129 ZIP codes and 5 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. The recent trend is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. Read against its 5-county reach, a severe score sets the credit tone for every market on its map. DLRadar maps First Keystone Cmty Bank into 5 counties (129 ZIP codes) across 1 states — a compact, single-state lending base. Its heaviest exposure sits in Pennsylvania (5 counties).

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When First Keystone Cmty Bank tightens in a county it footprints, refinances stall, construction lending pulls back, and owners who cannot roll their debt slide toward delinquency, foreclosure and forced sale. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

Across the country DLRadar applies the identical model to every FDIC bank, then ties each institution to parcel-level foreclosure, lien and ownership data where it lends. The result is an early, auditable read on supply, every figure anchored to public data.