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First Keystone Corporation: Business Overview, Financials & Competitive Analysis

First Keystone Corporation, headquartered in Berwick, Pennsylvania, is a regional bank holding company with 201-500 employees operating through First Keystone Community Bank, a subsidiary that has been independently o...

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First Keystone Corporation OverviewStrategic ProfileCompetitive LandscapeIndustry ContextKey facts
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6/ 10Solid

Cyborg Score thesis

Modest but consistent regional bank generating steady returns through traditional community banking in Northeast Pennsylvania...

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Industry Regional Community Banking
3 named competitors
3 recent developments
11 analyst dimensions
Synthesized from analyst-debate stress-testing across 11 dimensions and hundreds of data points. Methodology →
Cyborg Score recalibrated: July 13, 2026
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First Keystone Corporation Overview

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First Keystone Corporation, headquartered in Berwick, Pennsylvania, is a regional bank holding company with 201-500 employees operating through First Keystone Community Bank, a subsidiary that has been independently owned and operated since 1864. The bank operates 19 full-service offices throughout Columbia, Luzerne, Monroe, Montour and Northampton Counties.

Strategic Profile

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First Keystone Community Bank offers consumer products including checking, savings, money market, certificates of deposit, personal loans, mortgages, and home equity loans, along with Trust & Financial Planning services and commercial banking products for business customers. The company reported increased total interest income in 2024 due to higher interest rates, growth in commercial real estate loans, and purchases of higher-yielding securities.

Competitive Landscape

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First Keystone competes primarily with other regional Pennsylvania banks and national institutions in its Northeast Pennsylvania footprint. As a small OTC-listed bank with assets concentrated in its five-county operating region, it faces competition from larger regional banks like FNBPA (First National Community Bancorp) and ESB (ESB Financial Corp) as well as national banks and fintech lenders.

Industry Context

First Keystone Corporation operates in Regional Community Banking.

Key facts

Founded: 1864 · Headquarters: Berwick, Pennsylvania · Employees: 201-500

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The top findings that survived the multi-agent debate for First Keystone Corporation.

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Recent developments

Material events tracked by the AskCyborg corpus.

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Named competitors

Pulled from the analyst-debate framework. Click any competitor to see their Cyborg Score.

Mid Penn BankRegional Pennsylvania bank competitor with broader geographic footprint→Wayne BankCommunity bank operating in Northeast Pennsylvania and surrounding regions→First National Bank of PalmertonRegional Pennsylvania community bank competitor→

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Industry context

First Keystone Corporation operates in Regional Community Banking. See how the rest of the sector scores on the Cyborg framework.

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Frequently asked questions

What does First Keystone Corporation do?+
First Keystone Corporation, headquartered in Berwick, Pennsylvania, is a regional bank holding company with 201-500 employees operating through First Keystone Community Bank, a subsidiary that has been independently o...
What is First Keystone Corporation's Cyborg Score?+
First Keystone Corporation has a Cyborg Score of 6/10 (Solid). The score synthesizes business model, financials, leadership, competitive position, technology, marketing, and ESG dimensions across hundreds of data points.
Who are First Keystone Corporation's main competitors?+
Named competitors include Mid Penn Bank, Wayne Bank, First National Bank of Palmerton. The full competitive landscape is in the AskCyborg report.
How can I get the full First Keystone Corporation research report?+
Get the report plus analyst-debate audio at askcyborg.com -- no credit card required for preview access. Pro adds saved-company audio playlists and monitoring.
How current is the First Keystone Corporation research?+
The Cyborg Score is recalibrated weekly. Recent developments are tracked continuously and surfaced in every report.

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