First Keystone Corp
fkyscorp.comWhat Do They Do?
Takes deposits, makes loans, and provides trust services to individuals, businesses, and public and institutional customers.
10-K for FY2025, filed Mar 30, 2026
How Do They Make Money?
Earns interest on loans and securities, while paying interest on deposits and borrowings; it also collects deposit fees when services are provided and trust fees monthly based on average trust-asset values.
10-K for FY2025, filed Mar 30, 2026The major source of operating income for the Corporation is net interest income. Net interest income is the difference between interest…View ↗
Service charges and fees on deposits, which are included as liabilities in the consolidated balance sheets, consist of fees related to…View ↗
Wealth management services are delivered to individuals, corporations and retirement funds located primarily within the Corporation’s…View ↗
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10-K for FY2025, filed Mar 30, 2026
FY2025 revenue by product or service (Non-interest customer contract revenue) ↗
$77.2M
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10-K for FY2025, filed Mar 30, 2026
$77.2M ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
Trust department
Recurring
10-K for FY2025, filed Mar 30, 2026 |
31% |
Trust department, FY2025
$1.1M Sources
|
Recurring |
|
Service charges and fees
|
69% |
Service charges and fees, FY2025
$2.4M Sources
|
Who Are Their Customers?
Serves individuals, businesses, government, and public and institutional customers, mainly in its Pennsylvania market area, through branches, ATMs, and online banking.
10-K for FY2025, filed Mar 30, 2026
Do Revenues Turn Into Profits?
Yes. It kept 8 cents of every revenue dollar as net income in FY2025 and turned 14 cents into free cash flow.
How Are They Changing?
10-Q for Q2 FY2026, filed Aug 6, 2026
Open tableView ↗
Growing. Revenue grew 84% in 4 years, from $42M in FY2021 to $77.2M in FY2025, about 16% a year.
Who Do They Compete With?
Competes with AgChoice Farm Credit, FNCB Bank, Susquehanna Community Bank, Citizens Bank, Fulton Bank, Wayne Bank, Community Bank, The Honesdale National Bank, CNB Bank, Journey Bank, The Dime Bank, M & T Bank, Embassy Bank for the Lehigh Valley, Members 1st Federal Credit Union, Fidelity Deposit and Discount Bank, NBT Bank, First National Bank of PA, Northwest Bank, Peoples Security Bank & Trust, and First Northern Bank & Trust
10-K for FY2025, filed Mar 30, 2026· AgChoice Farm Credit, ACAView ↗
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