First Keystone Corporation Annual Report 2021

← All annual reports

FY2021 Annual Report · First Keystone Corporation

Loading PDF…

FIRST
FIRST
KEYSTONE
KEYSTONE
CORPORATION
CORPORATION
ﬁrstkeystonecorp.fkc.bank

ﬁrstkeystonecorp.fkc.bank

FINANCIAL HIGHLIGHTS

(Dollars in thousands, except per share data)

2021

2020

2019

2018

2017

SUMMARY OF OPERATIONS

Interest income

Interest expense

Net interest income

Provision for loan losses

Net income

PER COMMON SHARE DATA

Net income

Dividends

BALANCE SHEET DATA

Total assets

Total securities

Net loans

Total deposits

Total stockholders’ equity

PERFORMANCE RATIOS

Return on average assets

Return on average equity

Dividend payout

Average equity to average assets

$42,048

$ 39,567

$ 38,527

$ 35,573

$ 32,268

5,148

36,900

860

14,688

$2.49

1.12

6,360

33,207

1,200

11,837

$ 2.03

1.08

10,243

28,284

450

10,227

$ 1.77

1.08

8,620

26,953

200

9,211

$ 1.60

1.08

6,548

25,720

267

8,648

$ 1.52

1.08

$1,320,350

$1,179,047

$1,007,226

$1,012,000

$990,121

439,878

368,357

279,861

317,614

744,161

712,677

640,727

599,647

1,077,969

937,488

148,555

144,242

761,628

128,752

671,553

116,756

1.15%

9.93%

45.05%

11.57%

1.09%

8.61%

53.29%

12.72%

1.02%

8.17%

61.08%

12.42%

0.92%

8.05%

67.26%

11.39%

Dollars in thousands

350,218

551,910

778,146

116,719

0.86%

7.54%

71.05%

11.45%

LOANS

# OF NEW LOANS

2020

2021

1,533

1,288

DEPOSITS

2020

2021

# OF NEW CORE DEPOSITS

3,681

4,354

TOTAL NEW LOANS

$210,927

$222,517

TOTAL NEW CORE DEPOSITS

$50,497

$176,605

2021 LOAN PORTFOLIO BREAKDOWN

2021 DEPOSIT BREAKDOWN

79%

COMMERCIAL

MORTGAGES
SBA (PPP)

14% 5%

84%

HOME EQUITY

CONSUMER & OTHER

CORE DEPOSITS
(CHECKING, SAVINGS
& MONEY MARKETS)

16%

TIME DEPOSITS
(CERTIFICATES
OF DEPOSIT)

NET INCOME

2020

2021

PERFORMANCE

PER SHARE

$2.03

$2.49

RETURN ON ASSETS

2020

1.09%

2021

1.15%

ANNUAL INCREASE

15.7%

24.1%

RETURN ON EQUITY

8.61%

9.93%

How we generated
$49,371 in income:

66%
$32,860

INCOME STATEMENT
IN GRAPHIC FORM

MAJOR COMPONENTS
OF OTHER INCOME

S
N
A
O
L
N
O
E
M
O
C
N

19%
$9,188

S
E
I
T
I
R
U
C
E
S

E
M
O
C
N

15%
$7,323

E
M
O
C
N

R
E
H
T
O

ATM FEES & DEBIT CARD INCOME

$1,849

$2,183

2020

2021

TRUST DEPARTMENT

$995

$1,008

GAINS ON SALES OF MORTGAGE LOANS

$604

$980

Dollars in thousands

How we used our $49,371 in income:

30% 29%

$14,688

$14,148

17%

$8,531

D
A
E
H
R
E
V
O
R
E
H
T
O

S
E
E
Y
O
L
P
M
E

T
I
F
O
R
P

7%
$3,675
T
N
E
M
P
I
U
Q
E
&

S
G
N
D
L
I
U
B

S
R
E
T
U
P
M
O
C

6%
$3,144

S
R
O
T
I
S
O
P
E
D

O
T
D
A
P

5%
$2,321
E
S
N
E
P
X
E

E
M
O
C
N

X
A
T

4%
$2,004

G
N
W
O
R
R
O
B

S
T
S
O
C

2%
$860

S
N
O
I
S
I
V
O
R
P

N
A
O
L
R
O
F

S
E
S
S
O
L

Dollars in thousands

TO OUR SHAREHOLDERS

Making Connections and Corporate Culture
As we reflect on 2021, I’m happy to share with you that we held true to our financial objectives
of increasing revenue from core operating functions while increasing productivity. I am pleased
to report the financial progress we made in 2021.
Financial Highlights:
For the fiscal year ended December 31, 2021, First Keystone Corporation reported earnings of
$14,688,000, as compared to $11,837,000 for 2020, an increase of $2,851,000 or 24.1%. Net
income per share increased to $2.49 in 2021 as compared to $2.03 in 2020. Annual dividends
per share increased to $1.12 in 2021 as compared to $1.08 in 2020. The increase in net income in
2021 was primarily due to increases in net interest income, mainly due to an increase in interest
and fees on loans, increased income on securities and a decline in interest paid on deposits.
Interest income for 2021 was $42,048,000, an increase of $2,481,000 or 6.3% as compared to
$39,567,000 in 2020. Interest income was higher in 2021 due to a $1,577,000 increase in interest
earned on Commercial Real Estate loans and a $934,000 increase in Small Business Administration
fees. At December 31, 2021 total loans were $752,841,000, an increase of $32,231,000 or 4.5%.
Loan growth was centered in commercial real estate loans. The securities portfolio increased
in 2021 to $437,916,000 due to increases in asset-backed securities, taxable and tax-exempt
municipals, and corporate securities including purchased subordinated debt. We will continue
our emphasis on organic market loan growth in 2022 as a primary driver of net interest income.
Decreased interest rates in the latter part of 2020 and into 2021 resulted in lower interest
expense for the Corporation in 2021. Total deposits increased by $140,481,000 or 15.0% in 2021
as compared to 2020. Interest bearing deposits increased by $89,940,000 or 12.2%. During
2020, the Federal Reserve decreased the federal-funds rate by 1.5%, resulting in a target range
of 0.00% - 0.25% at year-end. The federal-funds rate remained throughout 2021 at the target
range of 0.00%-0.25%. The Corporation is actively monitoring and restructuring its portfolios
for various scenarios such as a rates-up environment and strategies for continued core deposit
growth.
Non-interest income, excluding net securities gains, increased by $930,000 or 15.3% for the
year ended December 31, 2021, as compared to the same period in 2020. Trust Department
income increased $13,000 to a record $1,008,000 due to new account openings and higher fees
earned on certain types of accounts due to increased market values. ATM and debit card income
increased by $334,000, mainly due to increased transaction volumes. Gains on sales of mortgage
loans provided income of $980,000 in 2021 as compared to $604,000 in 2020, an increase of
$376,000. Non-interest expense amounted to $26,354,000, an increase of $1,749,000, or 7.1% in
2021. Expenses associated with employees (salaries and employee benefits) continue to be the
largest non-interest expenditure. The increase in 2021 was mainly due to increases in employee
profit sharing, training and salaries expenses offset by a decrease in healthcare overhead.
Income tax expense was $2,321,000 for 2021 as compared to $1,577,000 for 2020, making the
effective tax rate 13.6% in 2021 as compared to 11.8% in 2020. The increase in the effective tax
rate for 2021 was due to higher overall operating income. To manage our effective tax rate in
2022, the Corporation holds portfolios of tax-exempt bonds and tax-free loans and receives tax
credits from investments in low-income housing partnerships.
Total assets increased to $1,320,350,000 in 2021 from $1,179,047,000 in 2020. As noted above,
total loans increased 4.5% with much of the growth in commercial real estate loans. Stockholders’
Equity at year-end 2021 grew to $148,555,000. Our financial condition remains strong as

evidenced by a total risk-based capital ratio of 16.57% and a tier 1 leverage capital ratio of 10.14%
at year-end 2021. These key ratios are well above that which federal regulators require for a
financial institution to be “well capitalized”. Additional details and related financial information
may be found in the Management’s Discussion and Analysis and Financial Statements and notes
sections of the 2021 Form 10-K.
In addition to our financial progress, we remain committed to connecting with each other and
building a culture that benefits our employees, customers, communities, and shareholders.
Toward that goal, I am happy to announce that during 2021, our employees donated $13,947 of
their own funds toward our Denim Days projects. Employees donated money every Friday and
in turn they wore denim to work that day. The Denim Days funds were donated to non-profit
agencies including food banks and Salvation Armies throughout our markets. In addition to
Denim Days, we provided support for school children in each of our market areas through our
“CONNECT for Wellness” initiative. Our employees collected, donated, and distributed hygiene
products to ten non-profit agencies in our markets focused on supporting children of all ages.
Our donations were certainly welcomed and appreciated by the agencies and the kids.
We are proud to announce several of our employees were recognized by PA Bankers Association
and awarded the Future Under 40 Award for being future leaders in our industry. Please see our
back cover for an introduction to these very talented individuals!
As we look forward in 2022, it is with mixed emotions that on February 15, 2022, we announced
the retirement of Mr. Robert E. Bull as a Director of First Keystone Community Bank and First
Keystone Corporation, effective April 1, 2022. Mr. Bull has served on the Bank’s Board of Directors
for 66 years and as Chairman of the Board for 36 years. He is and will always be immensely
respected by not only his fellow Board members, but anyone affiliated with FKCB in any capacity
as employee, customer, or shareholder. While we are saddened to see him leave the Board, we
are happy for him and send our wishes for the best of health and happiness in his retirement. Mr.
Bull has been elected Director Emeritus.
In connection with the vacancies on both Boards created by Mr. Bull’s retirement, the Directors
have voted to elect Whitney B. Holloway as a Director of the Corporation and the Bank, filling
Mr. Bull’s unexpired term. She will serve as a director until the 2022 annual meeting of the
shareholders, at which time her name will be on the ballot for re-election. For more information,
please see the 8-K filed February 15, 2022, which can be found in the Investor Relations section
of our website.
As always, we thank and recognize all our employees, officers, and board members for their
continued outstanding efforts. We also sincerely thank you for your unwavering support and
confidence.

Elaine A. Woodland

President and Chief Executive Officer

PERSONAL RETIREMENT STATEMENT
BY ROBERT E. BULL, CHAIRMAN
EMERITUS AND DIRECTOR EMERITUS

“Time goes quickly when life is going good.” I am sure all of you have heard that saying. I am
a witness to its truth. Life has been good to me.

One day in 1956, as a young lawyer, I was in the Bank known at that time as the First National
Bank of Berwick, PA. George Garrison, known to all in and out of the Bank as “Uncle George”,
was in his office on the first floor. He always stated that he wanted to personally see the
action on the floor and all of the people. He saw me, came out, and asked me to stop in his
office. And so I did. He was very friendly, asked me a few questions, and then said bluntly
to me, “Do you want to be a Director of the Bank?” It was an offer I could not refuse. I was
honored and overjoyed to say “Yes” immediately. He went on to explain a few things about
the work of a Bank Director and said that I needed to own 100 shares of stock in the Bank
to qualify. I had 25 shares but lacked the other 75. I think I probably whistled to myself every
merry tune I knew on my way back to my office.

I took an early lunch and went home to talk to my father about the offer. I told him I needed
100 shares of stock to become a Director of the First National Bank, but I only had 25 shares.
He didn’t hesitate for even a second before he said, “Son, you have them.” He owned some
stock in the Bank and was willing to transfer to me the 75 shares I needed. That afternoon
he immediately went to the Bank and transferred 75 shares of his to me. I called George on
the telephone and told him that I had the 100 shares. He told me that he would take care of
the matter at the next board meeting. And so that young man in 1956 became a Director of
your Bank.

From October 16, 1956 to April 1, 2022, I served on the Board of Directors of your Bank. It’s
hard for me to believe that sixty-six years have passed since that conversation with George
Garrison. For thirty-six of those years, from February 17, 1981 to May 5, 2017, I served as
Chairman of the Board of the Bank and from July 5, 1983 to May 5, 2017, as Chairman of the
Board of the Corporation.

Since my involvement, the Bank has grown from several million dollars in assets to a business
with assets over a billion dollars. My wife Sara and I watched the change from all records
being hand-written in large ledgers to the use of typewriters for recordkeeping to the current
electronic age of technology. We saw the beginning of growth as the first branch was added
in Nescopeck to the current eighteen full-service branches and one Loan Production Office.
Today First Keystone is the largest local community bank in Columbia, Montour, and lower
Luzerne Counties, yet still maintains its high standard of person-to-person service.

In the early days the Bank served as a place to deposit or withdraw money and occasionally
to acquire a loan for a home or business. All of it was conducted inside the building on West
Front Street. Today you can do a majority of your financial business without ever entering
the Bank. You can do almost anything electronically, by telephone or computer and do it
from anywhere in the world. We pride ourselves in that: you can do your banking through
technology from anywhere in the world or you can do your banking with a live person in one
of the branches.

Sometimes when I sit down and think of these past sixty-six years, it makes my head spin.
Things are moving so fast – some for the good and some for the not-so-good. This is the job
for your Board of Directors – to get in the right boat. So far, it has been good for all of us as
stockholders and customers. Your Board looks forward to the challenge of these changes

and working together to get the right mix of new and old.

I personally want to thank all of the members of the Board serving now and all of those
Directors who have served so nobly in the past. I thank all of you as stockholders and friends
for your faith and support. Your investment in the Bank and its endeavors have helped to
improve the life in our community and nearby area.

Your Bank began on September 21, 1864, and has made a profound impression on the
community and surrounding area for 158 years. Your Bank has always been ready to serve
as a proud leader in all community undertakings. Your Bank building at 111 West Front Street
in Berwick stands as a beacon of light in this community and has grown over the years to
occupy a large portion of the block. It shines at night displaying its name for all to see. At
Christmas it proudly displays “Merry Christmas” for everyone in Berwick to see or who visit
Berwick to enjoy the Christmas Boulevard.

I am bowing out after these 66 years and believe the future will continue to be as great as
the past has been with all of your help. I hope you will continue to cooperate with the Board
and its employees so that its service will continue to be a highlight of banking and financial
services in the future. I believe this will happen and continue for generations to come.

As I do so, I think of the great General Douglas MacArthur who was a strong leader in the
re-taking of the islands in the Pacific from the Japanese during World War II. I personally
was part of the landing forces of amphibious boats which carried men and equipment to the
shores of these islands. Among the islands General MacArthur considered his home-away-
from-home was one of the principal targets to re-take. You may recall his statement when he
was forced to leave Corregidor: “I shall return.” He did indeed return with his corncob pipe in
his mouth. He was a truly great American and master builder of the surrender of the Japanese
and subsequent securing of the peace. Unfortunately, in my opinion, he was thought to be a
threat to the Washington politicians, and they forced him to return to the United States. He
then made his decision to retire and at a Joint Session of Congress disclosed to the world his
decision to retire. His words can never be forgotten: “Old soldiers never die. They just fade
away.”

AND SO I SAY TO YOU:
“OLD BANKERS NEVER DIE. THEY
JUST FADE AWAY WITH THEIR
MEMORIES.” GOD BLESS ALL OF
YOU AND THE BANK.

FIRST KEYSTONE CORPORATION BOARD OF DIRECTORS

ROBERT A. BULL
Chairman
Attorney -
Bull & Bull LLP

JOHN E. ARNDT
Vice Chairman
Owner -
Arndt Insurance Agency

DAVID R. SARACINO
Secretary
Retired Vice President & CFO
First Keystone Community Bank

D. MATTHEW BOWER
President -
Don E. Bower, Inc.

ROBERT E. BULL
Retired Attorney -
Bull & Bull LLP

MICHAEL L. JEZEWSKI
President/Owner -
Delta Electrical
Systems, Inc.

NANCY J. MARR
President Emerita -
Marr Development
Inc.

WILLIAM E. RINEHART
President/Owner -
Gray Chrysler Dodge Jeep Ram
and Gray Chevrolet

ELAINE A. WOODLAND
President & Chief Executive
Officer of First Keystone
Community Bank

JEROME F. FABIAN
Director Emeritus
Retired Owner/President
Tile Distributors of America, Inc.

JOHN G. GERLACH
Director Emeritus
Retired President
First Keystone Community Bank,
Pocono Division

DR. JOSEPH B. CONAHAN, JR.
Director Emeritus
Ophthalmologist

ROBERT A. BULL
Chairman

OFFICERS
ELAINE A. WOODLAND
President &
Chief Executive Officer

JOHN E. ARNDT
Vice Chairman

DIANE C.A. ROSLER
Chief Financial Officer/Treasurer

DAVID R. SARACINO
Secretary

CHERYL L. WYNINGS
Assistant Secretary

FIRST KEYSTONE COMMUNITY BANK OFFICERS*

ROBERT A. BULL
Chairman of the Board

JOHN E. ARNDT
Vice Chairman

DAVID R. SARACINO
Secretary

ELAINE A. WOODLAND
President
Chief Executive Officer

EXECUTIVE OFFICERS
JONATHAN LITTLEWOOD
Senior Vice President
Chief Lending Officer

DIANE C.A. ROSLER
Senior Vice President
Chief Financial Officer & Cashier

MARK J. MCDONALD
Senior Vice President
Chief Credit Officer

CHRISTOPHER ZLOBIK
Senior Vice President
Deposit Operations Manager

VICE PRESIDENT
JODI L. ALLEY
Loan Operations Manager
STACIA L. ARNAUD
Commercial Services Officer
ANTHONY P. CARTIGLIA
Commercial Services Officer
JUNE GEORGE
Branch Administrator
EDGAR A. GOWER, JR.
Commercial Services Officer
BRENDA L. GRASLEY
Consumer Loan Manager
TINA M. GRAY
Regional Branch Administrator
LEE A. HESS
Loan Review Officer & Security Officer

ASSISTANT VICE PRESIDENT
TIFFANY L. BIENKOWSKI
Commercial Services Officer
BRANDON BROWN
Commercial Services Officer
SANDRA L. COLE
Community Office Manager
JOHN A. DOUGHERTY
Community Office Manager
LAUREN E. DUANE
Business Deposit Specialist
KIMBERLY A. HELLER
Human Resource Manager
AMANDA D. JARSKI
Assistant Compliance Officer

ASSISTANT CASHIER/OFFICER
KAYLA ACORNLEY
Fraud Manager/BSA Officer
MEGAN R. BOONE
Electronic Processing Coordinator
SHANE A. DAVIS
Accountant I & Systems Administrator
NICOLE DIETTERICK
Keystone Banker III
LEVI E. DILTZ
Systems Administrator
LYDIA FATULA
Credit Intake/Doc Prep Specialist
LAUREL FIDRICK
Process Administrator
MELANIE A. FISHER
Credit Analyst I
YOLANDA FRANCIS
Training Specialist

OFFICERS

JASON P. HOLLOWAY
Commercial Services Officer
REBECCA A. HOOPER
Senior Trust Officer
DONNA J. KEEFER
Training/Systems Support Manager
BRIAN M. KLINEFELTER
Credit Department Manager
KEVIN M. KRIEGER
Compliance Officer & CRA Officer
MARISOL LOPEZ
Regional Branch Administrator
SARAH MANEVAL
Commercial Services Officer
THOMAS J. MCGRATH
Commercial Services Officer

KATHLEEN M. JARSKI
Community Office Manager
RACHEL JENNINGS
Post-Closing Document Specialist
STEVEN M. KOTCH
Loan Workout Officer
MARTIN B. LEANDRI
Financial Consultant/Trust Officer
KRISTI A. MCCLINTOCK
Commercial Loan Document Specialist
LAURIE J. NUDO
Regional Branch Administrator
MARY E. PASCUCCI
HR and Training Specialist

STACY L. GORDNER
Accounting Reporting Analyst
HERBERT H. HARMON, JR.
Senior Facilities Manager
KAREN HENRICKSON
Electronic/Deposit Processing Clerk
LILIANA HENRICKSON
Community Office Manager
JUSTINE KISHBAUGH
Loan Operations Specialist
MICHELLE E. KOZAK
Marketing Manager
CINDY LAIDACKER
Interim HR Manager
ANGELA A. MACKERT
Community Office Manager
CHRISTOPHER MATTHEWS
Commercial Services Officer

THOMAS POPKO
Commercial Services Officer
MICHAEL REIS
Commercial Services Officer
MICHAEL C. SANTIAGO
Commercial Services Officer
FRANCES I. SEWARD
Regional Branch Administrator
NATALIE J. STACKHOUSE
Accounting Manager
LEIGHTON B. WALSH
Mortgage Services Manager
DAVID J. WARHO
CISO/IT Manager

KIMBERLY S. SHINER
Community Office Manager
SHERRI A. SITLER
Deposit Review Officer
CURTIS SNOWDEN
Commercial Services Officer
CINDY L. THORNE
Trust Officer
KATHY WEISS
Business Deposit Specialist
CHERYL L. WYNINGS
Executive Administrative Assistant/
Assistant Secretary

KATHRYN MCNEAL
Mortgage Loan Underwriter/Processor
ASHLEY M. MILLOWAY
Mortgage Loan Consultant
KIM R. MURREN
Community Office Manager
BONNIE NEVEL
Deposit Processing Supervisor
SUSAN PATTERSON
Loan Operations Specialist
TERRI L. ROMANOWSKI
Assistant Community Office Manager
TINA L. ROTH
IRA/HSA Specialist
JESSICA THORNE
Accountant I

*Officers as of December 31, 2021

CORPORATE INFORMATION

THE CORPORATION

DIVIDEND REINVESTMENT

First Keystone Corporation is a bank holding
company incorporated under the Pennsylvania
Business Corporation Laws. Its assets consist
primarily of the assets of its wholly-owned
subsidiary, First Keystone Community Bank.

First Keystone Community Bank serves
Columbia, Montour, Luzerne, Monroe,
Northampton and Lehigh Counties. The Bank
engages in general banking business and also
provides fiduciary services.

CORPORATE HEADQUARTERS

First Keystone Corporation
111 West Front Street
Berwick, PA 18603
Telephone: 570-752-3671
Fax: 570-752-4022

NOTICE OF ANNUAL MEETING

The 2022 Annual Meeting of Shareholders will
be held at 10:00 a.m., Eastern Daylight Time,
on Thursday, May 5, 2022 by virtual meeting
by visiting:

www.fkyscorp.com/annualmeeting

ANNUAL REPORT ON FORM 10-K

The Annual Report on Form 10-K as filed with
the Securities and Exchange Commission may
be obtained, without charge, by contacting:

Cheryl Wynings
Investor Relations
P.O. Box 289
Berwick, PA 18603
Telephone: 1-888-759-2266, extension 1175
Locally: 570-752-3671, extension 1175

TRANSFER AGENT AND REGISTRAR

To change or transfer registration of your
stock, report a lost certificate, or other related
inquiries, please contact our transfer agent at:

American Stock Transfer & Trust Company
6201 15th Avenue
Brooklyn, NY 11219
1-800-937-5449
www.astfinancial.com

DIRECT DEPOSIT

Shareholders may have their cash dividends
deposited directly into the account of their
choice at any banking institution, with no
charge. Additional information and enrollment
materials for direct deposit can be obtained by
calling 1-800-937-5449.

The Plan, open to residents of Pennsylvania,
provides the opportunity to have dividends
automatically reinvested into First Keystone
Corporation stock. Participants in the Plan
may also elect to make cash contributions to
purchase additional shares of common stock.
For information regarding the Plan, contact the
Plan Administrator at:

AST
Plan Administration Department
Wall Street Station
P.O.Box 922
New York, NY 10269-0560

1-800-937-5449
help@astfinancial.com

INVESTOR INFORMATION

Information regarding First Keystone
Corporation is available online at
firstkeystonecorp.fkc.bank. The website also
includes additional information of interest to
shareholders such as: historical stock prices,
dividend declarations, press releases and
governance documents.

Requests for information or assistance
regarding the corporation should be directed
to Shareholder Relations at

1-888-759-2266, extension 1175
Locally: 570-752-3671, extension 1175

STOCK LISTING

First Keystone Corporation common stock is
traded on OTC Pink under the symbol “FKYS”.

STOCK PURCHASE INQUIRIES

The following brokerage firms make a market
in First Keystone Corporation common stock:

RBC Dain Rauscher, 800-223-4207
Janney Montgomery Scott LLC, 800-526-6397
Stifel Nicholaus & Co. Inc., 800-679-5446
Boenning & Scattergood, Inc., 800-883-1212

INDEPENDENT PUBLIC ACCOUNTANTS

Baker Tilly US, LLP
99 Wood Avenue South, Suite 801
Iselin, NJ 08830-2734
Telephone: 848-467-3909

OFFICE LOCATIONS

HANOVER TOWNSHIP OFFICE
1540 Sans Souci Highway
Hanover Township, PA 18706
570-825-7352

BRODHEADSVILLE OFFICE
2022 Route 209
Brodheadsville, PA 18322
570-402-2008

MAIN OFFICE
111 West Front Street
Berwick, PA 18603
570-752-3671

NESCOPECK OFFICE
437 West Third Street
Nescopeck, PA 18635
570-759-2767

SALEM TOWNSHIP OFFICE
400 Fowler Avenue
Berwick, PA 18603
570-759-2628

FREAS AVENUE OFFICE
701 Freas Avenue
Berwick, PA 18603
570-752-1244

DANVILLE OFFICE
1049 Bloom Road
Danville, PA 17821
570-275-8000

BRIAR CREEK OFFICE
50 Briar Creek Plaza
Berwick, PA 18603
570-802-0541

KINGSTON OFFICE
299 Wyoming Avenue
Kingston, PA 18704
570-718-1110

SCOTT TOWNSHIP OFFICE
2301 Columbia Boulevard
Bloomsburg, PA 17815
570-784-0354

STROUDSBURG OFFICE
559 Main Street
Stroudsburg, PA 18360
570-424-9700

MIFFLINVILLE OFFICE
133 West Third Street
Mifflinville, PA 18631
570-752-5750

MOUNTAINHOME OFFICE
1154 Route 390
Cresco, PA 18326
570-595-9700

888-759-2266 | www.fkc.bank

SWIFTWATER OFFICE
2070 Route 611
Swiftwater, PA 18370
570-839-7880

MOUNTAIN TOP OFFICE
18 North Mountain Boulevard
Mountain Top, PA 18707
570-715-0720

PLYMOUTH OFFICE
463 West Main Street
Plymouth, PA 18651
570-719-1400

DALLAS OFFICE
2325 Memorial Highway
Dallas, PA 18612
570-674-1030

SHICKSHINNY OFFICE
107 South Main Street
Shickshinny, PA 18655
570-542-6060

LOAN PROCESSING OFFICE
559 Main Street, Suite 114
Bethlehem, PA 18018
610-419-1412

FIRST

KEYSTONE

CORPORATION

ﬁrstkeystonecorp.fkc.bank