First Keystone Corporation is a bank holding company whose sole operating subsidiary is First Keystone Community Bank, a community bank serving northeastern Pennsylvania. The Bank operates 19 branches across Columbia, Luzerne, Monroe, Montour, and Northampton Counties, and is headquartered in Berwick, PA. First Keystone's core business is straightforward community banking: it takes in deposits and lends that money out to individuals and small to mid-sized businesses, earning a spread between deposit rates and loan yields. Loans span commercial, real estate, agricultural, and consumer products, all internally originated. The Bank also runs a trust department offering personal and corporate trust services, estate planning, investment advisory, and pension plan management, which provides some fee income alongside the dominant net interest income. The Bank's funding base is primarily deposits, with municipal deposits making up roughly 12.5% of total deposits — a concentrated source that management monitors. The Bank supplements deposits with wholesale borrowings and FHLB advances as needed. With roughly $1.5B in total assets, First Keystone positions itself as a relationship-focused community bank, competing against larger regional banks on local knowledge and service rather than scale. Its strongest market position is in its home Berwick market, where it holds roughly 31% of local deposit share.