First Keystone Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2015 - 2019
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2015 - 2019
Cash & Equivalents	147.26	17.25	17.01	10.74	61.34	24.18	Upgrade
Investment Securities	196.9	214.05	228.37	213.54	287.19	252.65	Upgrade
Mortgage-Backed Securities	217.13	182.98	172.04	165.36	154.46	117.42	Upgrade
Total Investments	414.02	397.03	400.41	378.91	441.66	370.07	Upgrade
Gross Loans	957.63	947.71	910.86	858.59	747.03	703.44	Upgrade
Allowance for Loan Losses	-8	-7.67	-6.93	-8.27	-8.68	-7.93	Upgrade
Other Adjustments to Gross Loans	-	-	-	-0.19	-0.19	-0.13	Upgrade
Net Loans	949.63	940.04	903.94	850.12	738.16	695.38	Upgrade
Property, Plant & Equipment	21.05	21.67	21.08	20.57	19.18	19.74	Upgrade
Goodwill	-	-	19.13	19.13	19.13	19.13	Upgrade
Loans Held for Sale	0.1	0.74	0.21	0.07	6.01	17.3	Upgrade
Accrued Interest Receivable	5.08	4.99	5.2	4.39	4.36	4.54	Upgrade
Long-Term Deferred Tax Assets	6.55	7.73	8.7	9.13	-	-	Upgrade
Other Real Estate Owned & Foreclosed	2.42	0.76	1.07	0.31	-	0.04	Upgrade
Other Long-Term Assets	36.29	29.43	28.27	28.73	28.64	26.45	Upgrade
Total Assets	1,582	1,429	1,416	1,329	1,320	1,179	Upgrade
Interest Bearing Deposits	908.22	715.75	748.69	748.35	815.9	723.96	Upgrade
Institutional Deposits	69.11	126.55	33.19	13.4	13.03	15.03	Upgrade
Non-Interest Bearing Deposits	215.17	203.58	198.57	231.75	249.04	198.5	Upgrade
Total Deposits	1,192	1,046	980.44	993.5	1,078	937.49	Upgrade
Short-Term Borrowings	137.27	136.71	157.97	153.42	27.38	19.49	Upgrade
Current Portion of Long-Term Debt	-	-	20	3	10	10	Upgrade
Current Portion of Leases	0.16	0.18	0.18	0.18	0.13	0.16	Upgrade
Accrued Interest Payable	3.18	2.15	2.82	0.56	0.25	0.41	Upgrade
Long-Term Debt	25	25	25	25	25	25	Upgrade
Federal Home Loan Bank Debt, Long-Term	106	106	102	22	25	35	Upgrade
Long-Term Leases	1.76	1.75	1.8	1.85	1.39	1.44	Upgrade
Long-Term Deferred Tax Liabilities	-	-	-	-	0.63	2.15	Upgrade
Other Long-Term Liabilities	4.27	4.14	4.05	9.29	4.05	3.68	Upgrade
Total Liabilities	1,470	1,322	1,294	1,209	1,172	1,035	Upgrade
Common Stock	12.96	12.9	12.71	12.5	12.36	12.23	Upgrade
Additional Paid-In Capital	45.48	45.07	44	42.44	40.94	39.54	Upgrade
Retained Earnings	81.7	80.15	100.26	100.71	93.38	85.31	Upgrade
Treasury Stock	-5.71	-5.71	-5.71	-5.71	-5.71	-5.71	Upgrade
Comprehensive Income & Other	-22.18	-25.63	-29.65	-29.56	7.59	12.87	Upgrade
Shareholders' Equity	112.25	106.78	121.62	120.39	148.56	144.24	Upgrade
Total Liabilities & Equity	1,582	1,429	1,416	1,329	1,320	1,179	Upgrade
Total Debt	270.19	269.63	306.95	205.45	88.89	91.09	Upgrade
Net Cash (Debt)	-122.93	-252.37	-289.93	-194.72	-27.31	-66.66	Upgrade
Net Cash Per Share	-19.77	-40.90	-47.89	-32.59	-4.62	-11.41	Upgrade
Filing Date Shares Outstanding	6.25	6.22	6.02	6.02	5.95	5.88	Upgrade
Total Common Shares Outstanding	6.25	6.22	6.09	6.02	5.95	5.88	Upgrade
Book Value Per Share	17.97	17.17	19.97	20.00	24.98	24.52	Upgrade
Tangible Book Value	112.25	106.78	102.48	101.25	129.42	125.11	Upgrade
Tangible Book Value Per Share	17.97	17.17	16.82	16.82	21.76	21.26	Upgrade

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.