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

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