First Keystone Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	136.84	121.25	17.25	17.01	10.74	61.34
Investment Securities	186.32	187.69	214.05	228.37	213.54	287.19
Mortgage-Backed Securities	206.66	212.68	182.98	172.04	165.36	154.46
Total Investments	392.98	400.37	397.03	400.41	378.91	441.66
Gross Loans	932.16	947.29	947.71	910.86	858.59	747.03
Allowance for Loan Losses	-9.04	-9.41	-7.67	-6.93	-8.27	-8.68
Other Adjustments to Gross Loans	-	-	-	-	-0.19	-0.19
Net Loans	923.13	937.87	940.04	903.94	850.12	738.16
Property, Plant & Equipment	20.5	20.7	21.67	21.08	20.57	19.18
Goodwill	-	-	-	19.13	19.13	19.13
Loans Held for Sale	0.45	1.14	0.74	0.21	0.07	6.01
Accrued Interest Receivable	4.84	5	4.99	5.2	4.39	4.36
Long-Term Deferred Tax Assets	6.31	6.46	7.73	8.7	9.13	-
Other Real Estate Owned & Foreclosed	-	0.15	0.76	1.07	0.31	-
Other Long-Term Assets	39.87	29.13	29.43	28.27	28.73	28.64
Total Assets	1,525	1,531	1,429	1,416	1,329	1,320
Interest Bearing Deposits	838.61	717.85	802.52	748.69	748.35	815.9
Institutional Deposits	75.32	212.76	39.78	33.19	13.4	13.03
Non-Interest Bearing Deposits	217.35	206.82	203.58	198.57	231.75	249.04
Total Deposits	1,131	1,137	1,046	980.44	993.5	1,078
Short-Term Borrowings	138.54	140.7	135.89	157.97	153.42	27.38
Current Portion of Long-Term Debt	-	64	64	20	3	10
Current Portion of Leases	0.18	0.18	0.18	0.18	0.18	0.13
Accrued Interest Payable	2.68	2.74	2.15	2.82	0.56	0.25
Long-Term Debt	25	25	25	25	25	25
Federal Home Loan Bank Debt, Long-Term	106	42	42	102	22	25
Long-Term Leases	1.72	1.71	1.75	1.8	1.85	1.39
Long-Term Deferred Tax Liabilities	-	-	-	-	-	0.63
Other Long-Term Liabilities	5.34	4.15	4.96	4.05	9.29	4.05
Total Liabilities	1,411	1,418	1,322	1,294	1,209	1,172
Common Stock	13.06	13.01	12.9	12.71	12.5	12.36
Additional Paid-In Capital	46.3	45.89	45.07	44	42.44	40.94
Retained Earnings	79.53	79.33	80.15	100.26	100.71	93.38
Treasury Stock	-5.71	-5.71	-5.71	-5.71	-5.71	-5.71
Comprehensive Income & Other	-19	-19.45	-25.63	-29.65	-29.56	7.59
Shareholders' Equity	114.18	113.06	106.78	121.62	120.39	148.56
Total Liabilities & Equity	1,525	1,531	1,429	1,416	1,329	1,320
Total Debt	271.44	273.6	268.81	306.95	205.45	88.89
Net Cash (Debt)	-134.6	-152.35	-251.56	-289.93	-194.72	-27.31
Net Cash Per Share	-21.57	-24.47	-40.77	-47.89	-32.59	-4.62
Filing Date Shares Outstanding	6.3	6.27	6.22	6.02	6.02	5.95
Total Common Shares Outstanding	6.3	6.27	6.22	6.09	6.02	5.95
Book Value Per Share	18.13	18.03	17.17	19.97	20.00	24.98
Tangible Book Value	114.18	113.06	106.78	102.48	101.25	129.42
Tangible Book Value Per Share	18.13	18.03	17.17	16.82	16.82	21.76

Source: S&P Global Market Intelligence. Banks template. Financial Sources.