First Keystone Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	121.25	17.25	17.01	10.74	61.34
Investment Securities	187.69	214.05	228.37	213.54	287.19
Mortgage-Backed Securities	212.68	182.98	172.04	165.36	154.46
Total Investments	400.37	397.03	400.41	378.91	441.66
Gross Loans	947.29	947.71	910.86	858.59	747.03
Allowance for Loan Losses	-9.41	-7.67	-6.93	-8.27	-8.68
Other Adjustments to Gross Loans	-	-	-	-0.19	-0.19
Net Loans	937.87	940.04	903.94	850.12	738.16
Property, Plant & Equipment	20.7	21.67	21.08	20.57	19.18
Goodwill	-	-	19.13	19.13	19.13
Loans Held for Sale	1.14	0.74	0.21	0.07	6.01
Accrued Interest Receivable	5	4.99	5.2	4.39	4.36
Long-Term Deferred Tax Assets	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	29.13	29.43	28.27	28.73	28.64
Total Assets	1,531	1,429	1,416	1,329	1,320
Interest Bearing Deposits	717.85	802.52	748.69	748.35	815.9
Institutional Deposits	212.76	39.78	33.19	13.4	13.03
Non-Interest Bearing Deposits	206.82	203.58	198.57	231.75	249.04
Total Deposits	1,137	1,046	980.44	993.5	1,078
Short-Term Borrowings	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	0.13
Accrued Interest Payable	2.74	2.15	2.82	0.56	0.25
Long-Term Debt	25	25	25	25	25
Federal Home Loan Bank Debt, Long-Term	42	42	102	22	25
Long-Term Leases	1.71	1.75	1.8	1.85	1.39
Long-Term Deferred Tax Liabilities	-	-	-	-	0.63
Other Long-Term Liabilities	4.15	4.96	4.05	9.29	4.05
Total Liabilities	1,418	1,322	1,294	1,209	1,172
Common Stock	13.01	12.9	12.71	12.5	12.36
Additional Paid-In Capital	45.89	45.07	44	42.44	40.94
Retained Earnings	79.33	80.15	100.26	100.71	93.38
Treasury Stock	-5.71	-5.71	-5.71	-5.71	-5.71
Comprehensive Income & Other	-19.45	-25.63	-29.65	-29.56	7.59
Shareholders' Equity	113.06	106.78	121.62	120.39	148.56
Total Liabilities & Equity	1,531	1,429	1,416	1,329	1,320
Total Debt	273.6	268.81	306.95	205.45	88.89
Net Cash (Debt)	-152.35	-251.56	-289.93	-194.72	-27.31
Net Cash Per Share	-24.47	-40.77	-47.89	-32.59	-4.62
Filing Date Shares Outstanding	6.27	6.22	6.02	6.02	5.95
Total Common Shares Outstanding	6.27	6.22	6.09	6.02	5.95
Book Value Per Share	18.03	17.17	19.97	20.00	24.98
Tangible Book Value	113.06	106.78	102.48	101.25	129.42
Tangible Book Value Per Share	18.03	17.17	16.82	16.82	21.76

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.