Celebrating Growth, Partnership & Purpose

During the past year, First Keystone Community Bank is proud to share a period of meaningful growth, deeper community engagement and expanded support for our customers and neighbors. In a time of economic uncertainty and evolving regulatory and interest-rate environments, our goal remains steadfast: to serve our neighbors, support local growth and help our communities thrive. While technology, regulations and customer expectations continue to evolve, our commitment to relationship-driven banking has never been stronger.

Digital Services, Human Touch

This past year, we launched our new and improved online account opening platform and we enhanced our digital banking platform with a refreshed design and some added value features like free credit score access through our Savvy Money platform.

While technology supports our mission, relationship-driven banking remains at the center of everything we do. Every digital experience is backed by real people who know you by name. Whether in our branches, by phone or online, you always connect with someone who understands your goals.

Promotions that Matter

Customers are looking for smart, flexible ways to both borrow and save. Over the past year, we remained focused on delivering solutions that meet those needs. Two areas of particular focus were home equity lending and deposit growth, supported by Home Equity Line of Credit (HELOC) and Certificate of Deposit (CD) promotions designed to deliver real value to our customers.

By offering competitive rates and streamlined local decision-making, we made it easier for customers to access funds when they needed them most. The result was strong customer engagement, increased lending activity and deeper relationships. Through our fall HELOC promotion, we were also able to give back to local veteran organizations to support their meaningful work, helping those who fought for their country.

An Attitude of Gratitude

We are proud of our top-notch employees and customers, and we are happy to show our gratitude and appreciation. For our employees, we celebrated special holidays like National Hoagie Day and Bagel Fest Day, showing our appreciation through small giveaways and food. We also offered monthly in-branch promotions for our customers with giveaways each month. Through these small gestures, we were able to thank our valued customers for banking with us and brought the concept of relationship-driven banking to life.

Investing in Community

Besides investing through our lending efforts, we reinvest in the communities we serve through funding and volunteer support to non-profit and civic organizations. In 2025:

• $65,000 in EITC funds were awarded to local nonprofits and organizations for improvements in educational programming.
• $147,631 was disbursed to community organizations and events as donations and sponsorships.
• $8,993 was collected from employee denim days to support local charities and non-profits.
• Over 2,000 volunteer hours were logged by staff at local events, non-profit organization meetings and volunteering in the community.

Our impact goes beyond financial services. We’re building stronger communities together. Our employees live, work and play where you do so we support our neighbors to help them succeed.

Throughout our five-county service area, we’ve participated in several community initiatives like Read Across America, Toys for Tots and book and food drives. Through these efforts, we’ve partnered with our communities to enhance our stories together.

Committed and Here to Stay

We remain committed to executing our strategy with discipline and integrity while delivering long-term value. As we look to the future, we do so with optimism and resolve. The banking landscape will continue to change but our purpose will not. We will remain focused on listening first, acting responsibly and delivering value to customers, shareholders and communities alike.

Thank you for placing your trust in us. We are proud of what we have accomplished together and even more excited about what lies ahead.