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First Keystone's Business Segments
First Keystone's reported revenue by business segment and by geographic region, quarterly and annual, normalized against the consolidated income statement. Free below: the top 3 rows per table, this quarter and this fiscal year. Subscriber access adds the full segment history and operating income by segment.
Segment Data As of FY
Reportable Segments
2
Largest Segment
Banking
Total Revenue
$ 13
Regions Reported
-
Revenue Share by Reportable Segment - FY
- Banking8.6%
- Fiduciary and Trust4.6%
Revenue by Reportable Segment - FY
| Segment | Revenue (Millions) | % of Total |
|---|---|---|
| Banking | $ 1 | 8.6% |
| Fiduciary and Trust | $ 1 | 4.6% |
Annual Results
Revenue Share by Reportable Segment - FY
- Banking8.6%
- Fiduciary and Trust4.6%
Revenue by Reportable Segment - FY
| Segment | Revenue (Millions) | % of Total |
|---|---|---|
| Banking | $ 1 | 8.6% |
| Fiduciary and Trust | $ 1 | 4.6% |
Description of First Keystone
First Keystone Corporation is a Pennsylvania business corporation, and a bank holding company, registered with and supervised by the Board of Governors of the Federal Reserve System. The Corporation was incorporated on July 6, 1983, and commenced operations on July 2, 1984, upon consummation of the acquisition of all of the outstanding stock of First National Bank of Berwick (the predecessor to First Keystone Community Bank). The Corporation has one wholly-owned subsidiary, First Keystone Community Bank (the “Bank”), which has a commercial banking operation and trust department as its major lines of business. Since commencing operations, the Corporation’s business has consisted primarily of managing and supervising the Bank, and its principal source of income has been dividends paid by the Bank.
First Keystone Corporation is a financial institution that provides a range of banking products and services tailored to meet the diverse needs of individuals, businesses, and communities. Below is an extensive overview of the segments, products, and services offered by First Keystone Corporation.
1. Retail Banking
This segment focuses on providing products and services for individual consumers. It typically includes a variety of personal banking services designed to enhance customer convenience and financial well-being.
- Checking Accounts: Various types of checking accounts are available, such as basic checking, interest-bearing accounts, and accounts designed for students or seniors. These may feature low or no monthly fees, online banking capabilities, and debit card access.
- Savings Accounts: Individual and joint savings accounts that offer competitive interest rates, making it easier for customers to save for short-term or long-term goals. Certificates of Deposit (CDs) are also offered, providing higher interest rates in exchange for locking funds for a fixed term.
- Loans: Retail banking products often include personal loans, home equity lines of credit (HELOCs), and auto loans. These loans help customers purchase vehicles, undertake home improvements, or consolidate debt.
- Mortgages: A variety of mortgage products, including fixed-rate and adjustable-rate mortgages, for purchasing or refinancing homes. The corporation may also offer special loan programs for first-time homebuyers.
- Credit Cards: Different credit card options with various benefits and rewards programs tailored to but not limited to, cashback, travel rewards, or low-interest rates.
Commercial Banking
This segment targets small to medium-sized enterprises (SMEs) and larger businesses, providing specialized banking solutions to support their operational and growth needs.
- Business Checking and Savings Accounts: Accounts designed specifically for business use, including tailored transaction limits and fee structures to accommodate different business sizes and types.
- Business Loans: A range of loan offerings such as commercial real estate loans, equipment financing, lines of credit, and term loans to help businesses expand, purchase equipment, or manage cash flow.
- Merchant Services: Payment processing solutions that help businesses accept payments from customers seamlessly, including credit card processing, point-of-sale systems, and online payment solutions.
- Treasury Management: Services designed to assist businesses in managing their cash flow and liquidity needs, including cash concentration, disbursement services, and electronic funds transfer solutions.
Investment Services
First Keystone Corporation may offer an array of investment services aimed at helping individuals and businesses grow their wealth and plan for the future.
- Financial Planning: Personalized financial planning services that assess customer goals and risk tolerance, leading to tailored investment strategies.
- Retirement Accounts: Options like Individual Retirement Accounts (IRAs) or employer-sponsored 401(k) plans designed to help clients save for retirement while benefiting from tax advantages.
- Wealth Management: Comprehensive wealth management services including investment management, estate planning, and tax advisory services to help individuals and families preserve and grow their wealth.
Trust and Estate Services
In this segment, First Keystone Corporation may provide services that help clients manage their legacies and ensure their financial wishes are carried out.
- Trust Services: Establishing various types of trusts (revocable, irrevocable, charitable) to manage assets for beneficiaries according to the clients wishes.
- Estate Planning Services: Assistance in formulating estate plans that minimize taxes and ensure proper distribution of assets, including wills and health care directives.
Digital Banking Services
In recognition of evolving customer preferences and advancements in technology, First Keystone Corporation offers a suite of digital solutions to enhance the banking experience.
- Online and Mobile Banking: Secure platforms that allow customers to manage accounts, transfer funds, pay bills, and access financial resources from their devices.
- Mobile Payment Solutions: Integration with digital wallets and payment platforms, enabling customers to make transactions directly from their smartphones.
Insurance Services
Some financial institutions, including First Keystone Corporation, may provide insurance products to complement their banking services.
- Personal Insurance: Insurance options for individuals, including auto, home, life, and health insurance products designed to protect clients against various risks and uncertainties.
- Commercial Insurance: Insurance products for businesses, protecting their assets, employees, and operations from potential liabilities and losses.
Community Engagement and Support Services
First Keystone Corporation often engages with its local community, providing support and resources that extend beyond traditional banking services.
- Financial Literacy Programs: Initiatives aimed at educating individuals and businesses about financial management, savings, debt reduction, and other essential financial concepts.
- Community Investment: Involvement in local charities, sponsorship of community events, and initiatives that promote economic development within the areas they serve.
In summary, First Keystone Corporation offers a comprehensive range of banking products and services designed to cater to individual consumers, businesses, and communities. Their focus encompasses retail banking, commercial banking, investment services, trust and estate services, digital banking solutions, insurance products, and community engagement initiatives, all aimed at enhancing the financial well-being of their clients and supporting local economic growth.
1. Retail Banking
This segment focuses on providing products and services for individual consumers. It typically includes a variety of personal banking services designed to enhance customer convenience and financial well-being.
- Checking Accounts: Various types of checking accounts are available, such as basic checking, interest-bearing accounts, and accounts designed for students or seniors. These may feature low or no monthly fees, online banking capabilities, and debit card access.
- Savings Accounts: Individual and joint savings accounts that offer competitive interest rates, making it easier for customers to save for short-term or long-term goals. Certificates of Deposit (CDs) are also offered, providing higher interest rates in exchange for locking funds for a fixed term.
- Loans: Retail banking products often include personal loans, home equity lines of credit (HELOCs), and auto loans. These loans help customers purchase vehicles, undertake home improvements, or consolidate debt.
- Mortgages: A variety of mortgage products, including fixed-rate and adjustable-rate mortgages, for purchasing or refinancing homes. The corporation may also offer special loan programs for first-time homebuyers.
- Credit Cards: Different credit card options with various benefits and rewards programs tailored to but not limited to, cashback, travel rewards, or low-interest rates.
Commercial Banking
This segment targets small to medium-sized enterprises (SMEs) and larger businesses, providing specialized banking solutions to support their operational and growth needs.
- Business Checking and Savings Accounts: Accounts designed specifically for business use, including tailored transaction limits and fee structures to accommodate different business sizes and types.
- Business Loans: A range of loan offerings such as commercial real estate loans, equipment financing, lines of credit, and term loans to help businesses expand, purchase equipment, or manage cash flow.
- Merchant Services: Payment processing solutions that help businesses accept payments from customers seamlessly, including credit card processing, point-of-sale systems, and online payment solutions.
- Treasury Management: Services designed to assist businesses in managing their cash flow and liquidity needs, including cash concentration, disbursement services, and electronic funds transfer solutions.
Investment Services
First Keystone Corporation may offer an array of investment services aimed at helping individuals and businesses grow their wealth and plan for the future.
- Financial Planning: Personalized financial planning services that assess customer goals and risk tolerance, leading to tailored investment strategies.
- Retirement Accounts: Options like Individual Retirement Accounts (IRAs) or employer-sponsored 401(k) plans designed to help clients save for retirement while benefiting from tax advantages.
- Wealth Management: Comprehensive wealth management services including investment management, estate planning, and tax advisory services to help individuals and families preserve and grow their wealth.
Trust and Estate Services
In this segment, First Keystone Corporation may provide services that help clients manage their legacies and ensure their financial wishes are carried out.
- Trust Services: Establishing various types of trusts (revocable, irrevocable, charitable) to manage assets for beneficiaries according to the clients wishes.
- Estate Planning Services: Assistance in formulating estate plans that minimize taxes and ensure proper distribution of assets, including wills and health care directives.
Digital Banking Services
In recognition of evolving customer preferences and advancements in technology, First Keystone Corporation offers a suite of digital solutions to enhance the banking experience.
- Online and Mobile Banking: Secure platforms that allow customers to manage accounts, transfer funds, pay bills, and access financial resources from their devices.
- Mobile Payment Solutions: Integration with digital wallets and payment platforms, enabling customers to make transactions directly from their smartphones.
Insurance Services
Some financial institutions, including First Keystone Corporation, may provide insurance products to complement their banking services.
- Personal Insurance: Insurance options for individuals, including auto, home, life, and health insurance products designed to protect clients against various risks and uncertainties.
- Commercial Insurance: Insurance products for businesses, protecting their assets, employees, and operations from potential liabilities and losses.
Community Engagement and Support Services
First Keystone Corporation often engages with its local community, providing support and resources that extend beyond traditional banking services.
- Financial Literacy Programs: Initiatives aimed at educating individuals and businesses about financial management, savings, debt reduction, and other essential financial concepts.
- Community Investment: Involvement in local charities, sponsorship of community events, and initiatives that promote economic development within the areas they serve.
In summary, First Keystone Corporation offers a comprehensive range of banking products and services designed to cater to individual consumers, businesses, and communities. Their focus encompasses retail banking, commercial banking, investment services, trust and estate services, digital banking solutions, insurance products, and community engagement initiatives, all aimed at enhancing the financial well-being of their clients and supporting local economic growth.