FIRST KEYSTONE Business Summary

First Keystone Corp (FKYS) operates as the bank holding company for First Keystone Community Bank, primarily generating revenue through net interest income from a diverse loan portfolio and non-interest income from fiduciary services, service charges, and mortgage loan sales. The company’s primary business segments include commercial and industrial lending, commercial real estate, residential mortgages, and consumer financing, complemented by a robust trust and agency department providing investment advisory and estate planning. In the competitive landscape of Northeastern Pennsylvania, First Keystone positions itself as a high-yield, community-centric alternative to larger regional players, directly competing with Tri-County Financial Group (TYFG), American Bank (AMBK), Winchester Bancorp (WSBK), and Lake Shore Bancorp (LSBK). Leadership is currently spearheaded by President and CEO Jack W. Jones, who assumed the role in January 2025 following an extensive tenure as Chief Banking Officer at Penns Woods Bancorp and Regional President for Luzerne Bank. He is supported by Chief Financial Officer Stacy L. Gordner, a long-time internal leader who previously served as the bank’s Controller and Accounting Manager, and Chief Operating Officer Michelle M. Karas, appointed in August 2025. The Board of Directors is led by Chairman Robert A. Bull and Vice Chairman John E. Arndt, an insurance industry veteran, while former CEO Elaine A. Woodland remains a notable board member, ensuring institutional continuity for the 162-year-old institution.