First Keystone Corp. · OTC:FKYS
First Keystone — Shareholder Meeting (May 2026)
27 slides from First Keystone's shareholder meeting presentation, May 26, 2026
Slide 1: Annual Shareholders' Meeting May 21, 2026
Annual Shareholders’ Meeting May 21, 2026
Slide 2: Annual Meeting of Shareholders
ANNUAL MEETING OF SHAREHOLDERS I. Introduction – Robert A. Bull, Chairman II. Call to Order III. Welcome IV. Ascertain Presence of a Quorum – David R. Saracino, Secretary V. Proposal No. 1 – Election of Directors VI. Proposal No. 2 – Ratification of Independent Auditors VII. Proposal No. 3 – Advisor
Slide 3: First Keystone Corporation Board of Directors
First Keystone Corporation Board of Directors ROBERT A. BULL CHAIRMAN JOHN E. ARNDT VICE CHAIRMAN D. MATTHEW BOWER WHITNEY B. HOLLOWAY JACK W. JONES MICHAEL L. JEZEWSKI NANCY J. MARR WILLIAM E. RINEHART DAVID R. SARACINO SECRETARY ELAINE A. WOODLAND
Slide 4: First Keystone Corporation Director Emeritus
First Keystone Corporation Director Emeritus JEROME F. FABIAN
Slide 5: Robert A Bull, Chairman of the Board
Robert A Bull Chairman of the Board This presentation contains certain forward-looking statements, which are included pursuant to the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995, and reflect management’s beliefs and expectations based on information currently ava
Slide 6: Stacy Gordner, Senior Vice President, Chief Financial Officer
Stacy Gordner Senior Vice President, Chief Financial Officer This presentation contains certain forward-looking statements, which are included pursuant to the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995, and reflect management’s beliefs and expectations based on
Slide 7: Financial Highlights
FINANCIAL HIGHLIGHTS (ollars in thousands, except per share data) 2025 2024 2023 2022 2021 SUMMARY OF OPERATIONS Interest income $77199 $7422 $56,988 = $46,413. $42,048 Interest expense 39,548 39,143 27872 8913 5148 Net interest income 37.651 32279 29.116 37,500 36,900 Provision (credit) for credit
Slide 8: New Loans and 2025 Loan Portfolio Breakdown
2024 2025 # OF NEW LOANS TOTAL NEW LOANS $109,896 an 128,654 2025 LOAN PORTFOLIO BREAKDOWN 82% 13% 4% 1% Hi COMMERCIAL ©) HOME EQUITY M| MORTGAGES ™ CONSUMER & OTHER
Slide 9: Deposits and 2025 Deposit Breakdown
— DEPOS ITS (2024 =. 2025 487 ~F B5075)) — 2025 DEPOSIT BREAKDOWN # OF NEW CORE DEPOSITS TOTAL NEW CORE DEPOSITS 56% 44% HE CORE DEPOSITS ™ TIME DEPOSITS (CHECKING, SAVINGS (CERTIFICATES & MONEY MARKETS) OF DEPOSIT)
Slide 10: How We Generated Income in 2025 vs 2024
How We Generated Income in 2025 vs 2024: 2025 $84,522 66% $51,187 @ 2024 $78,119 25% on Loans Securities and Stock INCOME STATEMENT IN GRAPHIC FORM MAJOR COMPONENTS OF OTHER INCOME 2024 2025 [ATM FEES & DEBIT CARD INCOME, ‘TRUST DEPARTMENT ‘SERVICE CHARGES & FEES Dollars in thousands
Slide 11: How We Used Our Income in 2025 vs 2024
a, How We Used Our Income in 2025 vs 2024: 2025 37% $84,522 S290n1 @ 2024 $78,119 18% 313867 6% 2% 6% 7% $4701 Seo $4345 0% 0% $8 (17)% a $213 (45) $0330 Provision/ Computers, Income P Borrowit o Depositors “Conte? Credtfor Employees Buildings verhead TOK Profit
Slide 12: Average Loan and Investment Balances
$200,000 $300,000 $400,000 $500,000 $600,000 $700,000 $800,000 $900,000 2021 2022 2023 2024 2025 $736,839 $807,169 $873,677 $921,848 $957,801 $413,805 $419,164 $358,243 $417,080 $401,266 Loans Investments Average Loan and Investment Balances (amounts in thousands)
Slide 13: Loan and Investment Yields (tax equivalent)
2.50% 3.00% 3.50% 4.00% 4.50% 5.00% 5.50% 6.00% 6.50% 2021 2022 2023 2024 2025 4.49% 4.41% 4.90% 5.55% 5.98% 2.61% 3.02% 4.02% 4.75% 4.40% Loan Yields Investment Yields Loan and Investment Yields (tax equivalent)
Slide 14: Average Interest-Bearing Deposits and Borrowings
$- $100,000 $200,000 $300,000 $400,000 $500,000 $600,000 $700,000 $800,000 2021 2022 2023 2024 2025 $807,970 $794,742 $746,747 $800,476 $892,869 $89,918 $141,450 $230,991 $300,020 $263,731 Average Interest Bearing Deposits Average Borrowings Average Interest-Bearing Deposits and Borrowings (amounts
Slide 15: Deposit and Borrowing Costs
0.00% 1.00% 2.00% 3.00% 4.00% 5.00% 2021 2022 2023 2024 2025 0.39% 0.66% 2.29% 3.16% 3.08% 2.23% 2.58% 4.66% 4.62% 4.57% Deposits Borrowings Liability Costs | Deposit and Borrowing Costs
Slide 16: Net Interest Spread and Net Interest Margin
1.00% 1.50% 2.00% 2.50% 3.00% 3.50% 2021 2022 2023 2024 2025 3.08% 2.96% 1.79% 1.74% 2.04% 3.22% 3.19% 2.38% 2.40% 2.66% Net Interest Spread Net Interest Margin Net Interest Spread and Net Interest Margin (tax equivalent)
Slide 17: Jack Jones, President and CEO
Jack Jones This presentation contains certain forward-looking statements, which are included pursuant to the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995, and reflect management’s beliefs and expectations based on information currently available. These forward-loo
Slide 18: Introduction: Year Complete, Thank You and 2025 Highlights
Introduction Year Complete: Thank You! Thank you shareholders, board members, customers and most importantly employees for welcoming and trusting me to lead First Keystone Community Bank. 2025 Highlights Stacy Gordner promoted to Chief Financial Officer Last year at this time she was interim
Slide 19: Home Equity Promotion, Mortgage and Commercial Lending
Kicked off Home Equity Line of Credit Promotion Implemented twice a year Generated 140 line of credit loans About $12.5 million of originations Mortgage Department Entered a relationship with FHLB/PHFA Will add to our existing portfolio Commercial Lending Continue to be a leader in ou
Slide 20: Retail Banking, Deposit Growth and Marketing
Retail Banking Successfully started to convert our debit cards to contactless Established online checking and savings account opening New Retail loan system will be operational in August Deposit Growth As Stacy mentioned, we were able to continue a stable deposit growth which saw growth in
Slide 21: Trust Department
Trust Department Planning your future or looking out for loved ones, our Trust department provides essential services Trust or Estate Services 401K or IRA opportunities Custodial Accounts Power of Attorney
Slide 22: Future of First Keystone Community Bank
Future of First Keystone Community Bank To remain an independent community bank Grow the bank in a safe, sound and profitable manner To continue to enhance our franchise and shareholder value Offer competitive deposit and loan rates Monitor margins Grow and diversify our loan portfolio In
Slide 23: Future of First Keystone Community Bank
Future of First Keystone Community Bank Our Success will evolve because of the core values instilled in our employees and board members Profitability and growth are primary and competing goals. Encouraging efficiencies throughout the Bank, although needed, can sometimes be challenging. These eff
Slide 24: Keys to our Success are expressed in our Mission Statement
Keys to our Success are expressed in our Mission Statement First Keystone Corporation and First Keystone Community Bank will be the independent financial services provider of choice to its customers and communities that it serves by providing quality, cost effective, customer focused financial servi
Slide 25: Commitment to You
Commitment to You For 167 years, we have been committed to listening to our customers and Shareholders That commitment remains true today, and will remain into the future We remain well-capitalized and compare favorably to all regulatory ratios. We are now looked at as financial advisors, co
Slide 26: Commitment to You
Commitment to You The Board of Directors, management and the entire staff are firmly focused on increasing value for our customers, our communities and our shareholders. Thank you for your confidence and continued support!
Slide 27: Thank you for attending our May 21, 2026 Annual Shareholders' Meeting
Thank you for attending our May 21, 2026 Annual Shareholders’ Meeting!