# KEYSTONE COMMUNITY BANK
KALAMAZOO, MI · FDIC certificate 34387 · asset band <$300M · latest filing 2014-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $250.2M | |
| Deposits | $206.0M | |
| Loans and leases | $171.9M | |
| Total equity | $37.9M | |
| Loans / deposits | 81.46% (p75 of band) | 68.03% |
| Liquid assets / assets | 24.00% (p24 of band) | |
| Uninsured deposits / deposits | 21.53% (p82 of band) | 12.24% |
| Brokered deposits | 9.78% | |
| Wholesale funding | 12.18% (p89 of band) | |
| FHLB advances / assets | 2.40% | |
| Tier 1 leverage | 9.48% (p34 of band) | 10.34% |
| Unrealized securities loss / equity | 0.20% (p66 of band) | -0.15% |
| AOCI / equity | -0.03% (p8 of band) | |
| ROA (annualized) | 0.60% (p40 of band) | 0.74% |
| Net interest margin | 3.67% (p55 of band) | 3.59% |
| Efficiency ratio | 74.20% (p48 of band) | |
| Noncurrent loans | 2.04% (p72 of band) | 0.94% |
| Net charge-offs (annualized) | 0.50% (p94 of band) | |
| Reserve coverage of noncurrent | 116.94% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 36.98% (p73 of band) | |
| Auto loans | $476,000 (0.28% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.3% | |
| Employees | 50 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | losing money, reserve under noncurrent |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | deposits shrinking, assets shrinking | charge-offs p90 |
| 2012-09 | 2 |  |  |
| 2012-12 | 1 |  | assets shrinking |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | deposits shrinking |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | charge-offs p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-09-13 [First Keystone Community Bank celebrates 160 years of service - Times Leader](https://news.google.com/rss/articles/CBMipAFBVV95cUxOak1UUkVnYkhzdGFvc2VGc2ljb1NlMVFQLU5XVmRjYzA4RnNCSmlxc2IzUUhhZkJVX3dDZXlSWW12czVKN1Z5WmFvWVVfSWs5U0QtZjNSS1B5TUtlcVEwNklwN0FKQ0Zma04yOTBacEVURU9oT1lnTmFEMEFkckJNbm1hR21BZ1NwNkw1UWpTVTdSWi1LdjQ4TlFvV1FNUXRwU04xeQ?oc=5) · Times Leader
- 2018-03-10 [People on the Move - The Citizens' Voice](https://news.google.com/rss/articles/CBMicEFVX3lxTE1uMXJFSkF3eGdfaHI3NXJqNHN6c3FnTGhiNEFJeENLdUtac18yQ25BOUY4RGtHNGhiQzhFZl85bDhNMTI3Vmx1RS1vX0d4NElmamdMV3o1WllfbzlBWFVXZW5LUERfT3JDQk5jMndTMDM?oc=5) · The Citizens' Voice
- 2025-06-14 [First Keystone Community Bank and Corporation announce leadership change - Times Leader](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQRDQ1TWVyOVJweUZUeUVTaDRXaGJnTGFya1hTZzZhcDJLV1BvOUNadzRXVHRHeHAwak5jMFJYUGFtYjdpN1U3X3dXN0ktZFBuM2FjVm5UNWhMdkhyaFNicHlFUWRodXdlalk0cEd3c0Ftc1ZHMDRHdnRjdUgwbU1oM2J6dGlfREV5NDR1c3RlRklpa0J0TWR3aDVMVW0wS1RyOXBFNFBNTXE4SVJHc1MycjBnSmpUeUNs?oc=5) · Times Leader
- 2014-04-14 [Miller Auditorium subject of upcoming business college talk - Western Michigan University](https://news.google.com/rss/articles/CBMiTEFVX3lxTE12MVN3QVNib1h1M3J1Rm1lT1d0djJpb1d5bTdYUEllNFRHc1YyeWVEQ2lsMGk2TXJPSWg2Ui0yOVJMRFEzeU1mQk02VHA?oc=5) · Western Michigan University
- 2024-09-23 [Craig Miller Obituary (08/12/1944 - 09/18/2024) - Leland Township, MI - MLive.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPTWJNanBPdW9jamFCRmZyd3c1NndDMGc1SWkzYVNmdUkzVUdVS0ZfUWdLMmdFLXF5VldaZVlqNWVIR2huS21ILXRlWjl2cUUwX29LemtWR0ZMRWM2ZnlSbDdwZTUxMmJ3cnpER1lKbVNsM0FsNVVLaTFUbXdnYkFjclQ0V0NGdDE4MUE2MktMNEJHQQ?oc=5) · MLive.com
- 2014-04-11 [Aviation museum president and CEO set for Keystone Series talk - Western Michigan University](https://news.google.com/rss/articles/CBMiTEFVX3lxTE5VSmNHaGQzUXhtaVlZUG9rRno5c1hlM2hJNG9JeEdud3VhQm9tQmFIQi14MmhSdDQydTZnbWQ5MERQNll4TzhHYmZNTjM?oc=5) · Western Michigan University
- 2013-02-15 [Dean Jenson to give med school update at breakfast event - Western Michigan University](https://news.google.com/rss/articles/CBMiS0FVX3lxTE5CTURuZEFRLU9GdUFtV3lyTk9aMnJKVGE1eHZGUmZNOHBSaTdIQVNNaEJTMzNNUUxZOVZVd2JsNUp1YVN1UVlHMHhhYw?oc=5) · Western Michigan University
- 2012-03-20 [Kalamazoo Marathon race director is Keystone speaker - Western Michigan University](https://news.google.com/rss/articles/CBMiSkFVX3lxTE5FZUxNNWMyZ2tWbl9BZXdBX1E5UVpKOHMxT3VBWHhmSWVFc1pQbDlXZlN0ZTNuZTVTNGNDRXRtV1dKdTBZbjA1Mmpn?oc=5) · Western Michigan University

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34387 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/19.json (key "34387", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide