---
schema_version: "secwatch.filing_event.v1"
accession: "0000737875-22-000031"
form_type: "8-K"
ticker: "FKYS"
cik: "0000737875"
company_name: "FIRST KEYSTONE CORP"
filed_at: "2022-07-29T23:59:59+00:00"
generated_at: "2026-06-24T07:07:09.593018+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# First Keystone H1 2022 net income $7.365M, down 1.6%; EPS $1.24

## Summary
- Net income $7.365M ($1.24 EPS) for six months ended June 30, 2022, down 1.6% from H1 2021.
- Total interest income rose 5.9% to $1.206M, driven by rate increases and commercial loan growth; PPP fees declined $437K.
- Non-interest income fell 22.4% ($837K) due to $765K drop in other income, including net losses on mortgage sales vs gains in 2021.
- Net loans up 8.4%; deposits down 6.6%; stockholders' equity down 15% due to AOCI losses from securities portfolio.
- Dividends paid $0.56 per share for H1 2022.

## SEC filing metadata
- accession: 0000737875-22-000031
- form_type: 8-K
- ticker: FKYS
- cik: 0000737875
- company_name: FIRST KEYSTONE CORP
- filed_at: 2022-07-29T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/737875/000073787522000031/0000737875-22-000031-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/737875/000073787522000031/fkys-20220729x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000737875-22-000031
- JSON: https://secwatch.observer/filing/0000737875-22-000031.json
- Plain text: https://secwatch.observer/filing/0000737875-22-000031.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.