---
schema_version: "secwatch.filing_event.v1"
accession: "0000737875-25-000016"
form_type: "8-K"
ticker: "FKYS"
cik: "0000737875"
company_name: "FIRST KEYSTONE CORP"
filed_at: "2025-04-29T23:59:59+00:00"
generated_at: "2026-05-23T04:25:18.474238+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# First Keystone Q1 net income $1.053M ($0.17 EPS), up from loss; dividends $0.28/share

## Summary
- Net income of $1.053M ($0.17/share) vs $18.377M loss in Q1 2024; improvement due to absence of $19.133M goodwill impairment.
- Interest income +7.5% YoY on rate growth and commercial real estate loans; provision for credit losses +$487K on growth and two charge-offs.
- Non-interest expense fell to $8.649M from $28.982M (2024 incl. goodwill impairment); offset by $307K fraud write-off and higher FDIC/fleet costs.
- Dividends of $0.28/share exceeded EPS; total assets $1.435B (+1.8%); net loans +6.0% YoY; deposits +6.5% led by brokered CDs.
- Stockholders' equity +2.7% to $105.1M; AOCI improved $2.679M; retail deposits declined $20.7M.

## SEC filing metadata
- accession: 0000737875-25-000016
- form_type: 8-K
- ticker: FKYS
- cik: 0000737875
- company_name: FIRST KEYSTONE CORP
- filed_at: 2025-04-29T23:59:59+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/737875/000073787525000016/0000737875-25-000016-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/737875/000073787525000016/fkys-20250429x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000737875-25-000016
- JSON: https://secwatch.observer/filing/0000737875-25-000016.json
- Plain text: https://secwatch.observer/filing/0000737875-25-000016.txt

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