---
schema_version: "secwatch.filing_event.v1"
accession: "0000737875-25-000027"
form_type: "8-K"
ticker: "FKYS"
cik: "0000737875"
company_name: "FIRST KEYSTONE CORP"
filed_at: "2025-07-30T23:59:59+00:00"
generated_at: "2026-05-17T23:20:18.852230+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# First Keystone reports H1 2025 net income of $3.97M, EPS $0.64

## Summary
- Net income for six months ended June 30, 2025: $3,967,000 ($0.64 EPS); dividends $0.56 per share.
- Interest income up 7.4% YoY to $2.555M on commercial real estate loan growth.
- Non-interest expense fell to $16.91M; prior year had $19.133M goodwill impairment.
- Fraud write-off of $307K in Q1 2025 on a customer account.
- Total assets grew 1.4% to $1.437B; deposits up 7.4% (retail and brokered CDs).

## SEC filing metadata
- accession: 0000737875-25-000027
- form_type: 8-K
- ticker: FKYS
- cik: 0000737875
- company_name: FIRST KEYSTONE CORP
- filed_at: 2025-07-30T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/737875/000073787525000027/0000737875-25-000027-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/737875/000073787525000027/fkys-20250730x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000737875-25-000027
- JSON: https://secwatch.observer/filing/0000737875-25-000027.json
- Plain text: https://secwatch.observer/filing/0000737875-25-000027.txt

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