---
schema_version: "secwatch.filing_event.v1"
accession: "0000737875-25-000042"
form_type: "8-K"
ticker: "FKYS"
cik: "0000737875"
company_name: "FIRST KEYSTONE CORP"
filed_at: "2025-10-31T23:59:59+00:00"
generated_at: "2026-05-17T01:10:57.366418+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# First Keystone Q3 2025 net income $6.8M, EPS $1.09; assets up 10%

## Summary
- Net income for 9 months ended Sept 30, 2025: $6.775M, EPS $1.09; dividends $0.84 per share.
- Interest income up 7.7% ($4.1M) on commercial real estate loan growth; provision for credit losses down $723K.
- Total assets $1.582B (+10% YoY); deposits up $172.6M (+16.9%) including $64.1M brokered CD increase.
- Non-interest income up 13.2% ($638K); expense down due to prior year goodwill impairment, partly offset by fraud write-off $307K and ATM fleet cost $352K.
- No guidance provided; company notes shift from transactional to term deposits.

## SEC filing metadata
- accession: 0000737875-25-000042
- form_type: 8-K
- ticker: FKYS
- cik: 0000737875
- company_name: FIRST KEYSTONE CORP
- filed_at: 2025-10-31T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- 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/737875/000073787525000042/0000737875-25-000042-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/737875/000073787525000042/fkys-20251031x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000737875-25-000042
- JSON: https://secwatch.observer/filing/0000737875-25-000042.json
- Plain text: https://secwatch.observer/filing/0000737875-25-000042.txt

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