{"schema_version":"secwatch.filing_event.v1","accession":"0000737875-26-000003","form_type":"8-K","ticker":"FKYS","cik":"0000737875","company_name":"FIRST KEYSTONE CORP","filed_at":"2026-01-30T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.621516+00:00","generated_at":"2026-05-16T06:11:13.777507+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"First Keystone FY 2025 net income $7.6M ($1.22 EPS); up $20.8M YoY on no goodwill charge","bullets":["Net income $7,622,000 ($1.22 diluted EPS) vs. a net loss in 2024 due to $19.1M goodwill impairment.","Dividends totaled $1.12 per share for FY 2025, implying a 92% payout ratio.","Total assets rose 7.3% to $1.53B; deposits up 8.8% with $135.7M shift into retail CDs.","Q4 2025 had a large isolated charge-off that increased provision for credit losses by $1.27M.","Non-interest expense fell 32.8% as 2024 had a $19.1M goodwill impairment; core expenses rose slightly."],"urls":{"canonical":"https://secwatch.observer/filing/0000737875-26-000003","json":"https://secwatch.observer/filing/0000737875-26-000003.json","markdown":"https://secwatch.observer/filing/0000737875-26-000003.md","text":"https://secwatch.observer/filing/0000737875-26-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/737875/000073787526000003/0000737875-26-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/737875/000073787526000003/fkys-20260130x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T06:11:13.777507+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}