---
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"
generated_at: "2026-05-16T06:11:13.777507+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# First Keystone FY 2025 net income $7.6M ($1.22 EPS); up $20.8M YoY on no goodwill charge

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000737875-26-000003
- JSON: https://secwatch.observer/filing/0000737875-26-000003.json
- Plain text: https://secwatch.observer/filing/0000737875-26-000003.txt

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