secwatch.observer — SEC 8-K summary
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Issuer:     FIRST KEYSTONE CORP (FKYS)
CIK:        0000737875
Form:       8-K
Filed at:   2026-01-30T23:59:59+00:00
Accession:  0000737875-26-000003
Event type: earnings
Sentiment:  positive
Materiality: 0.60
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/737875/000073787526000003/0000737875-26-000003-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/737875/000073787526000003/fkys-20260130x8k.htm
  HTML page:      https://secwatch.observer/filing/0000737875-26-000003

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