secwatch.observer — SEC 8-K summary
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Issuer:     FIRST KEYSTONE CORP (FKYS)
CIK:        0000737875
Form:       8-K/A
Filed at:   2026-03-31T23:59:59+00:00
Accession:  0000737875-26-000013
Event type: earnings
Sentiment:  negative
Materiality: 0.72
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

First Keystone revises FY2025 net income down to $6.15M, EPS $0.99 from $7.62M/$1.22 on higher credit losses
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- Net income revised to $6.152M ($0.99/sh) from initially reported $7.622M ($1.22/sh) due to allowance for credit losses adjustment.
- Provision for credit losses increased $3.601M vs prior year (original $1.273M) due to two large charge-offs and a CRE loan non-accrual.
- Total interest income revised to $5.777M (+8.1% YoY) from $5.843M (+8.2%) after adjustment.
- Total assets $1.531B (+7.2% YoY); stockholders' equity up $6.278M (+5.9%) driven by AOCI improvement.
- Dividends of $1.12/sh exceeded net income of $0.99/sh for FY2025.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/737875/000073787526000013/0000737875-26-000013-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/737875/000073787526000013/fkys-20260130x8ka.htm
  HTML page:      https://secwatch.observer/filing/0000737875-26-000013

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