Welcome to our dedicated page for FIRST KEYSTONE SEC filings (Ticker: FKYS), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
First Keystone Corporation filings document the formal disclosures of a Pennsylvania bank holding company and its subsidiary, First Keystone Community Bank. The company’s Form 8-K reports furnish unaudited earnings releases, dividend announcements, and other material events, including operating results, balance-sheet measures, deposit and loan trends, securities results, and credit-loss provisions.
The filing record also includes amendments to previously furnished financial information reflecting adjustments to the allowance for credit losses and related entries. Proxy materials cover annual meeting matters such as director elections, auditor ratification, advisory executive-compensation votes, board structure, compensation, and shareholder voting procedures. Governance filings also document officer appointments and related disclosure under executive-officer reporting rules.
First Keystone Corporation reported stronger results for the three months ended March 31, 2026. Net income rose to $1,959,000 from $1,053,000 a year earlier, and diluted earnings per share increased to $0.31 from $0.17, while paying dividends of $0.28 per share.
Total assets were $1.52 billion, slightly below year-end 2025, as loans held for investment declined to $931.6 million and deposits were $1.13 billion. Net interest income improved to $9.1 million, helped by a $390,000 recovery of credit losses instead of a prior-year provision, and the allowance for credit losses stood at $9.0 million. Credit quality metrics included non-accrual real estate loans of $16.9 million and a modest level of net charge-offs.
First Keystone Corporation reported much stronger results for the quarter ended March 31, 2026. Net income was $1,959,000, an increase of $906,000 or 86.0% from the same period in 2025, mainly driven by higher interest income.
Total interest income rose $1,032,000 or 5.7%, largely from higher interest-bearing deposits at the Federal Reserve Bank, while total interest expense increased $671,000 or 7.1%, primarily from retail CDs. The provision for credit losses swung to a $390,000 credit from $751,000 expense, helped by lower loan balances and prior charge-offs.
Non-interest income increased modestly, with net securities gains improving by $260,000, though life insurance gains recorded in 2025 did not recur. Non-interest expense rose $524,000 or 6.1%, mainly from higher salaries, benefits, and equipment costs. Total assets reached $1,524,919,000, up 6.2%, and deposits grew $85,896,000 or 8.2%, reflecting strong CD growth.
First Keystone Corporation is holding its 2026 Annual Meeting on May 21, 2026 at the Berwick Golf Club in Pennsylvania. Shareholders of record on March 17, 2026, when 6,272,135 common shares were outstanding, may vote.
Investors will elect three Class C directors to new three-year terms, vote on ratifying Baker Tilly US, LLP as the independent auditor for 2026, and cast a non-binding say-on-pay vote on executive compensation. The proxy details board structure, committee membership, governance practices, director and executive pay, and that directors and named executive officers as a group beneficially own 713,933 shares, or 11.38% of outstanding stock.
First Keystone Corporation amended its previously reported 2025 results to reflect higher credit loss provisions and related adjustments. Revised figures show total interest income up $5,777,000 or 8.1% versus 2024, driven mainly by growth in commercial real estate loans, while total interest expense rose $405,000 or 1.0%.
The provision for credit losses increased by $3,061,000 year over year due to two large charge-offs and a significant commercial real estate loan moving to non-accrual in the fourth quarter of 2025, which the company describes as isolated events. Non-interest income grew $626,000 or 9.3%, helped by $255,000 of life insurance death benefit proceeds and higher mortgage sale gains and card fees.
Non-interest expense fell $16,670,000 or 33.0%, largely because 2024 included a non-cash goodwill impairment charge of $19,133,000. Net income for 2025 is now $6,152,000, or $0.99 per share, with dividends of $1.12 per share. Total assets reached $1,530,977,000 and deposits grew $91,557,000, with a notable shift from transactional deposits into retail CDs.
First Keystone Corporation amended a prior report about its first-quarter 2026 dividend to revise 2025 financial figures after adjusting its allowance for credit losses. The revised press release now shows assets of $1,530,977,000 at December 31, 2025, up 7.2% from year-end 2024.
Total loans are revised to $948,425,000, representing a slight decrease from $948,451,000 a year earlier. Net interest income for 2025 is updated to $37,651,000, an increase of 16.6% from 2024. Net income is reduced to $6,152,000, up 146.4% from 2024, with earnings per share revised to $0.99.
The company reaffirmed a $0.28 per share cash dividend for the first quarter of 2026, matching the first quarter of 2025, payable March 31, 2026 to shareholders of record on March 12, 2026.
First Keystone Corporation reported net income of $6,152,000 for 2025, reversing a prior-year net loss of $13,203,000 that was driven by a $19,133,000 goodwill impairment. Earnings per share were $0.99, while dividends per share held steady at $1.12.
Total interest income rose to $77,199,000, up 8.09%, as loan growth lifted interest and fees on real estate loans. Interest expense increased modestly to $39,548,000, up 1.03%, reflecting higher deposit costs offset by lower short-term borrowing costs.
At December 31, 2025, the company held total assets of $1,530,977,000, including net loans of $939,013,000. Return on average assets reached 0.41% and return on average equity was 5.60%. The allowance for credit losses was $9.4 million, or 0.98% of average total loans.
First Keystone Corporation, parent of First Keystone Community Bank, declared a $0.28 per share cash dividend for the first quarter of 2026. The dividend will be paid on March 31, 2026 to shareholders of record as of March 12, 2026.
The company notes that this quarterly dividend is the same amount paid in the first quarter of 2025, indicating a stable payout level. Management highlights that the bank achieved record balance sheet levels and maintained profitability during 2025, and expresses a positive outlook for serving customers and communities in 2026.
First Keystone Corporation, parent of First Keystone Community Bank, filed a Form 8-K to report that it announced its unaudited earnings for the period ending December 31, 2025. The related fourth quarter earnings press release is provided as Exhibit 99.1 and incorporated by reference into the report.
First Keystone Corp President & CEO Jack W. Jones reported two purchases of common stock totaling 1,400 shares on December 30, 2025, at prices of $18.50 and $18.4335 per share. Following these transactions, he directly holds 1,600 shares. This Form 4/A corrects an earlier purchase-price error.
First Keystone Corp reported an insider stock purchase by its President and CEO, who is also a director, Jack W. Jones. On 12/30/2025, Jones bought 1,400 shares of First Keystone Corporation common stock in an open-market transaction coded as a purchase. The shares were acquired at a price of $18.5 per share.
After this transaction, Jones directly owned 1,600 shares of First Keystone Corp common stock. The filing indicates that this report covers a single reporting person and shows only non-derivative securities, with no derivative positions listed in the derivative securities table.