Company research
FIRST KEYSTONE CORP
CIK 737875Updated Nov 3, 2026
SecurityFKYS · OTC · equity
FKYS price & chart
Loading TradingView…
OTC:FKYS on TradingView ↗About the company
First Keystone Corporation (OTCID: FKYS) is the parent company of First Keystone Community Bank, a community bank headquartered in Berwick, Pennsylvania. Founded in 1864, the Bank has total assets of $1.57 billion and serves customers through 19 full-service offices in Columbia, Luzerne, Monroe, Montour and Northampton counties. First Keystone Community Bank offers personal and business banking, mortgage and lending, trust and estate planning, and online and mobile banking services under the motto "Yesterday's Traditions. Tomorrow's Vision." Learn more at www.fkc.bank.
In the news
No coverage from other publishers is available.
Seeking Alpha
Recent filings
Results of Operations and Financial Condition
Items 2.02, 9.01
D filing
Items 06b
Entry into a Material Definitive Agreement · Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement · Regulation FD Disclosure
Items 1.01, 2.03, 7.01, 9.01
Other Events
Items 8.01
Other Events
Items 8.01, 9.01
Show 5 more recent filings
S-3D filing
10-Q filing
Results of Operations and Financial Condition
Items 2.02, 9.01
Other Events
Items 8.01, 9.01
4 filing
Financials
FY 2025 · USDSource
Source
Source
Source
balance sheet · annual statements
| Line item | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q2 2024 | Q1 2026 | Q1 2025 | Q1 2024 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ASSETS | ||||||||||||
| AssetsUSD | 1,582,377,000Source | 1,438,693,000Source | 1,574,315,000Source | 1,437,389,000Source | 1,418,228,000Source | 1,524,919,000Source | 1,435,230,000Source | 1,409,698,000Source | 1,530,977,000Source | 1,428,583,000Source | 1,415,870,000Source | 1,329,194,000Source |
| GoodwillUSD | 0Source | 0Source | — | 0Source | 0Source | — | 0Source | 0Source | 0Source | 0Source | 19,133,000Source | 19,133,000Source |
| Current assets: | ||||||||||||
| Cash and Cash Equivalents, at Carrying ValueUSD | 147,255,000Source | 24,024,000Source | 187,961,000Source | 39,053,000Source | 16,271,000Source | 136,839,000Source | 18,792,000Source | 15,241,000Source | 121,249,000Source | 17,254,000Source | 17,013,000Source | 10,738,000Source |
| Operating Lease, Right-of-Use AssetUSD | 1,353,000Source | 1,427,000Source | 1,304,000Source | 1,380,000Source | 1,453,000Source | 1,332,000Source | 1,407,000Source | 1,479,000Source | 1,326,000Source | 1,400,000Source | 1,472,000Source | 1,541,000Source |
| LIABILITIES AND EQUITY | ||||||||||||
| LiabilitiesUSD | 1,470,125,000Source | 1,331,349,000Source | 1,455,859,000Source | 1,329,842,000Source | 1,317,134,000Source | 1,410,744,000Source | 1,328,746,000Source | 1,305,987,000Source | 1,417,917,000Source | 1,321,801,000Source | 1,294,255,000Source | 1,208,808,000Source |
| Stockholders’ equity: | ||||||||||||
| Preferred Stock, Value, IssuedUSD | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source |
| Common Stock, Value, IssuedUSD | 12,955,000Source | 12,834,000Source | 13,108,000Source | 12,901,000Source | 12,834,000Source | 13,055,000Source | 12,901,000Source | 12,770,000Source | 13,007,000Source | 12,901,000Source | 12,705,000Source | 12,502,000Source |
| Retained Earnings (Accumulated Deficit)USD | 81,700,000Source | 79,601,000Source | 81,544,000Source | 80,633,000Source | 79,826,000Source | 79,530,000Source | 79,460,000Source | 80,169,000Source | 79,327,000Source | 80,148,000Source | 100,260,000Source | 100,712,000Source |
| Accumulated Other Comprehensive Income (Loss), Net of TaxUSD | -22,178,000Source | -24,122,000Source | -17,204,000Source | -25,350,000Source | -30,597,000Source | -19,003,000Source | -25,240,000Source | -27,919,000Source | -19,453,000Source | -25,630,000Source | -29,645,000Source | -29,558,000Source |
| Stockholders' Equity Attributable to ParentUSD | 112,252,000Source | 107,344,000Source | 118,456,000Source | 107,547,000Source | 101,094,000Source | 114,175,000Source | 106,484,000Source | 103,711,000Source | 113,060,000Source | 106,782,000Source | 121,615,000Source | 120,386,000Source |
| Additional Paid in Capital, Common StockUSD | 45,484,000Source | 44,740,000Source | — | 45,072,000Source | 44,740,000Source | 46,302,000Source | 45,072,000Source | 44,400,000Source | 45,888,000Source | 45,072,000Source | 44,004,000Source | 42,439,000Source |
| Liabilities and EquityUSD | 1,582,377,000Source | 1,438,693,000Source | 1,574,315,000Source | 1,437,389,000Source | 1,418,228,000Source | 1,524,919,000Source | 1,435,230,000Source | 1,409,698,000Source | 1,530,977,000Source | 1,428,583,000Source | 1,415,870,000Source | 1,329,194,000Source |
| Deferred Income Tax Liabilities, NetUSD | — | — | — | — | — | — | — | — | — | — | — | 0Source |
| Additional Paid in Capital | — | — | —Source | — | — | — | — | — | — | — | — | — |
cash flow · annual statements
| Line item | Q4 2025 | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash flows from operating activities: | ||||||||||||
| Net Income (Loss), Including Portion Attributable to Noncontrolling InterestUSD | — | — | — | — | — | — | 1,959,000Source | 1,053,000Source | 6,152,000Source | -13,203,000Source | 5,560,000Source | — |
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||||||||||
| Depreciation and amortization | — | — | — | — | — | — | —Source | —Source | —Source | —Source | —Source | —Source |
| Deferred Income Tax Expense (Benefit)USD | — | — | — | — | — | — | 34,000Source | -105,000Source | -394,000Source | -59,000Source | 253,000Source | 114,000Source |
| Net Cash Provided by (Used in) Operating ActivitiesUSD | — | — | — | — | — | — | 2,195,000Source | 308,000Source | 11,163,000Source | 8,168,000Source | 5,905,000Source | 16,528,000Source |
| Cash flows from investing activities: | ||||||||||||
| Net Cash Provided by (Used in) Investing ActivitiesUSD | — | — | — | — | — | — | 21,598,000Source | -2,404,000Source | 4,907,000Source | -33,158,000Source | -76,833,000Source | -93,634,000Source |
| Payments to Acquire Property, Plant, and EquipmentUSD | — | — | — | — | — | — | 84,000Source | 141,000Source | 313,000Source | 1,728,000Source | 1,656,000Source | 1,892,000Source |
| Cash flows from financing activities: | ||||||||||||
| Net Cash Provided by (Used in) Financing ActivitiesUSD | — | — | — | — | — | — | -8,203,000Source | 3,634,000Source | 87,925,000Source | 25,231,000Source | 77,203,000Source | 26,506,000Source |
| Payments of Ordinary Dividends, Common StockUSD | — | — | — | — | — | — | — | 1,741,000Source | — | 5,168,000Source | 6,780,000Source | 6,690,000Source |
| Repayments of Long-term DebtUSD | — | — | — | — | — | — | — | — | 0Source | 20,000,000Source | 3,000,000Source | 10,000,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate EffectUSD | — | — | — | — | — | — | 15,590,000Source | 1,538,000Source | 103,995,000Source | 241,000Source | 6,275,000Source | -50,600,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash EquivalentsUSD | — | — | 17,254,000Source | 17,013,000Source | 187,961,000Source | 39,053,000Source | 136,839,000Source | 18,792,000Source | 121,249,000Source | 17,254,000Source | 17,013,000Source | 10,738,000Source |
| Supplemental disclosure of cash flow information: | ||||||||||||
| Interest Paid, Excluding Capitalized Interest, Operating ActivitiesUSD | — | — | — | — | — | — | 10,166,000Source | 9,054,000Source | 38,965,000Source | 40,663,000Source | 25,612,000Source | 8,601,000Source |
| Income Taxes Paid, NetUSD | — | — | — | — | — | — | 3,000Source | 0Source | 883,000Source | -8,000Source | 318,000Source | 2,289,000Source |
| Additional Financial Items | ||||||||||||
| Bank Owned Life Insurance IncomeUSD | — | — | 172,000Source | 172,000Source | 174,000Source | 155,000Source | 170,000Source | 165,000Source | 666,000Source | 669,000Source | 621,000Source | 597,000Source |
| Debt and Equity Securities, Gain (Loss)USD | — | — | 109,000Source | 146,000Source | 374,000Source | 105,000Source | 174,000Source | -86,000Source | 224,000Source | 105,000Source | -118,000Source | -846,000Source |
| Debt Securities, Available-for-sale, Realized Gain (Loss)USD | — | — | — | — | 0Source | 0Source | 0Source | 0Source | 0Source | — | — | — |
| DepreciationUSD | — | — | — | — | — | — | — | — | 1,194,000Source | 1,063,000Source | 1,050,000Source | 1,026,000Source |
| Equipment ExpenseUSD | — | — | 218,000Source | 167,000Source | 209,000Source | 211,000Source | 216,000Source | 192,000Source | 836,000Source | 676,000Source | 637,000Source | 594,000Source |
| Equity Securities, FV-NI, Realized Gain (Loss)USD | — | — | — | — | — | — | — | 0Source | 0Source | 0Source | 0Source | — |
| Equity Securities, FV-NI, Unrealized Gain (Loss)USD | — | — | 109,000Source | 146,000Source | 374,000Source | 105,000Source | 174,000Source | -86,000Source | 224,000Source | 105,000Source | -217,000Source | — |
| Equity Securities without Readily Determinable Fair Value, Impairment Loss, Annual AmountUSD | — | — | — | — | — | — | — | — | 0Source | — | — | — |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalUSD | — | — | 255,000Source | 718,000Source | -299,000Source | -237,000Source | -390,000Source | 751,000Source | 4,701,000Source | — | — | — |
| Gain (Loss) on Sale of Mortgage LoansUSD | — | — | — | — | — | — | 46,000Source | 20,000Source | 143,000Source | 80,000Source | 65,000Source | -7,000Source |
| Gain (Loss) on Disposition of Property Plant EquipmentUSD | — | — | — | — | — | — | — | 0Source | -17,000Source | -14,000Source | -19,000Source | -16,000Source |
| Gain (Loss) on Sales of Loans, NetUSD | — | — | 59,000Source | 40,000Source | 13,000Source | 18,000Source | 46,000Source | 20,000Source | 143,000Source | 80,000Source | 65,000Source | -7,000Source |
| GoodwillUSD | — | — | 0Source | 0Source | — | 0Source | — | 0Source | 0Source | 0Source | 19,133,000Source | 19,133,000Source |
| Goodwill, Impairment LossUSD | — | — | — | — | — | — | — | 0Source | 0Source | 19,133,000Source | 0Source | 0Source |
| Income Tax Expense (Benefit)USD | — | — | 345,000Source | -31,000Source | 545,000Source | 365,000Source | 202,000Source | 76,000Source | 213,000Source | -45,000Source | 684,000Source | 2,294,000Source |
| Marketable Securities, Gain (Loss), Excluding Other-than-temporary Impairment LossUSD | — | — | 109,000Source | 146,000Source | 374,000Source | 105,000Source | 174,000Source | -86,000Source | 224,000Source | 105,000Source | -217,000Source | — |
| Marketable Securities, Realized Gain (Loss), Excluding Other-than-temporary Impairment LossUSD | — | — | — | — | — | — | 174,000Source | -86,000Source | 224,000Source | 105,000Source | -118,000Source | -846,000Source |
| Net Income (Loss) Attributable to ParentUSD | — | — | 2,808,000Source | 1,507,000Source | 3,777,000Source | 2,914,000Source | 1,959,000Source | 1,053,000Source | 6,152,000Source | -13,203,000Source | 5,560,000Source | 14,024,000Source |
| Net Income (Loss) Available to Common Stockholders, BasicUSD | — | — | 2,808,000Source | 1,507,000Source | 3,777,000Source | 2,914,000Source | 1,959,000Source | 1,053,000Source | 6,152,000Source | -13,203,000Source | 5,560,000Source | 14,024,000Source |
| Other Interest and Dividend IncomeUSD | — | — | 216,000Source | 253,000Source | 206,000Source | 195,000Source | 201,000Source | 199,000Source | 816,000Source | 928,000Source | 669,000Source | 264,000Source |
| Proceeds from Issuance of Common StockUSD | — | — | — | — | — | — | — | 0Source | — | — | — | 1,635,000Source |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-saleUSD | — | — | — | — | — | — | 10,543,000Source | 13,126,000Source | 58,380,000Source | 69,878,000Source | 41,700,000Source | 51,943,000Source |
| Provision for Loan, Lease, and Other LossesUSD | — | — | — | 718,000Source | — | -237,000Source | — | 751,000Source | 4,701,000Source | 1,640,000Source | -217,000Source | -264,000Source |
| Financing Receivable, Credit Loss, Expense (Reversal)USD | — | — | — | — | — | — | -390,000Source | 751,000Source | 4,701,000Source | 1,640,000Source | -217,000Source | — |
income statement · annual statements
| Line item | Q4 2025 | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling InterestUSD | — | — | 3,153,000Source | 1,476,000Source | 4,322,000Source | 3,279,000Source | 2,161,000Source | 1,129,000Source | 6,365,000Source | -13,248,000Source | 6,244,000Source | 16,318,000Source |
| Income Tax Expense (Benefit)USD | — | — | 345,000Source | -31,000Source | 545,000Source | 365,000Source | 202,000Source | 76,000Source | 213,000Source | -45,000Source | 684,000Source | 2,294,000Source |
| Net Income (Loss) Attributable to ParentUSD | — | — | 2,808,000Source | 1,507,000Source | 3,777,000Source | 2,914,000Source | 1,959,000Source | 1,053,000Source | 6,152,000Source | -13,203,000Source | 5,560,000Source | 14,024,000Source |
| Earnings Per Share, BasicUSD per share | — | — | 0.45Source | 0.25Source | 0.6Source | 0.47Source | 0.31Source | 0.17Source | 0.99Source | -2.14Source | 0.91Source | 2.35Source |
| Earnings Per Share, DilutedUSD per share | — | — | 0.45Source | 0.25Source | 0.6Source | 0.47Source | 0.31Source | 0.17Source | 0.99Source | -2.14Source | 0.91Source | 2.35Source |
| Weighted Average Number of Shares Outstanding, Basicshares | — | — | 6,219,000Source | 6,185,000Source | 6,297,000Source | 6,219,000Source | 6,272,000Source | 6,219,000Source | 6,226,000Source | 6,170,000Source | 6,054,000Source | 5,974,000Source |
| Weighted Average Number of Shares Outstanding, Dilutedshares | — | — | 6,219,000Source | 6,185,000Source | 6,297,000Source | 6,219,000Source | 6,272,000Source | 6,219,000Source | 6,226,000Source | — | — | — |
| Additional Financial Items | ||||||||||||
| Bank Owned Life Insurance IncomeUSD | — | — | 172,000Source | 172,000Source | 174,000Source | 155,000Source | 170,000Source | 165,000Source | 666,000Source | 669,000Source | 621,000Source | 597,000Source |
| Common Stock, Dividends, Per Share, DeclaredUSD per share | — | — | 0.28Source | 0.28Source | 0.28Source | 0.28Source | 0.28Source | 0.28Source | 1.12Source | 1.12Source | 1.12Source | 1.12Source |
| Current Income Tax Expense (Benefit)USD | — | — | — | — | — | — | — | — | 607,000Source | — | — | — |
| Debt and Equity Securities, Gain (Loss)USD | — | — | 109,000Source | 146,000Source | 374,000Source | 105,000Source | 174,000Source | -86,000Source | 224,000Source | 105,000Source | -118,000Source | -846,000Source |
| Depreciation, Depletion and Amortization, NonproductionUSD | — | — | — | — | — | — | 348,000Source | 269,000Source | 1,277,000Source | 946,000Source | 798,000Source | 1,056,000Source |
| Equipment ExpenseUSD | — | — | 218,000Source | 167,000Source | 209,000Source | 211,000Source | 216,000Source | 192,000Source | 836,000Source | 676,000Source | 637,000Source | 594,000Source |
| Equity Securities, FV-NI, Realized Gain (Loss)USD | — | — | — | — | — | — | — | 0Source | 0Source | 0Source | 0Source | — |
| Equity Securities without Readily Determinable Fair Value, Impairment Loss, Annual AmountUSD | — | — | — | — | — | — | — | — | 0Source | — | — | — |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalUSD | — | — | 255,000Source | 718,000Source | -299,000Source | -237,000Source | -390,000Source | 751,000Source | 4,701,000Source | — | — | — |
| Goodwill, Impairment LossUSD | — | — | — | — | — | — | — | 0Source | 0Source | 19,133,000Source | 0Source | 0Source |
| Interest ExpenseUSD | — | — | — | 10,088,000Source | — | — | — | — | — | — | 27,872,000Source | 8,913,000Source |
| InterestExpenseOperatingUSD | — | — | 10,256,000Source | 10,088,000Source | 9,660,000Source | 9,379,000Source | 10,111,000Source | 9,440,000Source | 39,548,000Source | 39,143,000Source | — | — |
| Interest Income (Expense), NetUSD | — | — | 9,504,000Source | 8,154,000Source | 10,316,000Source | 9,505,000Source | 9,131,000Source | 8,770,000Source | 37,651,000Source | 32,279,000Source | 29,116,000Source | 37,500,000Source |
| Labor and Related ExpenseUSD | — | — | 4,073,000Source | 4,375,000Source | 4,228,000Source | 4,303,000Source | 4,967,000Source | 4,630,000Source | 17,879,000Source | 17,228,000Source | 16,055,000Source | 14,554,000Source |
| Marketable Securities, Realized Gain (Loss), Excluding Other-than-temporary Impairment LossUSD | — | — | — | — | — | — | 174,000Source | -86,000Source | 224,000Source | 105,000Source | -118,000Source | -846,000Source |
| Net Income (Loss) Available to Common Stockholders, BasicUSD | — | — | 2,808,000Source | 1,507,000Source | 3,777,000Source | 2,914,000Source | 1,959,000Source | 1,053,000Source | 6,152,000Source | -13,203,000Source | 5,560,000Source | 14,024,000Source |
| Other Interest and Dividend IncomeUSD | — | — | 216,000Source | 253,000Source | 206,000Source | 195,000Source | 201,000Source | 199,000Source | 816,000Source | 928,000Source | 669,000Source | 264,000Source |
Filing attachments
fkys-ex99d1.htm · 8-K · 2026-11-02
Exhibit 99.1 FIRST KEYSTONE ANNOUNCES THIRD QUARTER 2026 EARNINGS (UNAUDITED) Berwick, Pennsylvania - October 30, 2026 - First Keystone Corporation (OTCID: FKYS), parent company of First Keystone Community Bank, reported an increase in total interest income of $3,195,000 or 5.6%, as compared to the nine months ended September 30, 2025. The increase was predominantly due to interest earned on increased balances of interest-bearing deposits held at the Federal Reserve Bank compared to the same …
Read attachment ↗fkys-ex4d1.htm · 8-K · 2026-10-01
Exhibit 4.1 FIRST KEYSTONE CORPORATION 7.50% FIXED-TO-FLOATING RATE SUBORDINATED NOTE DUE 2036 THE INDEBTEDNESS EVIDENCED BY THIS SUBORDINATED NOTE IS NOT A DEPOSIT AND IS NOT INSURED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION OR ANY OTHER GOVERNMENT AGENCY OR FUND. THE INDEBTEDNESS EVIDENCED BY THIS SUBORDINATED NOTE IS SUBORDINATED AND JUNIOR IN RIGHT OF PAYMENT TO SENIOR INDEBTEDNESS (AS DEFINED IN SECTION 3 (SUBORDINATION) OF THIS SUBORDINATED NOTE) OF FIRST KEYSTONE CORPORATION (THE “…
Read attachment ↗fkys-ex99d1.htm · 8-K · 2026-10-01
Exhibit 99.1 FOR IMMEDIATE RELEASE September 30, 2026 Contact: Jack W. Jones, President and Chief Executive Officer First Keystone Corporation (570) 752-3671 jack.jones@fkc.bank First Keystone Corporation (OTCID: FKYS) Closes $32.5 Million Capital Offering BERWICK, Penn. - First Keystone Corporation (OTCID: FKYS) (“First Keystone” or the “Company”), the holding company for First Keystone Community Bank, announced today that it has …
Read attachment ↗fkys-ex99d2.htm · 8-K · 2026-10-01
Exhibit 99.2 35-31-32 1-86-151 Secondary Primary Font Color 0-0-0 195-178-103 Private Placement of Subordinated Notes CONFIDENTIAL September 10, 2026 First Keystone Corporation Holding Company for: FOR INSTITUTIONAL USE ONLY ─────────────────────────────────────────── 35-31-32 1-86-151 Secondary Primary Font Color 0-0-0 195-178-103 Notice to Recipients 2 This confidential presentation (this “Presentation”) has been prepared solely for general informational purp…
Read attachment ↗fkys-20260827xex99d1.htm · 8-K · 2026-08-27
EX-99.1 2 fkys-20260827xex99d1.htm EX-99.1 Exhibit 99.1 FIRST KEYSTONE CORPORATION ANNOUNCES THIRD QUARTER DIVIDEND Berwick, Pennsylvania - August 27, 2026 - First Keystone Corporation (the “Corporation”) (OTCID: FKYS), parent company of First Keystone Community Bank, declared a $0.28 per share quarterly cash dividend to shareholders of record as of September 10, 2026, payable September 30, 2026. Total cash dividends will be $0.84 per share year-to-date as of September 30, 2026, the same…
Read attachment ↗fkys-20260730xex99d1.htm · 8-K · 2026-08-03
EX-99.1 2 fkys-20260730xex99d1.htm EX-99.1 Exhibit 99.1 FIRST KEYSTONE ANNOUNCES SECOND QUARTER 2026 EARNINGS (UNAUDITED) Berwick, Pennsylvania - July 30, 2026 - First Keystone Corporation (OTCID: FKYS), parent company of First Keystone Community Bank, reported an increase in total interest income of $2,124,000 or 5.7%, as compared to the six months ended June 30, 2025. The increase was predominantly due to interest earned on increased balances of interest-bearing deposits held at the Fed…
Read attachment ↗