Current Report · Items 2.02, 9.01 · 8-K

FIRST KEYSTONE CORP

FKYSOTCEQUITYCurrent

Results of Operations and Financial Condition

ITEM 2.02. RESULTS OF OPERATIONS AND FINANCIAL CONDITION On January 30, 2026, First Keystone Corporation, parent company of First Keystone Community Bank, announced its unaudited earnings for the period ending December 31, 2025. The press release announcing fourth quarter earnings is filed as Exhibit 99.1 and incorporated herein by reference.

Filed Jan 30, 2026Accepted Jan 30, 2026, 4:55 PM ESTCIK 737875Accession 0000737875-26-000003

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Press release in this filing

FOURTH QUARTER 2025 EARNINGS (UNAUDITED) →

Company context

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.

Current securities

FKYSOTC · EQUITY · Current

Recent company filings

Registered securities in this filing

FIRST KEYSTONE CORPORATION · 8-K · Filed 2026-01-30

As filed in this accession. Current/historical status below comes from the governed listing record; the cover itself remains exact to this filing.

Common Stock

Symbol: FKYS
Exchange: OTC
Classification: COMMON
Status: Current

Filing context

Context: Duration_1_30_2026_To_1_30_2026_z3GKFn00J0Wxu4mfU7LfRQ

Dimensions: Not supplied

Accession 000073787526000003 · 1 registered-security cover member

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Disclosure sections

Items 2.02, 9.01

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Item 2.02Item 2.02 - Results of Operations

Filed exhibits (1)

EX-99.1 (by filename) fkys-20260130xex99d1.htm

Exhibit 99.1 FIRST KEYSTONE ANNOUNCES FOURTH QUARTER 2025 EARNINGS (UNAUDITED) Berwick, Pennsylvania - January 30, 2026 - First Keystone Corporation (OTC: FKYS), parent company of First Keystone Community Bank, reported an increase in interest income by $5,843,000 or 8.2%, as compared to the year ended December 31, 2024. The increase was predominantly due to growth in commercial real estate loans. Total interest expense increased by $405,000 or 1.0% overall mainly due to an increase of $2,225,000 in interest expense related to deposits offset by a decrease of $1,820,000 in interest expense related to short- and long-term borrowings. Interest on short-term borrowings decreased by $1,731,000 as compared to December 31, 2024 mainly due to lower average balances of short-term borrowings throughout 2025 at $132,726,000 vs. $158,422,000 in 2024. The increased deposit interest for the year ended December 31, 2025 is mainly due to an increase of $3,152,000 in expense related to retail CDs and an increase of $1,226,000 in expense related to brokered CDs offset by a decrease of $2,153,000 in expense related to other retail deposits. Retail CD balances have increased $135,733,000 at Decemb…

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