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BCS

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 October 30, 2026, First Keystone Corporation, parent company of First Keystone Community Bank, announced its unaudited earnings for the period ending September 30, 2026. The press release announcing third quarter earnings is filed as Exhibit 99.1 and incorporated herein by reference.

Filed Nov 2, 2026Accepted Nov 2, 2026, 3:14 PM ESTCIK 737875Accession 0000737875-26-000039
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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

Recent company filings

  1. D filingOct 13, 2026
  2. Entry into a Material Definitive Agreement · Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement · Regulation FD DisclosureOct 1, 2026
  3. Other EventsAug 28, 2026
  4. Other EventsAug 27, 2026
  5. S-3D filingAug 7, 2026

Registered securities in this filing

FIRST KEYSTONE CORPORATION · 8-K · Filed 2026-11-02

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_10_30_2026_To_10_30_2026_d82H6CpSikGumyE7LZx1Og

Dimensions: Not supplied

Accession 000073787526000039 · 1 registered-security cover member

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Disclosure sections

Items 2.02, 9.01

Select an item to read the extracted section. The as-filed document remains the primary evidence.

Item 2.02Item 2.02 - Results of Operations
ITEM 2.02. RESULTS OF OPERATIONS AND FINANCIAL CONDITION On October 30, 2026, First Keystone Corporation, parent company of First Keystone Community Bank, announced its unaudited earnings for the period ending September 30, 2026. The press release announcing third quarter earnings is filed as Exhibit 99.1 and incorporated herein by reference.
Filed exhibits (1)
EX-99.1 (by filename) fkys-ex99d1.htm

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 period in 2025. Total interest expense increased by $957,000 or 3.3% overall, mainly due to an increase of $675,000 in interest expense related to interest paid on the Bank’s outstanding subordinated debt due to the contracted change from fixed to floating rate which transpired in 2026. The rate paid on the subordinated debt increased from 4.375% fixed to a floating rate which was equivalent to 7.745% as of the September 30, 2026 interest payment. The net effect of derivative agreements decreased net interest income by $809,000 for the nine months ended September 30, 2026 and increased net interest income by $586,000 for the nine months ended September 30, 2025. These derivative agreements a…

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