FKYS on OTC

FIRST KEYSTONE CORP

FIRST KEYSTONE CORP is an American state commercial bank, incorporated in Pennsylvania.1 It is headquartered in Berwick, Pennsylvania.1 Its shares trade on OTC under the symbol FKYS.1

Price unavailable

Last updated Oct 20, 2026.

Overview

Compare with another stock.

  • TickerFKYS on OTC1
  • IndustryState Commercial Banks1
  • HeadquartersBerwick, Pennsylvania1
  • Incorporated inPA2
  • Business address111 W Front St, Po Box 289, Berwick, Pa 186032
  • Filer categoryNon-accelerated filer, Smaller reporting company2

See how the biggest companies compare on our leaderboards

First Keystone Corporation (the “Corporation”) is a Pennsylvania business corporation, and a bank holding company, registered with and supervised by the Board of Governors of the Federal Reserve System (the “Federal Reserve Board”). The Corporation was incorporated on July 6, 1983, and commenced operations on July 2, 1984, upon consummation of the acquisition of all of the outstanding stock of First National Bank of Berwick (the predecessor to First Keystone Community Bank). The Corporation has one wholly-owned subsidiary, First Keystone Community Bank (the “Bank”), which has a commercial banking operation and trust department as its major lines of business. Since commencing operations, the Corporation’s business has consisted primarily of managing and supervising the Bank, and its principal source of income has been dividends paid by the Bank. Greater than 100% of the Corporation’s reve…3 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Products and services

Banking brought in 69% of the revenue FIRST KEYSTONE CORP broke down this way in fiscal 2025.

  1. Banking$2.4M469%up 5% from 2024
  2. Fiduciary and Trust$1.1M431%up 2% from 2024
Products and services by year
Products and services20242025
Banking$2.2M$2.4M
Fiduciary and Trust$1.1M$1.1M

Financial statements

Net income567894$6.2M in 2025−40% since 2019
-$20.0M-$10.0M0$10.0M$20.0M2019: $10.2M$10.2M20192020: $11.8M$11.8M2020+16%2021: $14.7M$14.7M2021+24%2022: $14.0M$14.0M2022−5%2023: $5.6M$5.6M2023−60%2024: -$13.2M-$13.2M20242025: $6.2M$6.2M2025

Every line of the income statement as filed: the last 2 fiscal years, latest first.4

Period ending2025-12-312024-12-31
Interest and fees on loans$57.3M$51.2M
Taxable$15.8M$17.7M
Tax-exempt$935.0K$1.1M
Dividends$67.0K$57.0K
Dividend income on restricted investment in bank stocks$816.0K$928.0K
Interest on interest-bearing deposits in other banks$2.3M$433.0K
Total interest income$77.2M$71.4M
Interest on deposits$27.5M$25.3M
Interest on short-term borrowings$6.0M$7.7M
Interest on long-term borrowings$5.0M$5.1M
Interest on subordinated debt$1.1M$1.1M
Total interest expense$39.5M$39.1M
Net interest income$37.7M$32.3M
Provision for credit losses$4.7M$1.6M
Net interest income after provision for credit losses$33.0M$30.6M
Increase in cash surrender value of life insurance$666.0K$669.0K
ATM fees and debit card income$2.3M$2.2M
Net gains on sales of mortgage loans$143.0K$80.0K
Net securities gains$224.0K$105.0K
Gains from life insurance proceeds$255.0K$0
Other$340.0K$317.0K
Total non-interest income$7.3M$6.7M
Salaries and employee benefits$17.9M$17.2M
Occupancy, net$2.3M$2.2M
Furniture and equipment expense$836.0K$676.0K
Computer expense$1.7M$1.5M
Professional services$1.6M$1.6M
Pennsylvania shares tax$1.1M$1.1M
FDIC insurance, net$1.3M$1.1M
ATM and debit card fees$1.2M$1.0M
Data processing fees$1.5M$1.0M
Advertising$449.0K$560.0K
Goodwill impairment$0$19.1M
Other$4.1M$3.5M
Total non-interest expense$33.9M$50.6M
Income (loss) before income tax (benefit) expense$6.4M-$13.2M
Income tax expense (benefit)$213.0K-$45.0K
NET INCOME (LOSS)$6.2M-$13.2M
Basic$0.99-$2.14
Diluted$0.99-$2.14
Dividends per share$1.12$1.12

Compare FIRST KEYSTONE CORP with another company

What it owns

What FIRST KEYSTONE CORP reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Finance-lease assets$29.0K4 Dec 31, 2025$04 Dec 31, 2024
Operating-lease assets (leased space)$1.3M4 Dec 31, 2025$1.4M4 Dec 31, 2024−5.3%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$121.2M4 Dec 31, 2025$17.3M4 Dec 31, 2024+602.7%
Equity securities at fair value$1.8M4 Dec 31, 2025$1.6M4 Dec 31, 2024+14.1%
Loans, net of allowance$939.0M4 Dec 31, 2025$940.8M4 Dec 31, 2024−0.2%
Deposits held (banks)$1.1B4 Dec 31, 2025$1.0B4 Dec 31, 2024+8.8%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$04 Dec 31, 2025$04 Dec 31, 2024

Properties, in its own words

The Corporation and its subsidiary occupy nineteen branch locations in Columbia, Luzerne, Montour, Monroe and Northampton Counties in Pennsylvania, which are used principally as banking offices. As of December 31, 2025, the Corporation and its subsidiary owned 19 properties and leased 3 properties.

Item 2 of the 10-K filed Mar 30, 2026.3

Leadership

Who has led FIRST KEYSTONE CORP, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. J. Gerald Bazewicz2008
  2. Matthew P. Prosseda2011–2013
  3. Elaine A. Woodland2020
  4. Jack W. Jones2025–now

Chair

  1. Robert E. Bull2006–2016
  2. Robert Alvin Bull2017–now

President

  1. J. Gerald Bazewicz2006–2011
  2. Matthew P. Prosseda2012–2013
  3. Elaine A. Woodland2020
  4. Jack W. Jones2025–now

Chief financial officer

  1. Diane Carol Arnett Rosler2010–2013
  2. Stacy Lynn Gordner2025–now

Chief operating officer

  1. Kevin Lee Miller2010–2012
2010201520202025
Board members and other officers (34)

Timeline

  1. Oct 1, 20268-K Entered a material agreement; New debt or obligation; Regulation FD disclosure52
  2. Aug 28, 20268-K Other events53
  3. Aug 27, 20268-K Other events54
  4. Aug 3, 20268-K Results of operations55
  5. May 28, 20268-K Other events56
  6. May 26, 20268-K Shareholder vote; Regulation FD disclosure57
  7. May 1, 20268-K Results of operations58
  8. Mar 31, 20268-K Other events59
  9. Mar 31, 20268-K Results of operations60
  10. Mar 4, 20268-K Other events61
  11. Jan 30, 20268-K Results of operations62
  12. Dec 29, 20258-K Executive or director change63
  13. Feb 7, 2025New chief executive Jack W. Jones becomes CEO13
  14. Dec 22, 2020New chief executive Elaine A. Woodland becomes CEO14
  15. Sep 26, 2011New chief executive Matthew P. Prosseda becomes CEO15
  16. Jan 18, 2008New chief executive J. Gerald Bazewicz becomes CEO16

Calendar

Coming up

  1. Around Nov 5, 2026Next results, estimated About a quarter after its last report. The company hasn't announced the date.

When it reported results

  1. Aug 3, 2026Reported quarterly or annual results55
  2. May 1, 2026Reported quarterly or annual results58
  3. Mar 31, 2026Reported quarterly or annual results60
  4. Jan 30, 2026Reported quarterly or annual results62
  5. Oct 31, 2025Reported quarterly or annual results64
  6. Jul 30, 2025Reported quarterly or annual results65
  7. Apr 29, 2025Reported quarterly or annual results66
  8. Jan 31, 2025Reported quarterly or annual results67

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

142 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 56 major events, 57 insider forms, 1 private raises, 8 other. The latest 20:

  1. Oct 13, 2026D EDGAR
  2. Oct 1, 20268-K EDGAR
  3. Aug 28, 20268-K EDGAR
  4. Aug 27, 20268-K EDGAR
  5. Aug 7, 2026S-3D EDGAR
  6. Aug 6, 202610-Q EDGAR
  7. Aug 3, 20268-K EDGAR
  8. Jun 23, 20264 PRIMARY DOCUMENT EDGAR
  9. May 28, 20264 PRIMARY DOCUMENT EDGAR
  10. May 28, 20264 PRIMARY DOCUMENT EDGAR
  11. May 28, 20268-K EDGAR
  12. May 27, 20264 PRIMARY DOCUMENT EDGAR
  13. May 26, 20268-K EDGAR
  14. May 8, 202610-Q EDGAR
  15. May 1, 20268-K EDGAR
  16. Apr 8, 2026DEF 14A EDGAR
  17. Mar 31, 20268-K/A EDGAR
  18. Mar 31, 20268-K/A EDGAR
  19. Mar 30, 202610-K EDGAR
  20. Mar 4, 20268-K EDGAR

The 142 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

38 open-market trades by officers, directors and large owners since October 2021: 38 buys and 0 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Jun 23, 2026Bower Donald MatthewDirectorBuy4,275$17.70$75.7KForm 4
May 28, 2026Bower Donald MatthewDirectorBuy1,000$18.00$18.0KForm 4
May 27, 2026Jezewski Michael LDirectorBuy548$17.96$9.8KForm 4
May 26, 2026Karas Michelle M.SVP & COOBuy635$19.00$12.1KForm 4
Dec 30, 2025Jones Jack W.President & CEOBuy1,400$18.45$25.8KForm 4
Dec 30, 2025Jones Jack W.President & CEOBuy1,400$18.50$25.9KForm 4
Sep 12, 2025Jezewski Michael LDirectorBuy104$17.27$1.8KForm 4
Aug 21, 2025Karas Michelle M.SVP & COOBuy200$17.50$3.5KForm 4
May 30, 2025BULL ROBERT ALVINChairmanBuy3,022$15.00$45.3KForm 4
May 28, 2025Jones Jack W.President & CEOBuy200$15.00$3.0KForm 4
Feb 26, 2025Jezewski Michael LDirectorBuy1,886$14.10$26.6KForm 4
Nov 25, 2024Littlewood Jonathan RobertSenior Vice PresidentBuy15$15.56$233Form 4
Nov 15, 2024Bower Donald MatthewDirectorBuy1,500$16.00$24.0KForm 4
Jun 23, 2023Holloway Whitney BDirectorBuy88$18.00$1.6KForm 4
Jun 23, 2023Bower Donald MatthewDirectorBuy540$18.00$9.7KForm 4
May 25, 2023Jezewski Michael LDirectorBuy73$17.93$1.3KForm 4
May 12, 2023Littlewood Jonathan RobertSenior Vice PresidentBuy6$18.75$112Form 4
May 1, 2023Holloway Whitney BDirectorBuy19$20.00$380Form 4
May 1, 2023Bower Donald MatthewDirectorBuy656$20.00$13.1KForm 4
May 1, 2023MARR NANCY JEANDirectorBuy662$20.00$13.2KForm 4

All 38 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

SEC filer profile

How FIRST KEYSTONE CORP is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARFIRST KEYSTONE CORP1
  • CIK0000737875
  • Employer ID (EIN)23-22490833
  • Filer statusNon-accelerated filer not an emerging growth company; a smaller reporting company; not a shell company3
  • Incorporated inPennsylvania3
  • Fiscal year endsDecember 311
  • Industry code (SIC)6022 State Commercial Banks1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address111 W Front St, Po Box 289, Berwick, PA 186031
  • Mailing address111 West Front Street, Po Box 289, Berwick, PA 186031
  • Phone570-752-3671 X 11751
  • Shares outstanding6,322,401 as of Aug 5, 202611
  • Public float$84.8M as of Jun 30, 20253
  • AuditorBaker Tilly US, LLP, Milwaukee, Wisconsin PCAOB ID 23; no auditor attestation of internal control over financial reporting3
  • On EDGAR sinceMay 11, 19951
  • Filings767 in all: 8-K (243), 4 (230), 10-Q (89), 10-K (29), DEF 14A (27), 3 (21), 5 (20), SC 13G/A (18)1
    All 34 form types

    ARS (10), SC 13G (9), 4/A (8), 8-K/A (8), 10-Q/A (7), 10QSB (6), CORRESP (5), S-3D (4), UPLOAD (4), 10-K/A (3), DEFA14A (3), 10KSB (2), 424B3 (2), 425 (2), D (2), EFFECT (2), NT 10-Q (2), SC 13D (2), SC 13D/A (2), 11-K (1), NT 10-K (1), PRE 14A (1), S-3 (1), S-3/A (1), S-4 (1), S-4/A (1)

  • Latest filingsAnnual report (10-K) Mar 30, 2026
    Quarterly report (10-Q) Aug 6, 2026
    Proxy statement (DEF 14A) Apr 8, 2026
    Latest 8-K (8-K) Oct 1, 2026

Risk factors and legal proceedings

The risks FIRST KEYSTONE CORP names in Item 1A of its 10-K filed Mar 30, 2026: 29 risks under these headings, as written.3

  • Business Risks
  • The Corporation is subject to interest rate risk.
  • The Corporation is subject to lending risk.
  • If the Corporation’s Allowance for Credit Losses is not sufficient to cover actual credit losses, earnings could decrease.
  • The Corporation’s operations of its business, including its transactions with customers, are increasingly done electronically, and this has increased its risks related to cybersecurity.
  • The Corporation’s communication, information and technology systems may experience an interruption or breach in security.
  • The Corporation may use artificial intelligence (AI) in its business, and challenges with properly managing its use could result in disruption of its internal operations, reputational harm, competitive harm, legal liability and adversely affect the Corporation’s results of operations and stock price.
  • Severe weather, natural disasters, disease pandemics and epidemics, acts of war or terrorism and other external events could significantly impact the Corporation’s business.
  • The Corporation operates in a highly competitive industry.
  • New lines of business or new products and services may subject the Corporation to additional risks.
  • The Basel III capital requirements may require the Corporation to maintain higher levels of capital, which could reduce its profitability.
  • If the Corporation concludes that any debt securities are carrying a potential loss, the Corporation will be required to establish an allowance for expected credit losses.
The other 18 risks
  • If the Corporation concludes that any equity securities are impaired, the Corporation will be required to record a loss equivalent to the difference between the cost and fair value of the respective equity securities.
  • Past and future bank failures may adversely affect the national, regional, and local business environment, results of operation, and capital.
  • Economic and Strategic Risks
  • The changes in control of the United States government and issues relating to debt and the deficit may adversely affect the Corporation.
  • The Corporation’s profitability depends significantly on economic conditions in the Commonwealth of Pennsylvania.
  • Changes to trade policies and tariffs can have an adverse impact on the Corporation’s business and its customers.
  • The Corporation’s future acquisitions could dilute stockholders’ ownership and may cause the Corporation to become more susceptible to adverse economic events.
  • The Corporation may not be able to attract and retain skilled people.
  • The Corporation is subject to extensive government regulation and supervision.
  • The Corporation is subject to claims and litigation pertaining to fiduciary responsibility.
  • The trading volume in the Corporation’s common stock is less than that of other larger financial services companies.
  • The Corporation’s controls and procedures may fail or be circumvented.
  • The Corporation continually encounters technological change.
  • The Corporation may need or be compelled to raise additional capital in the future, but that capital may not be available when it is needed and on terms favorable to current shareholders.
  • The Corporation is subject to environmental liability risk associated with lending activities.
  • The Corporation’s ability to pay dividends is subject to limitations.
  • Pennsylvania Business Corporation Law and various anti-takeover provisions under its Articles of Incorporation and Bylaws could impede the takeover of the Corporation.
  • The Corporation’s banking subsidiary may be required to pay higher FDIC insurance premiums or special assessments which may adversely affect its earnings.
  • The increasing use of social media platforms presents risks and challenges and our inability or failure to recognize, respond to and effectively manage the accelerated impact of social media could materially adversely impact our business.

Legal proceedings

The Corporation and/or the Bank are defendants in various legal proceedings arising in the ordinary course of their business. However, in the opinion of management of the Corporation and the Bank, there are no proceedings pending to which the Corporation and the Bank is a party or to which their property is subject, which, if determined adversely to the Corporation and the Bank, would be material in relation to the Corporation’s and Bank’s individual profits or financial condition, nor are there any proceedings pending other than ordinary routine litigation incident to the business of the Corporation and the Bank. In addition, no material proceedings are pending or are known to be threatened or contemplated against the Corporation and the Bank by government authorities or others.

The opening of Item 3, Legal Proceedings.3

Sources

The numbers on this page point here. Each one links to the record it came from.

  1. 1
  2. 2
  3. 3
  4. 4
  5. 5
  6. 6
  7. 7
  8. 8
  9. 9
  10. 10
  11. 11
  12. 12
  13. 13
  14. 14
  15. 15
  16. 16
  17. 17
  18. 18
  19. 19
  20. 20
  21. 21
  22. 22
  23. 23
  24. 24
  25. 25
  26. 26
  27. 27
  28. 28
  29. 29
  30. 30
  31. 31
  32. 32
  33. 33
  34. 34
  35. 35
  36. 36
  37. 37
  38. 38
  39. 39
  40. 40
  41. 41
  42. 42
  43. 43
  44. 44
  45. 45
  46. 46
  47. 47
  48. 48
  49. 49
  50. 50
  51. 51
  52. 52
  53. 53
    SEC EDGAROther events
  54. 54
    SEC EDGAROther events
  55. 55
  56. 56
    SEC EDGAROther events
  57. 57
  58. 58
  59. 59
    SEC EDGAROther events
  60. 60
  61. 61
    SEC EDGAROther events
  62. 62
  63. 63
  64. 64
  65. 65
  66. 66
  67. 67