FIRST KEYSTONE CORP

For the period ended Dec 31, 2025. Filed Mar 30, 2026.

About this filing

A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed Mar 30, 2026

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Contents

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			Page
Part I
Item 1.		Business	2
Item 1A.		Risk Factors	10
Item 1B.		Unresolved Staff Comments	20
Item 1C.		Cybersecurity	20
Item 2.		Properties	21
Item 3.		Legal Proceedings	21
Item 4.		Mine Safety Disclosures	21

Part II
Item 5.		Market for Registrant’s Common Equity, Related Shareholder Matters and Issuer Purchases of Equity Securities	22
Item 6.		[RESERVED]	23
Item 7.		Management's Discussion and Analysis of Financial Condition and Results of Operations	23
Item 7A.		Quantitative and Qualitative Disclosures About Market Risk	53
Item 8.		Financial Statements and Supplementary Data	53
Item 9.		Changes in and Disagreements with Accountants on Accounting and Financial Disclosure	115
Item 9A.		Controls and Procedures	115
Item 9B.		Other Information	116
Item 9C.		Disclosure Regarding Foreign Jurisdictions that Prevent Inspections	116

Part III
Item 10.		Directors, Executive Officers and Corporate Governance	116
Item 11.		Executive Compensation	117
Item 12.		Security Ownership of Certain Beneficial Owners and Management and Related Shareholder Matters	117
Item 13.		Certain Relationships and Related Transactions, and Director Independence	117
Item 14.		Principal Accountant Fees and Services	117

Part IV
Item 15.		Exhibits and Financial Statement Schedules	118

Signatures	120

FIRST KEYSTONE CORPORATION

FORM 10-K

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.

About this filing

Table of Contents