FIRST KEYSTONE CORP (FKYS) Form 10-Q — Aug 6, 2026
First Keystone Corporation reported second quarter 2026 net income of $3,777,000, an increase of $863,000 from the second quarter of 2025, with basic and diluted EPS of $0.60 versus $0.47 a year earlier. Six-month net income rose to $5,736,000 from $3,967,000, driven primarily by higher interest on excess cash balances held at the Federal Reserve along with higher loan interest and fees. The balance sheet strengthened materially: total assets reached $1,574,315,000, cash and equivalents jumped $66.7 million to $187,961,000, and deposits grew 3.7% to $1,179,910,000.
Key figures
- Eps
- 0.6
- Net Income
- 3777000
- Total Debt
- 241604000
- Total Assets
- 1574315000
- Cash Position
- 187961000
- Shares Outstanding
- 6322401
- Net Loans
- 941552000
- Cet1 Ratio
- 15.34%
- Six Month Eps
- 0.91
- Total Deposits
- 1179910000
- Q2 Eps Prior Year
- 0.47
- Six Month Net Income
- 5736000
- Subordinated Notes
- $25,000,000 Subordinated Notes due December 31, 2030 (variable rate, Tier 2 capital)
- Effective Tax Rate Q2
- 12.6%
- Stockholders Equity
- 118456000
- Tier1 Leverage Ratio
- 9.69%
- Q2 Net Income Prior Year
- 2914000
- Fhlb Borrowing Capacity
- 518920000
- Buyback Shares Remaining
- 120000
- Quarterly Dividend Per Share
- 0.28
- Six Month Net Income Prior Year
- 3967000
- Total Risk Based Capital Ratio
- 16.23%
- Real Estate Loan Concentration
- 89.1% of total loans ($845,218,000)
AI analysis
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