First Keystone Corp (NASDAQ: FKYS) is a bank holding company that operates a community banking business centered on deposit-taking and lending. It makes money primarily through net interest income, the spread between interest earned on loans and securities and interest paid on deposits and borrowed funds. As of December 31, 2025, total loans stood at $946.7 million and total assets at $1.53 billion, with real estate loans comprising $853.7 million, or approximately 90% of the total loan portfolio. The allowance for credit losses totaled $9.4 million, representing 0.98% of average total loans as of December 31, 2025. The Corporation's earnings are directly exposed to interest rate movements, with a +300 basis point rate shock projected to increase one-year net interest income by 5.72% versus a stable rate scenario, and a -300 basis point shock projected to reduce it by 17.39%, based on December 31, 2025 modeling.

Revenue model

Net interest income from loans and investment securities, funded by deposits and borrowed funds. Secondary income from non-interest sources is not detailed in the excerpts.

Products and services

Commercial and industrial loans ($66.9 million as of December 31, 2025), real estate loans ($853.7 million), agricultural loans ($984 thousand), consumer loans ($5.0 million), and loans to state and political subdivisions ($20.1 million). Deposit-taking and borrowed fund products fund the balance sheet.

Customers and end markets

Real estate borrowers (residential and commercial), commercial and industrial businesses, agricultural borrowers, consumers, and state and political subdivision entities. Community banking customer base implied by filing context.

Value-chain role

Community bank and holding company. Originates, underwrites, and holds loans on balance sheet. Accepts deposits and issues borrowings to fund the loan portfolio.

Geographic exposure

Filing references local economic conditions as a primary risk factor, indicating a community banking footprint. Specific states or markets are not identified in the excerpts.

Source: SEC 10-K, filed 2026-03-30

Industry: State Commercial Banks Peers: Avidbank Holdings Inc Citizens Community Bancorp Inc Eagle Financial Services Inc First Community Corp (South Carolina) First Financial Northwest, Inc. Landmark Bancorp Inc Pathfinder Bancorp Inc (MARYLAND) PNC Financial Services Group Inc