Kentucky First Federal Bancorp
Kentucky First Federal Bancorp operates as a mid-tier holding company for two independent community-oriented savings institutions serving eastern and central Kentucky. The company, incorporated in 2005, manages First Federal Savings and Loan Association of Hazard and First Federal Savings Bank of Kentucky, which… From the company’s description.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What Kentucky First Federal Bancorp does
In the company’s own words
Kentucky First Federal Bancorp operates as a mid-tier holding company for two independent community-oriented savings institutions serving eastern and central Kentucky. The company, incorporated in 2005, manages First Federal Savings and Loan Association of Hazard and First Federal Savings Bank of Kentucky, which together hold total assets of $371.2 million as of June 30, 2025.
First Federal of Hazard operates from a single office in Hazard, Kentucky, serving Perry and surrounding counties in eastern Kentucky. The institution focuses on attracting deposits from the general public and originating loans secured by first mortgages on owner-occupied residential real estate. First Federal of Hazard maintains total assets of $85.8 million with net loans of $77.2 million and deposits of $59.5 million.
First Federal of Kentucky, headquartered in Frankfort, operates as a federally chartered savings bank with a broader lending portfolio. The institution originates primarily adjustable-rate loans secured by first mortgages on one- to four-family residences across Franklin, Boyle, Garrard and surrounding Kentucky counties. First Federal of Kentucky also originates home equity loans and loans secured by churches, multi-family properties, and professional office buildings. As of June 30, 2025, First Federal of Kentucky maintains total assets of $286.1 million with net loans of $250.0 million and deposits of $219.4 million. The bank acquired Central Kentucky Federal Savings Bank in 2012, expanding operations into the Danville-Lancaster market area.
The company's loan portfolio consists primarily of one- to four-family residential mortgage loans, representing 83.6 percent of total loans. Adjustable-rate residential mortgages comprise 93.8 percent of the residential mortgage portfolio. The Banks employ 54 full-time and two part-time employees across their operations.
Both institutions maintain membership in the Federal Home Loan Bank of Cincinnati and operate under regulation by the Office of the Comptroller of the Currency with deposit insurance provided by the Federal Deposit Insurance Corporation. First Federal of Kentucky entered into a formal written agreement with the OCC in August 2024 and is subject to individual minimum capital requirements established by the regulator.
Company details
- Sector
- Financials
- Industry
- Banks & Brokers
- Headquarters
- HAZARD, KY
- Fiscal year end
- June
- CIK
- 1297341
- SIC
- 6035
Financial performance, year by year
Fiscal 2013–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns Kentucky First Federal Bancorp — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · Kentucky First Federal Bancorp’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Could not be determined for this company: bond issues.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
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