Welcome to our dedicated page for Kentucky First Federal Bancorp SEC filings (Ticker: KFFB), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Kentucky First Federal Bancorp filings document a Nasdaq-listed bank holding company and its subsidiaries, First Federal Savings and Loan Association of Hazard and First Federal Savings Bank of Kentucky. Form 8-K disclosures cover operating and financial results, material events, capital-structure information for its common stock, and banking-regulatory matters involving the Office of the Comptroller of the Currency.
Proxy and shareholder-meeting filings describe annual-meeting proposals, director elections, voting results, and governance procedures. The filing record also documents the termination of an OCC formal written agreement with First Federal Savings Bank of Kentucky and related changes to regulatory status and capital-requirement enforcement.
Kentucky First Federal Bancorp reported sharply higher earnings. For the three months ended June 30, 2026, net income was $680,000 or $0.08 diluted EPS, compared with $176,000 or $0.02 a year earlier, driven mainly by higher net interest income. Net interest income for the quarter rose 33.9% to $3.1 million as interest income increased and interest expense declined. Non-interest income also rose, while non-interest expense edged slightly lower, helped by reduced FDIC insurance premiums.
For the twelve months ended June 30, 2026, net earnings were $1.9 million or $0.24 diluted EPS versus $181,000 or $0.02 in the prior year, reflecting stronger net interest income and higher non-interest income, partly offset by increases in non-interest expense, provision for credit losses, and income taxes. At June 30, 2026, total assets were $362.4 million, deposits were $260.8 million, Federal Home Loan Bank advances were $48.6 million, and shareholders’ equity was $50.3 million, with book value per share of $6.22 based on 8,086,715 shares outstanding.
Kentucky First Federal Bancorp reported that on July 28, 2026 the members of First Federal MHC voted to waive the MHC’s right to receive quarterly dividends aggregating up to $0.40 per share declared during the next 12-month period. First Federal MHC holds 58.5% of the company’s outstanding common stock.
The board also declared a quarterly cash dividend of $0.05 per share, payable on September 21, 2026 to shareholders of record on August 31, 2026. At June 30, 2026, approximately 8,086,715 shares were outstanding; this is a baseline figure, not the amount being newly declared for payment.
Kentucky First Federal Bancorp filed an amended current report to correct how a prior disclosure was classified. The earlier report about a press release was originally filed under Item 2.02, and this Amendment reclassifies it under Item 8.01 Other Events.
The company previously announced that its board of directors will hold a special meeting on July 28, 2026 to consider resuming declaration and payment of a quarterly dividend. This Amendment does not change the substance of that announcement and should be read together with the original report and attached press release.
Kentucky First Federal Bancorp disclosed that its board of directors will hold a special meeting on July 28, 2026 to evaluate whether to resume paying a quarterly dividend on its common stock, in an amount up to $0.10 per share. The board may instead declare a smaller dividend or none at all, and has made no decision on future dividend level, timing, or frequency.
The company previously suspended dividends in January 2024 and has not paid one since November 2023. On July 28, 2026, members of First Federal MHC, which holds 58.5% of the company’s common stock, will also vote on a proposal allowing the MHC to waive its right to receive up to $0.40 per share in aggregate quarterly dividends over the 12 months after approval. Any dividend remains subject to required non-objection from the Federal Reserve Bank of Cleveland.
Kentucky First Federal Bancorp reported much stronger results for the nine months ended March 31, 2026, driven mainly by higher net interest income and stable credit quality. Net income rose to $1.23 million from $5,000 a year earlier, with basic and diluted EPS improving to $0.15. For the March quarter, net income was $581,000 versus $7,000 a year ago, or $0.07 per share. Assets were $374.5 million and loans net of reserves were $328.2 million, while deposits totaled $273.7 million. The allowance for credit losses stood at $2.22 million and nonaccrual plus 90‑day‑past‑due loans were modest relative to the portfolio. The company reported no dividends per share for the periods. A key development is regulatory: the OCC terminated its formal written agreement with First Federal of Kentucky in February 2026, and the bank is no longer classified as in “troubled condition,” with individual minimum capital requirements lifted.
Kentucky First Federal Bancorp reported a sharp improvement in profitability. Net income for the three months ended March 31, 2026 rose to $581,000, or $0.07 per diluted share, compared with $7,000 and $0.00 a year earlier. For the nine months ended March 31, 2026, net income increased to $1.23 million, or $0.15 per diluted share, versus $5,000 and $0.00 a year ago.
The turnaround was driven mainly by higher net interest income, which benefited from an 8.5% rise in interest income and a 9.2% reduction in interest expense over nine months, plus stronger non-interest income. Some of this gain was offset by higher operating costs, including data processing and employee compensation, and higher income tax expense.
At March 31, 2026, total assets were $374.5 million, loans net were $328.2 million, deposits were $273.7 million, and book value per share was $6.14, up from $5.98 at June 30, 2025.
Kentucky First Federal Bancorp, parent of First Federal Savings Bank of Kentucky, reports that the Office of the Comptroller of the Currency has terminated its formal written agreement with the bank dated August 13, 2024.
With this termination, the bank is no longer classified as being in “troubled condition” and is now deemed an “eligible savings association” under applicable OCC regulations. The individual minimum capital requirements imposed in connection with the agreement have also been lifted, and the bank states its capital levels have exceeded and continue to exceed those prior requirements. As of December 31, 2025, the company had approximately 8,086,715 shares outstanding, with about 58.5% held by First Federal MHC.
Kentucky First Federal Bancorp reported a return to profitability for the six months ended December 31, 2025, with net income of $648,000, compared with a small loss a year earlier. For the most recent quarter, net income was $304,000, or $0.04 per share, on net interest income of $2.66 million.
Total assets rose modestly to $375.3 million, driven mainly by loan growth to $329.8 million, while deposits declined slightly to $273.2 million and Federal Home Loan Bank advances increased to $51.4 million. Asset quality metrics remained manageable, with an allowance for credit losses of $2.18 million and a limited volume of nonaccrual and past-due loans.
The company also noted an August 2024 formal written agreement between First Federal of Kentucky and the OCC. Under this agreement, the bank is deemed in “troubled condition” and must meet heightened minimum capital ratios, including a common equity tier 1 ratio of at least 9.0% and a total capital ratio of at least 12.0%. Management states it believes the deficiencies that led to this action have been addressed.
Kentucky First Federal Bancorp reported sharply improved results for the quarter and six months ended December 31, 2025. Quarterly net income rose to $304,000, or $0.04 per diluted share, compared with $13,000, or $0.00 per share, a year earlier.
For the six-month period, the Company generated net income of $648,000, or $0.08 per diluted share, versus a net loss of $2,000, or $(0.00) per share, in the prior-year period. The improvement was driven mainly by higher net interest income, as interest income increased and interest expense declined.
At December 31, 2025, total assets were $375.3 million and shareholders’ equity was $49.1 million. Deposits were $273.2 million, while Federal Home Loan Bank advances increased to $51.4 million. Book value and tangible book value per share were both $6.07.
Kentucky First Federal Bancorp reported that regulators issued final nonobjection effective December 10, 2025 for R. Clay Hulette to serve as Chief Executive Officer of the company and as President and Chief Executive Officer of its indirect wholly owned bank subsidiary, First Federal Savings Bank of Kentucky. Mr. Hulette had been appointed to these roles subject to regulatory approval, and this decision confirms his leadership at both the holding company and the bank.