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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 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.
Kentucky First Federal Bancorp (KFFB) reported results from its annual stockholder meeting held on November 18, 2025. Stockholders elected directors Don D. Jennings and William H. Johnson, with Jennings receiving 5,815,031 votes for and 487,827 withheld, and Johnson receiving 6,017,662 votes for and 285,196 withheld. There were 601,662 broker non-votes on this proposal.
Stockholders also approved, on an advisory basis, the compensation of named executive officers, with 6,829,425 votes for, 66,067 against and 9,028 abstaining. A separate advisory vote on another proposal received 6,104,228 votes for, 159,804 against and 38,766 abstentions, along with 601,662 broker non-votes. In a non-binding vote on how often to hold advisory votes on executive pay, 6,089,370 shares favored one year, compared with lower totals for two or three years, and the Board decided to hold the advisory vote on executive compensation annually.
Kentucky First Federal Bancorp (KFFB) reported a return to profitability for the quarter ended September 30, 2025. Net income was $344,000 versus a net loss of $15,000 a year ago, driven by higher net interest income of $2.5 million and no provision for credit losses. Earnings per share were $0.04. Noninterest income rose modestly to $153,000, while noninterest expense increased to $2.2 million.
Balance sheet trends were mixed. Total assets were $366.5 million (down from $371.2 million at June 30, 2025). Deposits declined to $271.4 million as cash and equivalents fell to $14.6 million; Federal Home Loan Bank advances rose to $43.8 million. Credit metrics showed nonaccrual loans of $3.1 million and loans 90+ days past due and still accruing of $154,000. Accumulated other comprehensive loss improved to $79,000 (from $145,000). The filing also notes an ongoing formal written agreement with the OCC for First Federal of Kentucky, including individual minimum capital requirements of 9.0% CET1, 11.0% Tier 1, 12.0% Total capital, and 9.0% leverage.
Kentucky First Federal Bancorp filed a current report to note that it has announced unaudited financial results for the three months ended September 30, 2025. The company reported these quarterly results in a press release dated November 6, 2025, which is attached to the filing as Exhibit 99.1 and incorporated by reference.
The report is made under the results of operations and financial condition disclosure item and does not itself include detailed financial figures, directing readers instead to the accompanying press release for specifics on the quarter.