Every 10-Q that Kentucky First Federal Bancorp (KFFB) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow KFFB and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full KFFB filings page.
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 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 (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.