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 (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.
Kentucky First Federal Bancorp will hold its annual meeting on November 18, 2025 at 4:30 p.m. ET at the Challenger Learning Center in Hazard, KY. Stockholders will vote to elect two directors, ratify Clark, Schaefer, Hackett & Co. as auditor, approve a non‑binding say‑on‑pay resolution, and set the frequency of executive compensation votes.
The record date is September 30, 2025, with 8,086,715 shares outstanding. First Federal MHC holds 58.5% (4,727,938 shares), ensuring quorum. The Board recommends voting “FOR” all items and “EVERY YEAR” for say‑on‑pay frequency.
Governance updates include Walter G. Ecton, Jr. as independent Chair and the appointment of R. Clay Hulette as CEO of the Company and President/CEO of First Federal of Kentucky, subject to regulatory approval. 2025 auditor fees totaled $124,000. Pay-versus-performance shows stable compensation while net income was $181,000 in 2025 after a $1.7 million loss in 2024. The proxy notes an OCC agreement under which First Federal of Kentucky is in a “troubled condition,” limiting severance and certain change‑in‑control payments.
Kentucky First Federal Bancorp has appointed longtime executive and director R. Clay Hulette as Chief Executive Officer of the company and as President and CEO of its bank subsidiary, First Federal Savings Bank of Kentucky. These roles remain subject to regulatory approval, and until then he will serve as interim President and CEO of the bank.
Hulette, age 63, has deep history with the organization, previously serving as Vice President, Treasurer and Chief Financial Officer of the company from 2005 to 2024 and holding multiple leadership roles at First Federal of Kentucky. He will receive an annual salary of $185,000 for his services.
As part of this leadership transition, Don D. Jennings has been appointed Director of Operations of First Federal of Kentucky and will continue as President of the company and Chairman of the bank’s board. The company chose not to renew Jennings’ long-standing employment agreements with the company and the bank, but his compensation and benefits were not otherwise changed.
Kentucky First Federal Bancorp (KFFB) files its Form 10-K with disclosures including corporate governance, regulatory requirements, and financial report exhibits. The filing states the company had approximately 8.8 million shares (8,086,715) referenced for December 31, 2024. The company describes an agreement with the OCC requiring a compliance committee of at least three directors and the submission and implementation of revised written three-year strategic, succession, liquidity risk management, and interest rate risk programs.
The report says it is not aware of cybersecurity threats that have materially affected the company but acknowledges evolving risks and that absolute assurance is not possible. The filing lists exhibits, certifications, consolidated financial statements (balance sheet, operations, cash flows and notes) incorporated by reference, and notes there were no stock repurchases in the fiscal years ended June 30, 2024 and 2025. The report is signed by Don D. Jennings as CEO.
Kentucky First Federal Bancorp filed a current report to let investors know it has released unaudited financial results. The company announced results for both the twelve-month and three-month periods ended June 30, 2025, and directed readers to a separate press release for full details. That press release, dated September 18, 2025, is included as Exhibit 99.1 to this report. The filing is presented under the results of operations and financial condition disclosure item, highlighting that this is primarily an earnings-related update rather than a major corporate transaction.