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First Federal Savings Bank of Kentucky

Frankfort, KY · Cert 29937 · First Federal MHC

State savings bank · OCC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in KY3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in KY (n=69). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

29

Q2 2024Q2 2026peer median (50)

Asset Quality

41

Q2 2024Q2 2026peer median (50)

Profitability

15

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

30

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Federal Savings Bank of Kentucky

Frankfort, KY · Cert 29937 · First Federal MHC

State savings bank · OCC · 1 affiliate bank · 6 branches (7 in holding)

Q2 2026

$282.6MAssets
$249.2MLoans
$207.8MDeposits
$30.1MEquity
Loan mix
99%RE $251.2M0%C&I $0.6M0%Consumer $0.8MQ2 2025Q2 2026
Deposit mix
94%Interest-bearing $195.0M6%Noninterest $12.8MQ2 2025Q2 2026

NIM

4.75%Q2 ’245.29%Q2 ’255.79%Q2 ’26+13%+36%

Non-interest income vs. expense

2.83%Q2 ’242.24%Q2 ’252.34%Q2 ’26-23%+2%

Executive Summary

  • Earnings: ROA of 0.70%, up 53 bps year over year; NIM at 3.19%.
  • Asset quality: problem loans at 0.44% of loans (-45 bps YoY), with net charge-offs at 0.12%.
  • Capital: tier 1 leverage ratio of 10.48%, up 51 bps from a year ago.
  • Funding: loans stand at 119.89% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.70%+53 bps YoY

Net Interest Margin (YTD, annualized)

3.19%+85 bps YoY

Efficiency Ratio (YTD, annualized)

68.96%-2,147 bps YoY

Tier 1 Leverage Ratio

10.48%+51 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.17%0.27%0.33%0.66%0.70%+53 bps
Return on Equity1.71%2.63%3.27%6.29%6.63%+492 bps
Net Interest Margin2.34%2.50%2.59%3.05%3.19%+85 bps
Efficiency Ratio90.43%86.46%83.98%72.35%68.96%-2,147 bps
Non-Interest Burden2.10%2.14%2.15%2.15%2.14%+3 bps
Growth
Asset Growth (YoY)-0.32%-0.29%0.41%-2.77%-1.24%-91 bps
Loan Growth (YoY)-0.42%-1.85%0.45%-0.64%-1.35%-93 bps
Deposit Growth (YoY)7.33%9.62%2.07%-4.42%-5.28%-1,261 bps
Asset Quality
Nonperforming Loans / Loans0.89%0.61%0.48%0.47%0.44%-45 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.12%+12 bps
Allowance / Loans0.66%0.66%0.66%0.67%0.69%+3 bps
Allowance Coverage of NPLs0.7x1.1x1.4x1.4x1.6x+0.8x
Capital
Tier 1 Leverage Ratio9.97%10.29%10.37%10.55%10.48%+51 bps
Total Risk-Based Capital9.97%10.29%10.37%10.55%10.48%+51 bps
Equity / Assets10.24%10.27%10.41%10.61%10.64%+39 bps
Liquidity & Funding
Loans / Deposits115.12%113.73%118.51%118.23%119.89%+478 bps
Liquid Assets / Assets2.38%5.22%4.21%3.63%3.97%+159 bps
CRE / Total Capitaln/a153.98%159.54%169.25%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First Federal Savings Bank of Kentucky

Frankfort, KY · Cert 29937 · Peer group: banks under $1B in assets in KY (n=69) · First Federal MHC

State savings bank · OCC · 1 affiliate bank · 6 branches (7 in holding)

Q2 2026

$282.6MAssets
$249.2MLoans
$207.8MDeposits
$30.1MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 58% of banks under $1B in assets in KY (rank 29 of 69).
  • Widest gap: net interest margin trails 90% of banks under $1B in assets in KY (rank 62 of 69).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.71%

Rank 59 of 69

Net Interest Margin

3.19%

Rank 62 of 69

Efficiency Ratio

68.96%

Rank 49 of 69

Equity / Assets

10.64%

Rank 29 of 69

Non-interest income vs. expense

$0.6M$6.7MINCOMEEXPENSE
Unfavorable gap of $6.1M · efficiency ratio beats 30% of banks under $1B in assets in KY
Bank 68.96%Peer median 63.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.71%0.83%1.18%1.44%Beats 14%59 / 69
Return on Equity6.67%7.64%11.70%15.70%Beats 20%55 / 69
Net Interest Margin3.19%3.45%3.75%3.96%Beats 10%62 / 69
Efficiency Ratio68.96%55.32%62.99%70.80%Beats 30%49 / 69
Asset Quality
Nonperforming Loans / Loans0.44%0.18%0.52%1.14%Beats 57%31 / 69
Net Charge-Offs / Loans0.06%0.01%0.02%0.06%Beats 25%53 / 69
Capital
Tier 1 Capital Ratio10.48%11.33%13.58%16.27%Beats 16%58 / 69
Total Risk-Based Capital Ratio10.48%11.55%14.43%17.27%Beats 14%59 / 69
Equity / Assets10.64%8.31%9.91%12.53%Beats 58%29 / 69
Liquidity & Funding
Loans / Deposits119.89%71.40%81.07%88.03%96th pctl3 / 69
Loans / Assets88.15%61.10%68.66%76.68%94th pctl4 / 69
Brokered Deposits / Depositsn/aNot reported for this institution