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
Unfavorable gap of $6.1M · efficiency ratio beats 30% of banks under $1B in assets in KY | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.71% | 0.83% | 1.18% | 1.44% | Beats 14% | 59 / 69 | |
| Return on Equity | 6.67% | 7.64% | 11.70% | 15.70% | Beats 20% | 55 / 69 | |
| Net Interest Margin | 3.19% | 3.45% | 3.75% | 3.96% | Beats 10% | 62 / 69 | |
| Efficiency Ratio | 68.96% | 55.32% | 62.99% | 70.80% | Beats 30% | 49 / 69 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.44% | 0.18% | 0.52% | 1.14% | Beats 57% | 31 / 69 | |
| Net Charge-Offs / Loans | 0.06% | 0.01% | 0.02% | 0.06% | Beats 25% | 53 / 69 | |
| Capital |
| Tier 1 Capital Ratio | 10.48% | 11.33% | 13.58% | 16.27% | Beats 16% | 58 / 69 | |
| Total Risk-Based Capital Ratio | 10.48% | 11.55% | 14.43% | 17.27% | Beats 14% | 59 / 69 | |
| Equity / Assets | 10.64% | 8.31% | 9.91% | 12.53% | Beats 58% | 29 / 69 | |
| Liquidity & Funding |
| Loans / Deposits | 119.89% | 71.40% | 81.07% | 88.03% | 96th pctl | 3 / 69 | |
| Loans / Assets | 88.15% | 61.10% | 68.66% | 76.68% | 94th pctl | 4 / 69 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |