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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

4.94%Q2 ’245.42%Q2 ’255.83%Q2 ’26+14%+35%

Non-interest income vs. expense

3.52%Q2 ’242.26%Q2 ’252.32%Q2 ’26-38%0%

Executive Summary

  • Earnings: ROA of 0.74%, up 47 bps year over year; NIM at 3.31%.
  • Asset quality: problem loans at 0.44% of loans (-45 bps YoY), with net charge-offs at 0.23%.
  • 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 (quarter, annualized)

0.74%+47 bps YoY

Net Interest Margin (quarter, annualized)

3.31%+86 bps YoY

Efficiency Ratio (quarter, annualized)

65.83%-2,096 bps YoY

Tier 1 Leverage Ratio

10.48%+51 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.27%0.46%0.53%0.66%0.74%+47 bps
Return on Equity2.66%4.46%5.15%6.29%6.93%+427 bps
Net Interest Margin2.45%2.73%2.90%3.05%3.31%+86 bps
Efficiency Ratio86.79%79.62%77.70%72.35%65.83%-2,096 bps
Non-Interest Burden2.11%2.13%2.20%2.15%2.10%-1 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 / Loans-0.01%0.01%0.00%0.00%0.23%+24 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