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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 $0.8MQ3 2024Q2 2026
Deposit mix
94%Interest-bearing $195.0M6%Noninterest $12.8MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.45%-0.31%0.08%0.17%0.27%0.33%0.66%0.70%+53 bps
Return on Equity-4.36%-3.03%0.76%1.71%2.63%3.27%6.29%6.63%+492 bps
Net Interest Margin2.03%2.08%2.24%2.34%2.50%2.59%3.05%3.19%+85 bps
Efficiency Ratio120.58%113.54%94.46%90.43%86.46%83.98%72.35%68.96%-2,147 bps
Non-Interest Burden2.47%2.38%2.11%2.10%2.14%2.15%2.15%2.14%+3 bps
Growth
Asset Growth (YoY)7.80%3.43%4.89%-0.32%-0.29%0.41%-2.77%-1.24%-91 bps
Loan Growth (YoY)7.28%2.25%1.76%-0.42%-1.85%0.45%-0.64%-1.35%-93 bps
Deposit Growth (YoY)2.49%10.62%11.11%7.33%9.62%2.07%-4.42%-5.28%-1,261 bps
Asset Quality
Nonperforming Loans / Loans1.27%0.69%0.82%0.89%0.61%0.48%0.47%0.44%-45 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.12%+12 bps
Allowance / Loans0.64%0.65%0.65%0.66%0.66%0.66%0.67%0.69%+3 bps
Allowance Coverage of NPLs0.5x0.9x0.8x0.7x1.1x1.4x1.4x1.6x+0.8x
Capital
Tier 1 Leverage Ratio10.07%10.13%9.98%9.97%10.29%10.37%10.55%10.48%+51 bps
Total Risk-Based Capital10.07%10.13%9.98%9.97%10.29%10.37%10.55%10.48%+51 bps
Equity / Assets10.02%10.07%9.83%10.24%10.27%10.41%10.61%10.64%+39 bps
Liquidity & Funding
Loans / Deposits127.03%120.42%113.74%115.12%113.73%118.51%118.23%119.89%+478 bps
Liquid Assets / Assets4.56%2.92%2.59%2.38%5.22%4.21%3.63%3.97%+159 bps
CRE / Total Capitaln/an/an/an/a153.98%159.54%169.25%n/an/a