Hazard, KY · Cert 31197 · First Federal MHC
State savings bank · OCC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
86
Asset Quality
60
Profitability
18
Liquidity
0
Efficiency
57
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.
Hazard, KY · Cert 31197 · First Federal MHC
State savings bank · OCC · 1 affiliate bank · 1 branch (7 in holding)
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.01% | 0.07% | 0.12% | 0.18% | 0.23% | 0.25% | 0.81% | 0.95% | +77 bps | |
| Return on Equity | 0.06% | 0.32% | 0.58% | 0.86% | 1.09% | 1.21% | 3.89% | 4.44% | +358 bps | |
| Net Interest Margin | 1.73% | 1.82% | 2.22% | 2.26% | 2.37% | 2.44% | 3.06% | 3.23% | +97 bps | |
| Efficiency Ratio | 97.22% | 93.83% | 91.93% | 88.49% | 86.28% | 85.03% | 63.18% | 59.44% | -2,905 bps | |
| Non-Interest Burden | 1.68% | 1.71% | 2.04% | 2.00% | 2.05% | 2.08% | 1.94% | 1.92% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.21% | -0.51% | -2.04% | -4.49% | -5.13% | -1.58% | 0.48% | -5.25% | -76 bps | |
| Loan Growth (YoY) | -0.28% | -1.35% | -2.08% | -4.79% | -5.08% | -1.30% | -0.30% | -5.19% | -40 bps | |
| Deposit Growth (YoY) | -4.33% | -2.42% | 19.14% | 9.39% | 3.80% | 8.86% | 8.02% | -4.79% | -1,418 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.36% | 1.84% | 2.36% | 2.11% | 2.24% | 1.85% | 1.58% | 1.69% | -42 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.62% | 0.62% | 0.64% | 0.65% | 0.65% | 0.65% | 0.67% | 0.72% | +7 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.3x | 0.3x | 0.3x | 0.3x | 0.4x | 0.4x | 0.4x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 20.47% | 20.77% | 20.49% | 20.74% | 21.41% | 21.44% | 21.17% | 21.58% | +84 bps | |
| Total Risk-Based Capital | 20.47% | 20.77% | 20.49% | 20.74% | 21.41% | 21.44% | 21.17% | 21.58% | +84 bps | |
| Equity / Assets | 20.50% | 20.68% | 20.51% | 20.82% | 21.34% | 20.84% | 20.88% | 22.39% | +158 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 146.68% | 144.69% | 138.98% | 130.63% | 134.14% | 131.19% | 128.28% | 130.08% | -55 bps | |
| Liquid Assets / Assets | 3.04% | 3.15% | 3.24% | 3.08% | 2.75% | 2.79% | 4.71% | 3.28% | +21 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 81.77% | 83.60% | 92.28% | n/a | n/a | |
Hazard, KY · Cert 31197 · Peer group: banks under $1B in assets in KY (n=69) · First Federal MHC
State savings bank · OCC · 1 affiliate bank · 1 branch (7 in holding)
Q2 2026
Return on Assets
0.99%
Rank 47 of 69
Net Interest Margin
3.23%
Rank 59 of 69
Efficiency Ratio
59.44%
Rank 31 of 69
Equity / Assets
22.39%
Rank 5 of 69
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.99% | 0.83% | 1.18% | 1.44% | Beats 32% | 47 / 69 | ||
| Return on Equity | 4.43% | 7.64% | 11.70% | 15.70% | Beats 9% | 63 / 69 | ||
| Net Interest Margin | 3.23% | 3.45% | 3.75% | 3.96% | Beats 14% | 59 / 69 | ||
| Efficiency Ratio | 59.44% | 55.32% | 62.99% | 70.80% | Beats 57% | 31 / 69 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.69% | 0.18% | 0.52% | 1.14% | Beats 19% | 57 / 69 | ||
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.06% | Beats 100% | 7 / 69 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 21.58% | 11.33% | 13.58% | 16.27% | Beats 83% | 12 / 69 | ||
| Total Risk-Based Capital Ratio | 21.58% | 11.55% | 14.43% | 17.27% | Beats 83% | 12 / 69 | ||
| Equity / Assets | 22.39% | 8.31% | 9.91% | 12.53% | Beats 93% | 5 / 69 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 130.08% | 71.40% | 81.07% | 88.03% | 99th pctl | 1 / 69 | ||
| Loans / Assets | 90.58% | 61.10% | 68.66% | 76.68% | 97th pctl | 2 / 69 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||