First Federal Savings and Loan Association
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
$81.3MAssets
$73.6MLoans
$56.6MDeposits
$18.2MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in KY (rank 7 of 69).
- Widest gap: return on equity trails 91% of banks under $1B in assets in KY (rank 63 of 69).
- Overall: at or above the peer median on 5 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $1.6M · efficiency ratio beats 57% of banks under $1B in assets in KY | 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 |