First Federal Savings and Loan Association
Morehead, KY · Cert 31409 · Peer group: banks under $1B in assets in KY (n=69)
State savings bank · OCC · 1 branch
Q2 2026
$41.3MAssets
$36.9MLoans
$30.3MDeposits
$10.6MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in KY (rank 7 of 69).
- Widest gap: nonperforming loans / loans trails 96% of banks under $1B in assets in KY (rank 67 of 69).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.53%
Rank 63 of 69
Net Interest Margin
3.95%
Rank 19 of 69
Efficiency Ratio
82.59%
Rank 66 of 69
Equity / Assets
25.55%
Rank 4 of 69
Non-interest income vs. expense
Unfavorable gap of $1.3M · efficiency ratio beats 6% 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 | 0.53% | 0.83% | 1.18% | 1.44% | Beats 9% | 63 / 69 | | |
| Return on Equity | 2.08% | 7.64% | 11.70% | 15.70% | Beats 4% | 66 / 69 | | |
| Net Interest Margin | 3.95% | 3.45% | 3.75% | 3.96% | Beats 72% | 19 / 69 | | |
| Efficiency Ratio | 82.59% | 55.32% | 62.99% | 70.80% | Beats 6% | 66 / 69 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.07% | 0.18% | 0.52% | 1.14% | Beats 4% | 67 / 69 | | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.06% | Beats 100% | 7 / 69 | | |
| Capital |
| Tier 1 Capital Ratio | 40.77% | 11.33% | 13.58% | 16.27% | Beats 97% | 2 / 69 | | |
| Total Risk-Based Capital Ratio | 42.02% | 11.55% | 14.43% | 17.27% | Beats 97% | 2 / 69 | | |
| Equity / Assets | 25.55% | 8.31% | 9.91% | 12.53% | Beats 94% | 4 / 69 | | |
| Liquidity & Funding |
| Loans / Deposits | 121.63% | 71.40% | 81.07% | 88.03% | 97th pctl | 2 / 69 | | |
| Loans / Assets | 89.25% | 61.10% | 68.66% | 76.68% | 96th pctl | 3 / 69 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |