Kentucky First Federal Bancorp
For the period ended Jun 30, 2025. Filed Sep 30, 2025.
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FY2025 · Filed Sep 30, 2025
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EX-13 · Commitments and Contractual Obligations
Commitments and Contractual Obligations
At June 30, 2025, we had $10.0 million in mortgage commitments. Certificates of deposit due within one year of June 30, 2025 totaled $167.1 million, or 60.2% of total deposits. If these deposits do not remain with us, we might be required to seek other sources of funds, including FHLB advances or other certificates of deposit. Depending on market conditions, we may be required to pay higher rates on such deposits or other borrowings than we currently pay on the certificates of deposit due on or before June 30, 2025. We believe, however, based on past experience, that a significant portion of our certificates of deposit will remain with us. We have the ability to attract and retain deposits by adjusting the interest rates offered.
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