Kentucky First Federal Bancorp
For the period ended Sep 30, 2025. Filed Nov 14, 2025.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Sep 30, 2025 · Filed Nov 14, 2025
KFFB$5.64-4.8%Stored close · as of Nov 9, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Condensed Consolidated Balance Sheets
(In thousands, except share data)
| September 30, 2025 | June 30, 2025 | |
|---|---|---|
| Unaudited | ||
| ASSETS | ||
| Cash and due from financial institutions | $1,855 | $2,342 |
| Fed funds sold | 2,104 | 8,577 |
| Interest-bearing demand deposits | 10,666 | 8,561 |
| Cash and cash equivalents | 14,625 | 19,480 |
| Securities available-for-sale- at fair value | 11,727 | 9,757 |
| Securities held-to-maturity, at amortized cost-approximate fair value of $159 and $167 at September 30, 2025 and June 30, 2025, respectively | 161 | 171 |
| Loans held for sale | 305 | 877 |
| Loans, net of allowance for credit losses of $2,166 and $2,170 at September 30, 2025 and June 30, 2025, respectively | 326,450 | 327,248 |
| Office premises and equipment - at depreciated cost | 4,168 | 4,211 |
| Federal Home Loan Bank stock - at cost | 3,441 | 3,980 |
| Accrued interest receivable | 1,435 | 1,438 |
| Bank-owned life insurance | 3,023 | 3,001 |
| Prepaid expenses and other assets | 1,157 | 1,048 |
| Total assets | $366,492 | $371,211 |
| LIABILITIES AND SHAREHOLDERS’ EQUITY | ||
| Savings | $43,918 | $48,616 |
| Certificates of deposit | 196,061 | 199,575 |
| Demand deposit accounts | 31,436 | 29,372 |
| Deposits | 271,415 | 277,563 |
| Federal Home Loan Bank advances | 43,784 | 42,760 |
| Advances by borrowers for taxes and insurance | 1,190 | 869 |
| Accrued interest payable | 396 | 949 |
| Accrued Income Taxes | 14 | 63 |
| Deferred income taxes | 61 | 30 |
| Other liabilities | 853 | 608 |
| Total liabilities | 317,713 | 322,842 |
| Shareholders’ equity | ||
| Preferred stock, 500,000 shares authorized, $.01 par value; no shares issued | - | - |
| Common stock, 20,000,000 shares authorized, $.01 par value; 8,596,064 shares issued | 86 | 86 |
| Additional paid-in capital | 34,891 | 34,891 |
| Retained earnings - restricted | 17,850 | 17,506 |
| Treasury shares at cost, 509,349 common shares at September 30, 2025 and June 30, 2025, respectively | (3,969) | (3,969) |
| Accumulated other comprehensive loss | (79) | (145) |
| Total shareholders’ equity | 48,779 | 48,369 |
| Total liabilities and shareholders’ equity | $366,492 | $371,211 |
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