Kentucky First Federal Bancorp
For the period ended Dec 31, 2025. Filed Feb 13, 2026.
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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.
Dec 31, 2025 · Filed Feb 13, 2026
KFFB$5.64-4.8%Stored close · as of Nov 9, 2026
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Condensed Consolidated Statements of Operations
(Dollars in thousands, except per share data)
| Six months ended December 31, | Three months ended December 31, | |||
|---|---|---|---|---|
| 2025 | 2024 | 2025 | 2024 | |
| Interest income | ||||
| Loans, including fees | $9,579 | $8,702 | $4,884 | $4,437 |
| Mortgage-backed securities | 205 | 157 | 107 | 76 |
| Interest-bearing deposits and other | 444 | 544 | 185 | 271 |
| Total interest income | 10,228 | 9,403 | 5,176 | 4,784 |
| Interest expense | ||||
| Interest-bearing demand deposits | 55 | 18 | 25 | 9 |
| Savings | 98 | 100 | 49 | 50 |
| Certificates of deposit | 3,933 | 3,812 | 1,943 | 1,936 |
| Deposits | 4,086 | 3,930 | 2,017 | 1,995 |
| Borrowings | 982 | 1,566 | 503 | 751 |
| Total interest expense | 5,068 | 5,496 | 2,520 | 2,746 |
| Net interest income | 5,160 | 3,907 | 2,656 | 2,038 |
| Provision for credit losses | 10 | 15 | 10 | - |
| Net interest income after provision for credit losses | 5,150 | 3,892 | 2,646 | 2,038 |
| Non-interest income | ||||
| Earnings on bank-owned life insurance | 44 | 43 | 22 | 22 |
| Net gain on sales of loans | 166 | 141 | 101 | 81 |
| Net gain on sales of real estate owned | - | 5 | - | 5 |
| Other | 121 | 119 | 55 | 63 |
| Total non-interest income | 331 | 308 | 178 | 171 |
| Non-interest expense | ||||
| Employee compensation and benefits | 2,515 | 2,396 | 1,311 | 1,211 |
| Data processing | 451 | 271 | 225 | 107 |
| Occupancy and equipment | 270 | 273 | 134 | 136 |
| FDIC insurance premiums | 140 | 138 | 79 | 75 |
| Voice and data communications | 66 | 66 | 33 | 32 |
| Advertising | 99 | 91 | 56 | 49 |
| Outside service fees | 394 | 225 | 234 | 155 |
| Auditing and accounting | 191 | 167 | 96 | 86 |
| Regulatory assessments | 46 | 46 | 23 | 23 |
| Foreclosure and real estate owned expenses, net | 45 | 41 | 19 | 19 |
| Franchise and other taxes | 71 | 70 | 40 | 42 |
| Legal Fees | 148 | 229 | 124 | 181 |
| Other | 191 | 202 | 49 | 87 |
| Total non-interest expense | 4,627 | 4,215 | 2,423 | 2,203 |
| Income (loss) before income taxes | 854 | (15) | 401 | 6 |
| Income tax expense (benefit) | 206 | (13) | 97 | (7) |
| NET INCOME (LOSS) | $648 | $(2) | $304 | $13 |
| EARNINGS (LOSS) PER SHARE | ||||
| Basic and diluted | $0.08 | $(0.00) | $0.04 | $0.00 |
| DIVIDENDS PER SHARE | $0.00 | $0.00 | $0.00 | $0.00 |
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