Kentucky First Federal Bancorp
For the period ended Jun 30, 2026. Filed Sep 28, 2026.
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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.
FY2026 · Filed Sep 28, 2026
KFFB$5.78+2.4%Stored close · as of Nov 10, 2026
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Item 15. Exhibits and Financial Statement Schedules
| (a) | List of Documents Filed as Part of This Report |
| (1) | Financial Statements. The following consolidated financial statements are incorporated by reference from Item 8 hereof (see Exhibit 13): |
| Report of Independent Registered Public Accounting Firm (Clark, Schaefer, Hackett & Co., Cincinnati, Ohio, PCAOB ID 539) | 22 |
|---|---|
| Consolidated Balance Sheets as of June 30, 2026 and 2025 | 24 |
| Consolidated Statements of Operations for the Years Ended June 30, 2026 and 2025 | 25 |
| Consolidated Statements of Comprehensive Income for the Years Ended June 30, 2026 and 2025 | 26 |
| Consolidated Statements of Changes in Shareholders’ Equity for the Years Ended June 30, 2026 and 2025 | 27 |
| Consolidated Statements of Cash Flows for the Years Ended June 30, 2026 and 2025 | 28 |
| Notes to Consolidated Financial Statements | 30 |
| (2) | Financial Statement Schedules. All schedules for which provision is made in the applicable accounting regulations of the Securities and Exchange Commission are omitted because of the absence of conditions under which they are required or because the required information is included in the consolidated financial statements and related notes thereto. |
| (3) | Exhibits. The following is a list of exhibits filed as part of this Annual Report on Form 10-K and is also the Exhibit Index. |
| No. | Description |
| 3.11 | Charter of Kentucky First Federal Bancorp |
| 3.22 | Amended and Restated Bylaws of Kentucky First Federal Bancorp |
| 3.33 | Amendment No. 1 to the Bylaws of Kentucky First Federal Bancorp |
| 3.44 | Amendment No. 2 to the Bylaws of Kentucky First Federal Bancorp |
| 3.55 | Amendment No. 3 to the Bylaws of Kentucky First Federal Bancorp |
| 4.11 | Specimen Stock Certificate of Kentucky First Federal Bancorp |
| 4.26 | Description of Kentucky First Federal Bancorp’s Common Stock Registered Under Section 12 of the Securities and Exchange Act of 1934 |
| 10.17 | Employment Agreement between Kentucky First Federal Bancorp and Don D. Jennings, as amended† |
| 10.27 | Employment Agreement between First Federal Savings Bank of Kentucky and Don D. Jennings, as amended† |
| 10.57 | Employment Agreement between First Federal Savings Bank of Kentucky and Teresa Kuhl, as amended† |
| 10.67 | Amended and Restated First Federal Savings and Loan Association of Hazard Change in Control Severance Compensation Plan† |
| 10.77 | Amended and Restated First Federal Savings Bank of Kentucky Change in Control Severance Compensation Plan† |
| 10.87 | Amended and Restated First Federal Savings and Loan Association Supplemental Executive Retirement Plan† |
| 10.156 | Employment Agreement by and between First Federal Savings and Loan of Hazard and Jamie S. Coffey† |
| 10.168 | Formal Written Agreement, dated August 13, 2024, between First Federal Savings Bank of Kentucky and the Office of the Comptroller of the Currency |
| 10.179 | Letter Agreement dated October 2, 2025, between First Federal Savings Bank of Kentucky and Kentucky First Federal Bancorp, Inc†. |
| 1910 | Kentucky First Federal Bancorp Policy Regarding Insider Trading |
| 21 | Subsidiaries |
| 31.1 | Rule 13a-14(a) Certification of Chief Executive Officer |
| 31.2 | Rule 13a-14(a) Certification of Chief Financial Officer |
| 32 | Section 1350 Certifications |
| 9710 | Kentucky First Federal Bancorp Incentive-Compensation Recoupment Policy |
| 101 | The following materials from the Company’s Annual Report on Form 10-K for the year ended June 30, 2026, formatted in XBRL (eXtensible Business Reporting Language): (i) the Consolidated Balance Sheets, (ii) Consolidated Statements of Operations, (iii) the Consolidated Statements of Comprehensive Income, (iv) the Consolidated Statements of Changes in Shareholders’ Equity, (v) the Consolidated Statements of Cash Flows and the (vi) Notes to Consolidated Financial Statements. |
| 104 | Cover Page Interactive Data File (formatted as Inline XBRL and contained in Exhibit 101) |
| † | Management contract or compensation plan or arrangement. |
| (1) | Incorporated herein by reference to the Company’s Registration Statement on Form S-1 (File No. 333-119041). |
| (2) | Incorporated herein by reference to the Company’s Annual Report on Form 10-K for the Year Ended June 30, 2012 (File No. 0-51176). |
| (3) | Incorporated herein by reference to the Company’s Form 8-K filed on August 25, 2017 (File No. 000-51176). |
| (4) | Incorporated herein by reference to the Company’s Form 8-K filed on September 28, 2020 (File No. 000-51176). |
| (5) | Incorporated herein by reference to the Company’s Form 8-K filed on February 2, 2022 (File No. 000-51176). |
| (6) | Incorporated herein by reference to the Company’s Annual Report on Form 10-K for the Year Ended June 30, 2020 (File No. 0-51176). |
| (7) | Incorporated herein by reference to the Company’s Quarterly Report on Form 10-Q for the quarter ended December 31, 2008 (File No. 0-51176). |
| (8) | Incorporated herein by reference to the Company’s Form 8-K filed on August 15, 2024 (File No. 000-51176). |
| (9) | Incorporated herein by reference to the Company’s Quarterly Report on Form 10-Q for the quarter ended December 31, 2025 (File No. 0-51176). |
| (10 | Incorporated herein by reference to the Company’s Annual Report on Form 10-K for the Year Ended June 30, 2025 (File No. 0-51176). |
| (b) | Exhibits. The exhibits required by Item 601 of Regulation S-K are either filed as part of this Annual Report on Form 10-K or incorporated by reference herein. |
| (c) | Financial Statements and Schedules Excluded from Annual Report. There are no other financial statements and financial statement schedules which were excluded from the Annual Report to Stockholders pursuant to Rule 14a-3(b) which are required to be included herein. |
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