Kentucky First Federal Bancorp

For the period ended Jun 30, 2026. Filed Sep 28, 2026.

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FY2026 · Filed Sep 28, 2026

KFFB$5.64-4.8%Stored close · as of Nov 9, 2026

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Contents

EX-13 · Our Operating Strategy

Our Operating Strategy

Our mission is to operate and grow profitable, community-oriented financial institutions serving primarily retail customers in our market areas. We plan to pursue a strategy of:

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operating two community-oriented savings institutions, First Federal of Hazard, which serves customers in Perry and surrounding counties in eastern Kentucky, and First Federal of Kentucky, which serves customers primarily in the central Kentucky counties of Franklin, Boyle, and Garrard, as well as their surrounding counties. Each Bank emphasizes traditional thrift activities of accepting deposits and originating primarily residential mortgage loans for portfolio;

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continuing our historic heavy reliance on our deposit base to fund our lending and investment activities and while increasing and diversifying those deposits to include more consumer core deposits, commercial deposits and public deposits and to supplement deposits with FHLB advances when advantageous or necessary;

●	gradually pursuing opportunities to increase and diversify lending in our market areas;

●	applying conservative underwriting practices to maintain the high quality of our loan portfolios;

●	managing our net interest margin and interest rate risk; and

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entertaining possibilities of expansion into other markets through branching or acquisition, if such possibilities are beneficial to the Company’s shareholders, provide a good fit within the Company’s mutual holding company framework and can be accomplished without undue encumbrance of the Company’s other operational areas.

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