Kentucky First Federal Bancorp
For the period ended Jun 30, 2026. Filed Sep 28, 2026.
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FY2026 · Filed Sep 28, 2026
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EX-13 · Troubled Debt Restructurings:
Troubled Debt Restructurings:
Prior to the adoption of ASC 326 a Troubled Debt Restructuring (“TDR”) was the situation where the Bank granted a concession to the borrower that the Banks would not otherwise have considered due to the borrower’s financial difficulties. All TDRs are considered “impaired.”
There were no loans modified to borrowers experiencing financial difficulty during the year ended June 30, 2026 or June 30, 2025.
The following tables present the aging of the principal balance outstanding past due loans as of June 30, 2026 and 2025, by class of loans. The tables include loans acquired with deteriorated credit quality. At June 30, 2026 and 2025, the table below includesno loans past due that were acquired with deteriorated credit quality.
| (in thousands) | 30-59 Days Past Due | 60-89 Days Past Due | 90 Days or Greater | Total Past Due | Loans Not Past Due | Total |
|---|---|---|---|---|---|---|
| Residential real estate | ||||||
| One- to four-family | $4,531 | $1,857 | $1,188 | $7,576 | $232,455 | $240,031 |
| Multi-family | 101 | - | - | 101 | 13,886 | 13,987 |
| Construction | - | 1,660 | - | 1,660 | 10,133 | 11,793 |
| Land | 6 | - | - | 6 | 1,860 | 1,866 |
| Farm | - | - | - | - | 1,756 | 1,756 |
| Nonresidential real estate | 697 | - | - | 697 | 32,146 | 32,843 |
| Commercial and industrial | - | - | - | - | 493 | 493 |
| Consumer and other | ||||||
| Loans on deposits | - | - | - | - | 488 | 488 |
| Home equity | - | - | - | - | 17,792 | 17,792 |
| Automobile | - | - | - | - | 122 | 122 |
| Unsecured | 23 | - | 23 | 491 | 514 | |
| $5,358 | $3,517 | $1,188 | $10,063 | $311,622 | $321,685 | |
| (in thousands) | 30-59 Days Past Due | 60-89 Days Past Due | 90 Days or Greater | Total Past Due | Loans Not Past Due | Total |
|---|---|---|---|---|---|---|
| Residential real estate | ||||||
| One- to four-family | $3,731 | $687 | $1,000 | $5,418 | $245,920 | $251,338 |
| Multi-family | - | 246 | - | 246 | 15,259 | 15,505 |
| Construction | 127 | - | 291 | 418 | 8,896 | 9,314 |
| Land | - | - | - | - | 1,508 | 1,508 |
| Farm | - | - | - | - | 3,023 | 3,023 |
| Nonresidential real estate | 1,704 | 25 | - | 1,729 | 29,969 | 31,698 |
| Commercial and industrial | - | - | - | - | 691 | 691 |
| Consumer and other | ||||||
| Loans on deposits | - | - | - | - | 813 | 813 |
| Home equity | - | - | - | - | 14,643 | 14,643 |
| Automobile | - | - | - | - | 134 | 134 |
| Unsecured | 23 | - | 23 | 728 | 751 | |
| $5,585 | $958 | $1,291 | $7,834 | $321,584 | $329,418 | |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.