Kentucky First Federal Bancorp (KFFB) Financial Statements (2026 and earlier)

Company Profile

Business Address 479 MAIN STREET
HAZARD, KY 41702
State of Incorp.
Fiscal Year End June 30
Industry (SIC) 6035 - Savings Institutions, Federally Chartered (benchmarking)
More info Complete Financial Analysis Financial Benchmarking

Balance Sheet (Statement of Financial Position) ($ in thousands)
Annual | Quarterly

3/31/2026
MRQ
12/31/2025
MRQ
6/30/2025
6/30/2024
6/30/2023
6/30/2022
6/30/2021
ASSETS
Current Assets
Cash, cash equivalents, and short-term investments19,67219,48018,2878,16725,82321,648
Cash and cash equivalent19,67219,48018,2878,16725,82321,648
Receivables   (2,127)   
Prepaid expense 99 21914438240
Deferred costs101     
Disposal group, including discontinued operation    8,16725,823 
Total current assets:19,87219,48016,37916,47852,02821,688
Noncurrent Assets
Property, plant, and equipment, after accumulated depreciation, depletion, and amortization4,1844,2114,2674,4354,5634,697
Long-term investments and receivables152171333,238   
Long-term investments152171213   
Accounts and financing receivable, after allowance for credit loss   333,025   
Intangible asset, including goodwill, after accumulated amortization    947947947
Goodwill    947947947
Prepaid expense      
Total noncurrent assets:4,3364,382337,5055,3825,5105,644
Other undisclosed assets351,070347,34921,084327,162270,542310,731
TOTAL ASSETS:375,278371,211374,968349,022328,080338,063
LIABILITIES AND EQUITY
Liabilities
Current Liabilities
Accounts payable and accrued liabilities  164216   
Accrued liabilities  164216   
Debt  7,69431,90366,36026,68023,807
Deferred compensation liability    174451
Total current liabilities:  7,85832,11966,53426,68423,858
Noncurrent Liabilities
Liabilities, other than long-term debt12230113513889614
Deferred income tax liabilities12230113513889614
Total noncurrent liabilities:12230113513889614
Other undisclosed liabilities326,055314,954294,739231,264248,482261,295
Total liabilities:326,177322,842326,971298,311276,055285,767
Equity
Equity, attributable to parent49,10148,36947,99750,71152,02552,296
Common stock868686868686
Treasury stock, value(3,969)(3,969)(3,969)(3,969)(3,508)(2,968)
Additional paid in capital34,89134,89134,89134,89134,89234,916
Accumulated other comprehensive loss(61)(145)(336)(427)  
Retained earnings18,15417,50617,32520,13020,56020,364
Unearned esop shares     (5)(102)
Total equity:49,10148,36947,99750,71152,02552,296
TOTAL LIABILITIES AND EQUITY:375,278371,211374,968349,022328,080338,063

Income Statement (P&L) ($ in thousands)
Annual | Quarterly

3/31/2026
TTM
12/31/2025
TTM
6/30/2025
6/30/2024
6/30/2023
6/30/2022
6/30/2021
Revenues20,02319,23716,2915255380
Gain (loss) on disposition of assets for financial service operations(39) 145255380
Net investment income20,06219,23716,277   
Cost of revenue(10)(15)(24)(113) (192)
Provision for loan, lease, and other losses(31) (24)(113) (192)
Amortization of mortgage servicing rights (msrs)  (15)    
Gross profit:20,01319,22216,267(108)255188
Operating expenses(1,899)(1,699)(1,850)(1,008)(1,046)(1,089)
Other operating income, net
(Noninterest Income, Other Operating Income)		    206217177
Operating income (loss):18,11417,52314,417(910)(574)(724)
Nonoperating income17786848,8569,16010,011
Bank owned life insurance income658684817878
Interest and debt expense   (9,283)(3,902)(1,754)(2,141)
Income from continuing operations before equity method investments, income taxes:18,29117,6095,2184,0446,8327,146
Other undisclosed loss from continuing operations before income taxes(17,183)(17,371)(7,178)(2,817)(4,765)(4,974)
Income (loss) from continuing operations before income taxes:1,108238(1,960)1,2272,0672,172
Income tax expense (benefit)(277)(57)239(294)(477)(352)
Income (loss) from continuing operations:831181(1,721)9331,5901,820
Income before gain (loss) on sale of properties:✕✕✕✕✕1,5901,820
Net income (loss) attributable to parent:831181(1,721)9331,5901,820
Other undisclosed net income (loss) available to common stockholders, basic180,819180,819(1,719,279)932,0671,588,410 
Net income (loss) available to common stockholders, basic:181,650181,000(1,721,000)933,0001,590,0001,820
Other undisclosed net income available to common stockholders, diluted      1,818,180
Net income (loss) available to common stockholders, diluted:181,650181,000(1,721,000)933,0001,590,0001,820,000

Comprehensive Income ($ in thousands)
Annual | Quarterly

3/31/2026
TTM
12/31/2025
TTM
6/30/2025
6/30/2024
6/30/2023
6/30/2022
6/30/2021
Net income (loss):831181(1,721)9331,5901,820
Other comprehensive loss(58)     
Other undisclosed comprehensive income50     
Comprehensive income (loss):823181(1,721)9331,5901,820
Other undisclosed comprehensive income (loss), net of tax, attributable to parent22319191(427) (2)
Comprehensive income (loss), net of tax, attributable to parent:1,046372(1,630)5061,5901,818

Statements Sources

The financial statements are based on the Company's filings with the U.S. Securities and Exchange Commission (SEC) through the Electronic Data Gathering, Analysis, and Retrieval system (EDGAR). The information is derived from the 10-K and 10-Q reports submitted to the SEC in XBRL (eXtensible Business Reporting Language) format and presented according to the US GAAP Taxonomy. Please review the original filings for a more detailed information.

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