FIRST FEDERAL SAVINGS BANK OF KENTUCKY

FRANKFORT, KY | Small | Est. Jan. 1, 1934, midnight | FDIC #29937 | RSSD #741974 | OCC
Latest Report: 2025-12-31

FIRST FEDERAL SAVINGS BANK OF KENTUCKY is asn small FDIC-insured commercial bank headquartered in FRANKFORT, KY, established in Jan. 1, 1934, midnight. As of 2025-12-31, the bank reported total assets of $289M and total deposits of $214M. Profitability stands at 0.53% ROA and 5.11% ROE, with a net interest margin of 3.17%. The bank's CET1 capital ratio is 10.33%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.45% and a Texas Ratio of 3.63%. FDIC Certificate #29937.

Assets

$289M

Deposits

$214M

Loans

$254M

Equity

$30M

Profitability

Return on Assets (ROA) 0.53%
Return on Equity (ROE) 5.11%
Net Interest Margin (NIM) 3.17%
Yield on Assets 6.25%
Cost of Funds 3.19%

Asset Quality

NPL Ratio 0.45%
Net Charge-Off Ratio 0.00%
Texas Ratio 3.63%
NPA Ratio 0.40%
ACL / Loans 0.66%

Capital & Liquidity

CET1 Ratio 10.33%
Tier 1 Capital 10.33%
Total Capital Ratio 10.85%
Leverage Ratio 10.37%
Loan-to-Deposit 118.51%

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