BanksFIRST FEDERAL SAVINGS AND LOAN ASSOCIATION

FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION

HAZARD, KYMicroEst. July 26, 1960, midnightFDIC #31197RSSD #831875OCC
Latest · 2025-12-31

FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION is an FDIC-insured commercial bank headquartered in HAZARD, KY, established in July 26, 1960, midnight. As of 2025-12-31, the bank reported total assets of $86M and total deposits of $60M. Profitability stands at 0.33% ROA and 1.56% ROE, with a net interest margin of 2.87%. CET1 capital ratio: 20.84%, well above regulatory minimums. NPL ratio: 1.51% · Texas Ratio: 6.42%. Operates 1 domestic branch.

Assets
$86M
Deposits
$60M
Loans
$79M
Equity
$18M

Profitability

Return on Assets (ROA)0.33%
Return on Equity (ROE)1.56%
Net Interest Margin2.87%
Yield on Assets5.43%
Cost of Funds3.00%

Asset Quality

NPL Ratio1.51%
Net Charge-Off Ratio0.00%
Texas Ratio6.42%
NPA Ratio1.38%
ACL / Loans0.65%

Capital & Liquidity

CET1 Ratio20.84%
Tier 1 Capital20.84%
Total Capital Ratio21.89%
Leverage Ratio21.44%
Loan-to-Deposit131.19%

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