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First Federal Savings and Loan Association Locations & Branches Morehead, Kentucky
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First Federal Savings and Loan Association operates 1 branch from its headquarters in Morehead, KY, . Its main office is at 211 W Main St, Morehead, KY 40351.
First Federal Savings and Loan Association branch network
Its one office is in Morehead, KENTUCKY. It had the same number of branches on June 30, 2025.
First Federal Savings and Loan Association at a glance
Its CET1 capital ratio was 40.77% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $41.3M
- CET1 ratio, Q2 2026
- 40.77%
- Deposit insurance
- FDIC
- Regulator
- OCC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1963
Full financial profile · Is First Federal Savings and Loan Association safe? · First Federal Savings and Loan Association Q3 2026 call report, filed October 23, 2026 (preliminary) · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Morehead, KY (1 branch) | 6 of 8 | 5.4% | $30.3M |
| State: KY (1 branch) | 145 of 152 | <0.1% | $30.3M |
Ranked by total assets among banks headquartered in the state: Largest banks in Kentucky.
Share by county and metro area
First Federal Savings and Loan Association's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Rowan, KY (1 branch) | 6 of 8 | 5.4% | $30.3M | $557.2M |
Metro area share: not on file. None of this bank's branches sit in a metropolitan or micropolitan area in the FDIC branch directory.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Federal Savings and Loan Association (main office) | Morehead, KY | 40351 | $30.3M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 31409) · FFIEC NIC profile (RSSD 411174)