First Federal Savings and Loan Association (Hazard, KY)
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Data as of · sourced from FFIEC call reports. How we update
First Federal Savings and Loan Association is an FDIC-insured savings institution headquartered in Hazard, KY, established in 1960 (FDIC certificate 31197), and it is supervised by the OCC. At Q2 2026 it reported total assets of $81.3M, down 5.2% from Q2 2025, the 107th largest of 120 banks headquartered in Kentucky. It reports no CET1 ratio; its Tier 1 leverage ratio was 21.58% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 31197
- Headquarters
- Hazard, KY
- Established
- 1960
- Total assets, Q2 2026
- $81.3M
- Assets vs Q2 2025
- -5.2%
- Tier 1 leverage ratio, Q2 2026
- 21.58%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 242170280
- Latest call report
- Q2 2026, FFIEC 051 · First Federal Savings and Loan Association call report
- Holding company
- KENTUCKY FIRST FEDERAL BANCORP
- Asset rank in state
- 107th of 120 in Kentucky
First Federal Savings and Loan Association pays more for its money than most banks of its size. Its balance sheet stood at $81 million at June 30, 2026, down 5.2% from a year earlier; it is based in Hazard, Kentucky. It pays an average of 2.92% on its deposits and borrowings, about double the median of 1.53% for the 583 banks with less than $100 million in assets. It also lost 4.8% of its deposits over the year, lower than about three-quarters of banks its size (median 2.5%).
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.69% of loans, down from 2.11% a year earlier.
As of June 30, 2026, First Federal Savings and Loan Association reported a return on assets of 1.07%, a nonperforming-loan ratio of 1.69% and a Texas ratio of 6.63%. The figures come from its call report filed with the FFIEC.
Of the 120 banks headquartered in Kentucky, First Federal Savings and Loan Association is the 107th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 6.7% to $81.3M, loans fell 6.0% and deposits fell 7.3%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 80.0% of total loans, ahead of non-owner-occupied commercial real estate loans at 6.7%. The FDIC Summary of Deposits lists a single office for it, in Hazard, KY. Judged on its Q2 2026 call report, First Federal Savings and Loan Association meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 479 Main St, Hazard, KY 41701
- County
- Perry
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 26, 1960
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 10
- Domestic deposits
- $56.6M
- Allowance for credit losses
- $531K
- Net charge-offs (YTD)
- $0
- Average total assets
- $84.5M
- Average total loans
- $76.1M
- Average interest-bearing deposits
- $59.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 31197
- Fed RSSD
- 831875
- SEC CIK
- 1297341 → filed by KENTUCKY FIRST FEDERAL BANCORP
- Website
- www.firstfederalhazard.com →
- Parent Holding Company
- KENTUCKY FIRST FEDERAL BANCORP (RSSD 3824494) · KFFB
- Ultimate Parent
- FIRST FEDERAL MHC (RSSD 3824476)
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Eades Tyler Wayne | CFO | VP & Chief Financial Officer |
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, First Federal Savings and Loan Association reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First Federal Savings and Loan Association's total assets ranged from $81.3M (Q2 2026) to $89.8M (Q2 2024), and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$81.3M total assets against $85.8M; $63.1M total liabilities against $67.9M.
$73.1M net loans and leases against $77.2M; $56.6M total deposits against $59.5M.
$2.1M securities against $2.8M; $4.3M cash and balances due against $3.7M.
$1.1M total interest income against $1.0M; $432K total interest expense against $536K.
$705K net interest income against $493K.
$1K total noninterest income against -$3K; $395K total noninterest expense against $417K.
$9K provision for credit losses against $3K.
$227K net income against $51K.
1.07% return on assets against 0.24%; 3.38% net interest margin against 2.30%.
21.58% tier 1 leverage ratio against 20.74%.
Inside the full First Federal Savings and Loan Association terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
First Federal Savings and Loan Association rankings
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.12% (Q1 2025) to 1.07% (Q2 2026) and its net interest margin ran from 1.90% (Q3 2024) to 3.38% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 21.58% | 1.07% | 1.69% | 6.63% | 3.38% |
| Q1 2026 | 21.17% | 0.82% | 1.58% | 6.60% | 3.10% |
| Q4 2025 | 21.44% | 0.33% | 1.85% | 7.86% | 2.72% |
| Q3 2025 | 21.41% | 0.33% | 2.24% | 9.30% | 2.51% |
| Q2 2025 | 20.74% | 0.24% | 2.11% | 8.91% | 2.30% |
| Q1 2025 | 20.49% | 0.12% | 2.36% | 10.19% | 2.24% |
| Q4 2024 | 20.77% | 0.23% | 1.84% | 7.92% | 2.06% |
| Q3 2024 | 20.47% | 0.23% | 1.36% | 5.94% | 1.90% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Federal Savings and Loan Association (main office) | Hazard , KY | 41701 | $56.6M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 3 against the institution (SEC Form 8-K)
- February 19, 2026, SEC Form 8-K: 8-K Item 1.02: written agreement
- August 15, 2024, SEC Form 8-K: 8-K Item 1.01: written agreement
- August 15, 2024, SEC Form 8-K: 8-K Item 9.01: written agreement
- Period: Most recent institution action February 19, 2026. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in KY, rank 139 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Federal Savings and Loan Association
What are First Federal Savings and Loan Association's total assets?
As of the Q2 2026 filing, First Federal Savings and Loan Association reported total assets of $81.3 million in its FFIEC call report.
Where is First Federal Savings and Loan Association headquartered?
It is headquartered in Hazard, KY, United States.
When was First Federal Savings and Loan Association founded?
It was established in 1960, per the FDIC institution directory.
Is First Federal Savings and Loan Association FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #31197). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Federal Savings and Loan Association?
First Federal Savings and Loan Association's primary federal regulator is the OCC.
How many branches does First Federal Savings and Loan Association operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Federal Savings and Loan Association's Texas Ratio?
Its Texas Ratio is 6.63% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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