First Federal Savings Bank of Kentucky: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 43.38 percentage points in Q2 2026, from 148.51% to 191.89%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, First Federal Savings Bank of Kentucky is 104th of 119 on return on assets, 0.73% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. First Federal Savings Bank of Kentucky sits 0.52 points lower, at 0.73% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.48% |
| Equity capital to assets | 10.64% |
| Tangible equity to tangible assets | 10.64% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.36% |
| Non-performing assets ratio | 0.35% |
| Net charge-off ratio | 0.23% |
| Texas ratio | 3.71% |
| Allowance for credit losses to loans | 0.69% |
| Reserve coverage of non-performing loans | 191.89% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.73% |
| Return on equity | 6.93% |
| Net interest margin | 3.44% |
| Efficiency ratio | 65.83% |
| Yield on earning assets | 6.06% |
| Cost of funds | 2.85% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 119.89% |
| Core deposits to total deposits | 79.04% |
| Brokered deposits to total deposits | 10.61% |
| Deposits to assets | 73.53% |
| Securities to assets | 3.16% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.10% | -0.27% | 2.05% | 1.53% | 0.02% |
| Q4 2023 | 10.70% | -0.28% | 1.94% | 1.49% | 0.01% |
| Q1 2024 | 10.43% | -0.07% | 2.07% | 1.43% | 0.00% |
| Q2 2024 | 10.22% | -1.27% | 2.23% | 1.01% | -0.01% |
| Q3 2024 | 10.07% | -0.01% | 2.07% | 1.22% | 0.00% |
| Q4 2024 | 10.13% | 0.10% | 2.30% | 0.64% | -0.00% |
| Q1 2025 | 9.98% | 0.08% | 2.32% | 0.66% | 0.00% |
| Q2 2025 | 9.97% | 0.26% | 2.52% | 0.65% | -0.01% |
| Q3 2025 | 10.29% | 0.46% | 2.79% | 0.58% | 0.01% |
| Q4 2025 | 10.37% | 0.53% | 3.03% | 0.45% | -0.00% |
| Q1 2026 | 10.55% | 0.66% | 3.16% | 0.45% | 0.00% |
| Q2 2026 | 10.48% | 0.73% | 3.44% | 0.36% | 0.23% |
First Federal Savings Bank of Kentucky vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Savings Bank of Kentucky, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Federal Savings Bank of Kentucky profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29937) · FFIEC NIC profile (RSSD 741974)