Kentucky First Federal Bancorp is classed by the SEC under Savings Institution, Federally Chartered (industry code 6035), based in Hazard, KY. Its latest filed balance sheet (2025-06-30) shows total assets of $375 million (its filed statements).
Lending businessSavings Institution, Federally CharteredHazard, KYfilings since 20046 of 9 filed, 3 estimated
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6035, Savings Institution, Federally Chartered); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 4.2 out of ten, 6 of 9 metrics filed and 3 estimated: past 3.2 out of ten, present 3.3 out of ten, future 7.1 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
Surviving crises (past): 2.6 out of ten. 6 warning events since 2017; the latest 2025-09-30. 26th percentile among 34 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Track record (past): 1.4 out of ten. -0.3% a year over 10 filed years; profitable in 7 of 8. 14th percentile among 30 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Shareholder treatment (past): 5.0 out of ten. CrossAssetData estimate 5.0/10, confidence 35 of 100 (one part). 50th percentile among 33 sector filers. A CrossAssetData estimate, not a filed reading: one part, confidence 35 of 100; a filing that carries the missing parts replaces this estimate with the filed reading.
Financial health (present): 4.3 out of ten. ROE 0%: 0¢ of profit per shareholder dollar. Leverage 87%: owes 87¢ per asset dollar. 43rd percentile among 33 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Industry position (present): 1.2 out of ten. bottom 12% of 31 in its family; net margin 7.3%. 12th percentile among 31 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Leadership (present): 4.5 out of ten. CrossAssetData estimate 4.5/10, confidence 20 of 100 (family median). 50th percentile among 29 sector filers. A CrossAssetData estimate, not a filed reading: family median, confidence 20 of 100; its next annual report on file with the inputs replaces this estimate with the filed reading.
Room to expand (future): 5.9 out of ten. CrossAssetData estimate 5.9/10, confidence 35 of 100 (one part). 59th percentile among 33 sector filers. A CrossAssetData estimate, not a filed reading: one part, confidence 35 of 100; a filing that carries the missing parts replaces this estimate with the filed reading.
Growth drivers (future): 6.2 out of ten. top 38% of 30 in its family for growth drivers. 62nd percentile among 30 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Expectations vs reality (future): 9.3 out of ten. top 7% of 29 in its family for expectations against reality. 93rd percentile among 29 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-09-28 for the period ended 2026-06-30 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-05-15 for the period ended 2026-03-31 (on EDGAR). Newest results release: Form 8-K filed 2026-08-11 for the period ended 2026-08-07 (on EDGAR). Newest filing: Form 10-K, 2026-09-28. Filings on record since 2004. Read from EDGAR 2026-10-12.
Who runs it
Johnson, William H (Vice President). 1 officer or director has filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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