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First Federal Savings Bank of Kentucky

$100M-$1B Specialty: Mortgage KY FDIC cert 29937

Frankfort, KY

6 branches across KY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 88 in KY.
  • Deposits -5.3% year over year ($207.8M on the books).
  • Delinquency rate 0.44%.
  • Return on assets 0.70%.
  • Efficiency ratio 68.96% vs a 64.48% peer average.
  • Loan-to-deposit ratio 119.06% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 88 in KY
View $100M-$1B leaderboard (KY) →

First Federal Savings Bank of Kentucky has 1 strength but faces 8 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.47% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 7.8% in tier
  • - Capital Thin: Bottom 13.0% in tier
  • - Deposit Outflow: Bottom 31.6% in tier
  • - Liquidity Strain: Bottom 43.6% in tier
  • - Capital Constraint: Bottom 58.9% in tier
  • - Non-Interest-Bearing Deposit Share 15.88% below tier average
  • - ROA 0.62% below tier average
  • - Net Interest Margin 0.62% below tier average
Get updates when First Federal Savings Bank of Kentucky releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $282.6M
-1.2% YoY -1.8% QoQ
-$103.9M $386.6M
+1.2% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
43%
Total Loans ? $247.4M
-1.4% YoY -1.4% QoQ
-$10.9M $258.3M
+1.7% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
58%
Total Deposits ? $207.8M
-5.3% YoY -2.8% QoQ
-$118.9M $326.7M
+0.7% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
36%
Return on Assets ? 0.70%
+307.3% YoY +5.7% QoQ
-0.62% 1.32%
+10.8% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
19%
Net Interest Margin ? 3.37%
+34.6% YoY +4.8% QoQ
-0.62% 3.99%
+5.0% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
22%
Efficiency Ratio ? 68.96%
-23.7% YoY -4.7% QoQ
+4.48% 64.48%
-3.2% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
33%
Delinquency Rate ? 0.44%
-50.3% YoY -6.4% QoQ
-0.47% 0.92%
+15.7% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
49%
Loan-to-Deposit Ratio ? 119.06%
+4.1% YoY +1.4% QoQ
+41.11% 77.95%
+1.0% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
Bottom 1.4% in tier
Non-Interest-Bearing Deposit Share ? 6.15%
+14.3% YoY +5.6% QoQ
-15.88% 22.03%
-0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
Bottom 4.9% in tier
Nonperforming Asset Ratio ? 0.42%
-46.8% YoY +0.6% QoQ
-0.25% 0.67%
+16.4% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
43%
Tier 1 Capital Ratio ? 10.48%
+5.1% YoY -0.7% QoQ
-5.43% 15.91%
+1.4% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
16%
Non-Interest Income / Assets ? 0.11%
+46.7% YoY +117.6% QoQ
-0.46% 0.57%
+7.6% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
20%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Noninterest-Bearing 6.1%
+0.8pp YoY
+0.3pp QoQ
 -16.0pp 22.1% 23.5% 22.2% 4%
Brokered Deposits 10.6%
-4.0pp YoY
-2.5pp QoQ
 +2.8pp 7.9% 5.4% 8.5% 76%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
C&I 0.2%
-0.1pp YoY
0.0pp QoQ
 -11.4pp 11.6% 8.6% 12.5% 1%
CRE 19.7%
+2.5pp YoY
-0.9pp QoQ
 -19.8pp 39.5% 37.1% 41.4% 18%
1-4 Family 79.7%
-1.8pp YoY
+1.1pp QoQ
 +47.1pp 32.6% 41.6% 31.3% 96%
Consumer 0.3%
-0.1pp YoY
0.0pp QoQ
 -3.8pp 4.1% 4.8% 5.0% 11%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 20.2% 19.7% n/a
Leverage Ratio 10.5%
+0.5pp YoY
-0.1pp QoQ
 -1.7pp 12.2% 14.0% 12.6% 41%
Total Capital Ratio n/a n/a 19.9% 21.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 48
-2 (-4.0%) YoY
-2 (-4.0%) QoQ
 -11 58 105 482 50%
Assets per Employee ($) $5.9M
+2.9% YoY
+2.3% QoQ
 -$1.6M $7.5M $6.3M $8.8M 31%
Branch Count 6
0 YoY
0 QoQ
 +1 4 8 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Past Due 90+ Days 0.1%
-0.2pp YoY
+0.1pp QoQ
 -0.2pp 0.3% 0.3% 0.4% 47%
Nonaccrual 0.4%
-0.3pp YoY
-0.1pp QoQ
 -0.6pp 0.9% 0.8% 1.0% 44%
Allowance Coverage 1.57x
+111.3% YoY
+10.4% QoQ
 -22.58x 24.15x 7.45x 20.23x 40%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
 0.0pp 0.1% 0.1% 0.2% 79%

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 6.6%
+4.9pp YoY
+0.3pp QoQ
 -5.6pp 12.2% 13.3% 11.6% 19%
Cost of Funds (YTD) 2.7%
-0.4pp YoY
-0.1pp QoQ
 +1.0pp 1.7% 1.7% 1.7% 95%
Net Income ($, YTD) $1.0M
+302.4% YoY
— QoQ
 -$1.6M $2.6M $5.1M $40.4M 27%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (5)

Flatlined Growth

risk
#42 of 529 • Bottom 7.8% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.70%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

Capital Thin

risk
#87 of 661 • Bottom 13.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.48%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Deposit Outflow

decline
#170 of 535 • Bottom 31.6% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#302 of 691 • Bottom 43.6% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 119.06%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Capital Constraint

risk
#64 of 107 • Bottom 58.9% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 119.06%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 10.48%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (6 metrics)

2606
Loan-to-Deposit Ratio
liquidity
Value: 119.06%
Peer Median: 77.95%
#2606 of 2643 Bottom 1.4% in $100M-$1B
2514
Non-Interest-Bearing Deposit Share
funding
Value: 6.15%
Peer Median: 22.03%
#2514 of 2643 Bottom 4.9% in $100M-$1B
2213
Tier 1 Capital Ratio
capital
Value: 10.48%
Peer Median: 15.91%
#2213 of 2643 Bottom 16.3% in $100M-$1B
2142
Return on Assets
profitability
Value: 0.70%
Peer Median: 1.32%
#2142 of 2643 Bottom 19.0% in $100M-$1B
2119
Non-Interest Income / Assets
revenue_mix
Value: 0.11%
Peer Median: 0.57%
#2119 of 2643 Bottom 19.9% in $100M-$1B
2055
Net Interest Margin
profitability
Value: 3.37%
Peer Median: 3.99%
#2055 of 2643 Bottom 22.3% in $100M-$1B
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