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First Federal Savings and Loan Association

under $100M Specialty: Commercial KY FDIC cert 31409

Designations: ✓ Community bank ✓ Mutual

Morehead, 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 536 banks in the under $100M peer group nationwide — 1 of 15 in KY.
  • Deposits +7.1% year over year ($30.3M on the books).
  • Delinquency rate 3.10%.
  • Return on assets 0.54%.
  • Efficiency ratio 82.59% vs a 119.40% peer average.
  • Loan-to-deposit ratio 120.13% vs a 74.21% peer average.

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

536 banks in the under $100M peer group nationally 15 in KY
View under $100M leaderboard (KY) →

First Federal Savings and Loan Association has 2 strengths but faces 5 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

  • + Net Interest Margin 0.21% above tier average
  • + Efficiency Ratio 36.80% below tier average

Key Concerns

Areas that may need attention

  • - Loan-to-Deposit Ratio 45.92% above tier average
  • - Non-Interest-Bearing Deposit Share 23.23% below tier average
  • - Nonperforming Asset Ratio 1.90% above tier average
  • - ROA 0.46% below tier average
  • - Delinquency Rate 1.62% above tier average
Get updates when First Federal Savings and Loan Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $41.3M
+1.9% YoY +1.2% QoQ
-$21.1M $62.4M
-0.0% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
22%
Total Loans ? $36.4M
+2.5% YoY -0.2% QoQ
+$1.5M $34.9M
-0.6% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
55%
Total Deposits ? $30.3M
+7.1% YoY +1.3% QoQ
-$21.3M $51.6M
-0.2% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
20%
Return on Assets ? 0.54%
+64.3% YoY -13.2% QoQ
-0.46% 1.00%
+3.5% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
27%
Net Interest Margin ? 4.12%
+11.8% YoY -0.4% QoQ
+0.21% 3.91%
+2.3% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
61%
Efficiency Ratio ? 82.59%
-6.1% YoY +2.3% QoQ
-36.80% 119.40%
+49.6% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
27%
Delinquency Rate ? 3.10%
+58.5% YoY +43.1% QoQ
+1.62% 1.48%
+31.8% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
Bottom 11.8% in tier
Loan-to-Deposit Ratio ? 120.13%
-4.3% YoY -1.5% QoQ
+45.92% 74.21%
+12.6% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
Bottom 2.2% in tier
Non-Interest-Bearing Deposit Share ? 0.26%
-38.3% YoY -12.3% QoQ
-23.23% 23.49%
+0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
Bottom 5.4% in tier
Nonperforming Asset Ratio ? 2.74%
+59.4% YoY +41.1% QoQ
+1.90% 0.84%
+23.0% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
Bottom 6.0% in tier
Tier 1 Capital Ratio ? 40.77%
+2.8% YoY +5.4% QoQ
+13.65% 27.13%
+3.0% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
Top 10.4% in tier
Non-Interest Income / Assets ? 0.05%
-33.4% YoY -1.2% QoQ
-1.33% 1.38%
+6.3% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
16%

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 0.3%
-0.2pp YoY
0.0pp QoQ
 -24.4pp 24.6% 23.5% 22.2% 1%
Brokered Deposits n/a n/a 9.8% 5.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
C&I 11.5%
-2.4pp YoY
-1.6pp QoQ
 -1.9pp 13.4% 8.6% 12.5% 56%
CRE 19.9%
+1.6pp YoY
+0.1pp QoQ
 -5.4pp 25.2% 37.1% 41.4% 50%
1-4 Family 64.1%
+1.0pp YoY
+1.9pp QoQ
 +29.1pp 35.0% 41.6% 31.3% 83%
Consumer 1.5%
0.0pp YoY
-0.2pp QoQ
 -6.2pp 7.7% 4.8% 5.0% 16%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio 40.8%
+1.1pp YoY
+2.1pp QoQ
 +2.1pp 38.7% 20.2% 19.7% 82%
Leverage Ratio 25.6%
-0.5pp YoY
-0.4pp QoQ
 +7.9pp 17.7% 14.0% 12.6% 91%
Total Capital Ratio 42.0%
+1.1pp YoY
+2.1pp QoQ
 +2.4pp 39.7% 21.3% 20.8% 82%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 6
+1 (+20.0%) YoY
0 QoQ
 -6 12 105 482 13%
Assets per Employee ($) $6.9M
-15.1% YoY
+1.2% QoQ
 +$699K $6.2M $6.3M $8.8M 64%
Branch Count 1
0 YoY
0 QoQ
 -1 1 8 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Past Due 90+ Days 1.2%
+0.4pp YoY
+0.7pp QoQ
 +0.2pp 1.0% 0.3% 0.4% 78%
Nonaccrual 1.9%
+0.7pp YoY
+0.2pp QoQ
 +0.2pp 1.7% 0.8% 1.0% 73%
Allowance Coverage 0.40x
-36.9% YoY
-29.5% QoQ
 -6.01x 6.41x 7.45x 20.23x 14%
Net Charge-off Rate (YTD) n/a n/a 0.2% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 2.1%
+0.8pp YoY
-0.3pp QoQ
 -4.3pp 6.4% 13.3% 11.6% 19%
Cost of Funds (YTD) 2.1%
-0.2pp YoY
0.0pp QoQ
 +0.7pp 1.4% 1.7% 1.7% 86%
Net Income ($, YTD) $110,000
+66.7% YoY
— QoQ
 -$208K $317,817 $5.1M $40.4M 24%

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 (0)

No matched concern signatures this quarter

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 536 peers in under $100M

Top Strengths (1 metrics)

57
Tier 1 Capital Ratio
capital
Value: 40.77%
Peer Median: 27.13%
#57 of 536 Top 10.4% in under $100M

Top Weaknesses (7 metrics)

525
Loan-to-Deposit Ratio
liquidity
Value: 120.13%
Peer Median: 74.21%
#525 of 536 Bottom 2.2% in under $100M
508
Non-Interest-Bearing Deposit Share
funding
Value: 0.26%
Peer Median: 23.49%
#508 of 536 Bottom 5.4% in under $100M
505
Nonperforming Asset Ratio
credit_quality
Value: 2.74%
Peer Median: 0.84%
#505 of 536 Bottom 6.0% in under $100M
457
Delinquency Rate
credit_quality
Value: 3.10%
Peer Median: 1.48%
#457 of 517 Bottom 11.8% in under $100M
453
Non-Interest Income / Assets
revenue_mix
Value: 0.05%
Peer Median: 1.38%
#453 of 536 Bottom 15.7% in under $100M
432
Total Deposits
size
Value: $30.32M
Peer Median: $51.62M
#432 of 536 Bottom 19.6% in under $100M
421
Total Assets
size
Value: $41.33M
Peer Median: $62.44M
#421 of 536 Bottom 21.6% in under $100M
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