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First Federal Savings And Loan Association
Hazard, KY · FDIC Certificate #31197 · Chartered 07/2
Total assets
$81.30M
Total deposits
$56.61M
Total equity
$18.20M
Net loans
$73.11M
Branches (offices)
1
Net income (YTD)
$403.00K
Rank: #3,823 of 4,213 U.S. banks by assets · #107 of 120 in Kentucky. Assets changed -5.2% and deposits -4.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.95% |
| Return on equity | 4.44% |
| Net interest margin (YTD) | 3.30% |
| Equity to assets | 22.39% |
| Tier 1 leverage ratio | 21.58% |
| Uninsured deposits (share of deposits) | 4.1% |
| Noncurrent loans (share of loans) | 1.69% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 129.1% |
| Real estate loans (share of loans) | 100.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $73.13M | 100.0% | |
| Commercial & industrial | $0 | 0.0% | |
| Consumer / individual | $422.00K | 0.6% | |
| Construction & development | $612.00K | 0.8% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $84.06M | $48.24M | $393.00K | $18.43M |
| Jun 2023 | $89.08M | $45.48M | $183.00K | $18.04M |
| Jun 2024 | $89.83M | $54.35M | -$44.00K | $18.04M |
| Jun 2025 | $85.80M | $59.46M | $77.00K | $17.86M |
| Jun 2026 | $81.30M | $56.61M | $403.00K | $18.20M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $56.61M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $56.61M.
Similar-sized banks
Clarkson Bank ($81.41M) · The Atlanta National Bank ($81.27M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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