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First Federal Savings And Loan Association
Morehead, KY · FDIC Certificate #31409 · Chartered 08/1
Total assets
$41.33M
Total deposits
$30.32M
Total equity
$10.56M
Net loans
$36.43M
Branches (offices)
1
Net income (YTD)
$110.00K
Rank: #4,093 of 4,213 U.S. banks by assets · #118 of 120 in Kentucky. Assets changed 1.9% and deposits 7.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.54% |
| Return on equity | 2.09% |
| Net interest margin (YTD) | 4.12% |
| Equity to assets | 25.55% |
| Tier 1 leverage ratio | 25.61% |
| Uninsured deposits (share of deposits) | 4.6% |
| Noncurrent loans (share of loans) | 3.07% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 120.1% |
| Real estate loans (share of loans) | 87.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $31.76M | 87.2% | |
| Commercial & industrial | $4.19M | 11.5% | |
| Consumer / individual | $543.00K | 1.5% | |
| Construction & development | $2.28M | 6.3% | |
| Agricultural | $398.00K | 1.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $35.93M | $25.58M | $34.00K | $10.02M |
| Jun 2023 | $35.95M | $25.52M | $3.00K | $10.15M |
| Jun 2024 | $38.81M | $26.85M | $52.00K | $10.22M |
| Jun 2025 | $40.55M | $28.31M | $66.00K | $10.47M |
| Jun 2026 | $41.33M | $30.32M | $110.00K | $10.56M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $30.32M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $30.32M.
Similar-sized banks
Community State Bank ($41.40M) · The Farmers State Bank Of Turton ($41.22M)
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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