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First Federal Savings Bank Of Kentucky
Frankfort, KY · FDIC Certificate #29937 · Chartered 01/0
Total assets
$282.64M
Total deposits
$207.81M
Total equity
$30.06M
Net loans
$247.43M
Branches (offices)
6
Net income (YTD)
$1.00M
Rank: #2,556 of 4,213 U.S. banks by assets · #65 of 120 in Kentucky. Assets changed -1.2% and deposits -5.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.70% |
| Return on equity | 6.63% |
| Net interest margin (YTD) | 3.37% |
| Equity to assets | 10.64% |
| Tier 1 leverage ratio | 10.48% |
| Uninsured deposits (share of deposits) | 7.8% |
| Noncurrent loans (share of loans) | 0.44% |
| Net charge-offs (share of loans) | 0.12% |
| Loans to deposits | 119.1% |
| Real estate loans (share of loans) | 100.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $247.85M | 100.2% | |
| Commercial & industrial | $493.00K | 0.2% | |
| Consumer / individual | $741.00K | 0.3% | |
| Construction & development | $15.59M | 6.3% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $243.75M | $193.78M | $337.00K | $31.04M |
| Jun 2023 | $260.43M | $182.75M | $126.00K | $30.58M |
| Jun 2024 | $287.10M | $204.40M | -$955.00K | $28.90M |
| Jun 2025 | $286.18M | $219.38M | $249.00K | $29.32M |
| Jun 2026 | $282.64M | $207.81M | $1.00M | $30.06M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $207.81M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $207.81M.
Similar-sized banks
The Farmers Bank ($282.70M) · Hnb First Bank ($282.41M)
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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