First Federal Savings and Loan Association
Hazard, KY
IDRSSD: 831875
Total Assets
$84.13M
Latest filing
Total Deposits
$57.16M
Latest filing
Net Interest Margin
2.52%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First Federal Savings and Loan Association
479 Main St
Hazard, KY 41701
Full Service - Brick and Mortar
Updated 11/14/2025Established 07/26/1960FDIC Certificate 44031
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| First Federal Savings and Loan Association (Main) | 479 Main St | Hazard, KY | ||
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 07/26/1960 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 41701 |
| State and County Number | 21193 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 37 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 9 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.firstfederalhazard.com |
| Data Updated | 11/14/2025 |
| CERT | 31197 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $84.13M |
| Total Deposits | $57.16M |
| Total Liabilities | $66.18M |
| Total Equity Capital | $17.95M |
| Net Income | $70.00k |
| Net Loans and Leases | $76.18M |
| Assets Per Employee ($Millions) | $8.41M |
| Bank Premises and Fixed Assets | $625.00k |
| Cash and Balances due from Depository Institutions | $2.73M |
| Deposits Held in Domestic Offices | $57.16M |
Key Performance Ratios
| Return on Assets (ROA) | 0.33% |
| Return on Equity (ROE) | 1.56% |
| Net Interest Margin | 2.52% |
| Efficiency Ratio | 82.15% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 21.338% |
| Earning Assets to total Assets | 97.27% |
Income and Expense
| Total Interest Income | $1.04M |
| Total Noninterest Income | $1.00k |
| Total Interest Expense | $516.00k |
| Total Noninterest Expense | $428.00k |
| Net Interest Income | $520.00k |
| Pre-tax Net Operating Income | $93.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $8.71M |
| Federal Funds Sold & Reverse Repurchase Agreement | $758.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $313.00k |
| Total Liabilities and Capital | $84.13M |
Securities
| Securities | $2.65M |
| Available-for-sale debt securities | $2.58M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $61.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Federal Savings and Loan Association?
$84.13M as of the latest filing.
How much are First Federal Savings and Loan Association's total deposits?
$57.16M in total deposits.
Where is First Federal Savings and Loan Association located?
Hazard, KY.
What is the Net Interest Margin?
2.52%.
How many domestic offices does it operate?
1.
When was it established?
07/26/1960.
What is the Return on Assets (ROA)?
0.33%.
How much are total loans and leases?
$76.18M (latest filing).
What is the total interest income (latest filing)?
$1.04M.