First Federal Savings Bank of Kentucky
Frankfort, KY
IDRSSD: 741974
Total Assets
$288.98M
Latest filing
Total Deposits
$221.72M
Latest filing
Net Interest Margin
2.87%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First Federal Savings Bank of Kentucky
216 W Main St
Frankfort, KY 40601
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1934FDIC Certificate 42771
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First Federal Savings Bank of Kentucky (Main) | 216 W Main St | Frankfort, KY |
| 194 VERSAILLES RD BRANCH | 194 Versailles Rd | Frankfort, KY |
| U S HWY 127 SOUTH BRANCH | 1220 Us Highway 127 S | Frankfort, KY |
| DANVILLE BRANCH | 120 Skywatch Dr | Danville, KY |
| DANVILLE BR | 340 W Main St | Danville, KY |
| FIRST LANCASTER FEDERAL SAVINGS BANK BRANCH | 208 Lexington St | Lancaster, KY |
Showing 5 of 5
Quarterly Trends
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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 | 01/01/1934 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 40601 |
| State and County Number | 21073 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| Numeric code | 33 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Frankfort, KY |
Operational Info
| Number of Employees | 50 |
| Domestic Offices | 6 |
| 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 | ffsbky.bank |
| Data Updated | 11/14/2025 |
| CERT | 29937 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $288.98M |
| Total Deposits | $221.72M |
| Total Liabilities | $259.29M |
| Total Equity Capital | $29.69M |
| Net Income | $332.00k |
| Net Loans and Leases | $250.51M |
| Assets Per Employee ($Millions) | $5.78M |
| Bank Premises and Fixed Assets | $3.54M |
| Cash and Balances due from Depository Institutions | $16.35M |
| Deposits Held in Domestic Offices | $221.72M |
Key Performance Ratios
| Return on Assets (ROA) | 0.46% |
| Return on Equity (ROE) | 4.5% |
| Net Interest Margin | 2.87% |
| Efficiency Ratio | 79.62% |
| 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 | 10.274% |
| Earning Assets to total Assets | 95.53% |
Income and Expense
| Total Interest Income | $4.03M |
| Total Noninterest Income | $152.00k |
| Total Interest Expense | $2.06M |
| Total Noninterest Expense | $1.69M |
| Net Interest Income | $1.97M |
| Pre-tax Net Operating Income | $432.00k |
| 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 | $35.08M |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.35M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.49M |
| Total Liabilities and Capital | $288.98M |
Securities
| Securities | $9.24M |
| Available-for-sale debt securities | $9.14M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $100.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Federal Savings Bank of Kentucky?
$288.98M as of the latest filing.
How much are First Federal Savings Bank of Kentucky's total deposits?
$221.72M in total deposits.
Where is First Federal Savings Bank of Kentucky located?
Frankfort, KY.
What is the Net Interest Margin?
2.87%.
How many domestic offices does it operate?
6.
When was it established?
01/01/1934.
What is the Return on Assets (ROA)?
0.46%.
How much are total loans and leases?
$250.51M (latest filing).
What is the total interest income (latest filing)?
$4.03M.