First Federal Savings Bank of Kentucky
Frankfort, KY
IDRSSD: 741974
Total Assets
$289.08M
Latest filing
Total Deposits
$214.00M
Latest filing
Net Interest Margin
3.06%
Profitability
Key People
Loading leadership data...
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 01/30/2026Established 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
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
Similar banks
Independent Correspondent Bankers' Bank, Inc.
Frankfort, Kentucky
→
Assets: $144.98MΔ -49.8%
Citizens Guaranty Bank
Richmond, Kentucky
→
Assets: $291.42MΔ +0.8%
Bank of Edmonson County
Brownsville, Kentucky
→
Assets: $285.20MΔ -1.3%
Hometown Bank of Corbin, Inc.
Corbin, Kentucky
→
Assets: $297.60MΔ +3.0%
United Citizens Bank of Southern Kentucky
Columbia, Kentucky
→
Assets: $268.95MΔ -6.9%
The Farmers Bank of Milton
Milton, Kentucky
→
Assets: $309.11MΔ +7.0%
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 | 01/30/2026 |
| CERT | 29937 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $289.08M |
| Total Deposits | $214.00M |
| Total Liabilities | $258.99M |
| Total Equity Capital | $30.09M |
| Net Income | $382.00k |
| Net Loans and Leases | $251.94M |
| Assets Per Employee ($Millions) | $5.67M |
| Bank Premises and Fixed Assets | $3.56M |
| Cash and Balances due from Depository Institutions | $14.01M |
| Deposits Held in Domestic Offices | $214.00M |
Key Performance Ratios
| Return on Assets (ROA) | 0.53% |
| Return on Equity (ROE) | 5.11% |
| Net Interest Margin | 3.06% |
| Efficiency Ratio | 77.7% |
| 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 | 10.407% |
| Earning Assets to total Assets | 95.18% |
Income and Expense
| Total Interest Income | $4.16M |
| Total Noninterest Income | $178.00k |
| Total Interest Expense | $2.05M |
| Total Noninterest Expense | $1.77M |
| Net Interest Income | $2.10M |
| Pre-tax Net Operating Income | $509.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $43.45M |
| Federal Funds Sold & Reverse Repurchase Agreement | $2.24M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.54M |
| Total Liabilities and Capital | $289.08M |
Securities
| Securities | $8.86M |
| Available-for-sale debt securities | $8.77M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $93.00k |
| 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?
$289.08M as of the latest filing.
How much are First Federal Savings Bank of Kentucky's total deposits?
$214.00M in total deposits.
Where is First Federal Savings Bank of Kentucky located?
Frankfort, KY.
What is the Net Interest Margin?
3.06%.
How many domestic offices does it operate?
6.
When was it established?
01/01/1934.
What is the Return on Assets (ROA)?
0.53%.
How much are total loans and leases?
$251.94M (latest filing).
What is the total interest income (latest filing)?
$4.16M.