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

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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
NameAddressCity / State
First Federal Savings Bank of Kentucky (Main)216 W Main StFrankfort, KY
194 VERSAILLES RD BRANCH194 Versailles RdFrankfort, KY
U S HWY 127 SOUTH BRANCH1220 Us Highway 127 SFrankfort, KY
DANVILLE BRANCH120 Skywatch DrDanville, KY
DANVILLE BR340 W Main StDanville, KY
FIRST LANCASTER FEDERAL SAVINGS BANK BRANCH208 Lexington StLancaster, 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

Institution Profile

Institution ClassFederal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS
Primary RegulatorOCC
Established Date01/01/1934
Community BankYes
Ownership TypeNot Mutual
ZIP40601
State and County Number21073
Subchapter S CorporationsNo
Trust PowersN/A
Federal Reserve ID Number08
Numeric code33
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictChicago
Core Based Statistical Area NameFrankfort, KY

Operational Info

Number of Employees50
Domestic Offices6
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance08/09/1989
Primary Insurance AgencyDIF
Websiteffsbky.bank
Data Updated11/14/2025
CERT29937
Office of The Comptroller District:
Office of Thrift Supervision RegionN/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 Margin2.87%
Efficiency Ratio79.62%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets10.274%
Earning Assets to total Assets95.53%

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.