What is First Federal Savings Bank of Kentucky's financial health grade?

First Federal Savings Bank of Kentucky has a TFS Financial Health Grade of F (score: 52.0/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First Federal Savings Bank of Kentucky have?

First Federal Savings Bank of Kentucky has 6 branch locations across the United States.

Is First Federal Savings Bank of Kentucky FDIC insured?

Yes, First Federal Savings Bank of Kentucky is FDIC insured (Certificate #29937).

What are the total assets of First Federal Savings Bank of Kentucky?

First Federal Savings Bank of Kentucky has total assets of $289.1M as reported in its most recent FDIC filing.

First Federal Savings Bank of Kentucky

BankFrankfort, Kentucky

ffsbky.bank

Total Assets

$289.1M

Total Deposits

$214.0M

Branches

Established

1934

TFS Health Grade

52.0 / 100

Poor financial health

How we grade

First Federal Savings Bank of Kentucky is a bank headquartered in Frankfort, Kentucky, established in 1934. With $289.1M in total assets and 6 branch locations, it has a TFS Financial Health Grade of F (52.0/100).

Capital & Safety

Tier 1 Capital Ratio

10.37%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

0.48%

Profitability

Return on Assets (ROA)

0.33%(1%)

Return on Equity (ROE)

3.27%(10%)

Net Interest Margin

2.73%

Efficiency Ratio

83.98%(60%)

Lending & Liquidity

Total Loans

$253.6M

Loan-to-Deposit Ratio

117.73%

Net Charge-Off Ratio

-0.00%

Growth

Asset Growth (YoY)

+0.41%

Deposit Growth (YoY)

+2.07%

Net Income

$963.0K

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
First Federal Savings Bank of KentuckyHQ	216 W Main St	Frankfort	KY	11
First Federal Savings Bank of Kentucky	340 W Main St	Danville	KY	11
First Federal Savings Bank of Kentucky	120 Skywatch Dr	Danville	KY	11
First Federal Savings Bank of Kentucky	194 Versailles Rd	Frankfort	KY	11
First Federal Savings Bank of Kentucky	1220 Us Highway 127 S	Frankfort	KY	11
First Federal Savings Bank of Kentucky	208 Lexington St	Lancaster	KY	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.