Filing Analysis
Kentucky First Federal Bancorp announced its unaudited financial results for the three and twelve months ended June 30, 2026. The filing serves as a formal notice of the release of quarterly earnings.
📋 Key Facts
- Report date: August 7, 2026
- Reporting period: Twelve and three months ended June 30, 2026
- Results are unaudited
- The filing includes a press release as Exhibit 99.1
Kentucky First Federal Bancorp announced a quarterly dividend declaration of $0.05 per share.
📋 Key Facts
- Dividend amount: $0.05 per share.
- Record date: August 31, 2026.
- Payment date: September 21, 2026.
Kentucky First Federal Bancorp filed an amended 8-K to correct a clerical error in the item classification of a previous filing. The underlying event is the announcement of a special board meeting on July 28, 2026, to consider resuming quarterly dividend payments.
📋 Key Facts
- The filing is an Amendment (8-K/A) to a report filed on May 29, 2026.
- The primary purpose of the amendment is to correct the reporting item from 'Item 2.02' to 'Item 8.01'.
- A special meeting of the board of directors is scheduled for July 28, 2026.
- The objective of the meeting is to consider the resumption of the declaration and payment of a quarterly dividend.
Kentucky First Federal Bancorp announced that its board of directors will consider the resumption of quarterly dividends during a special board meeting scheduled for July 29, 2026.
📋 Key Facts
- The company is considering the resumption of quarterly dividends.
- A special board meeting is scheduled for July 29, 2026, to discuss this matter.
- The announcement was made via a press release dated May 29, 2026 (Exhibit 99.1).
Kentucky First Federal Bancorp (KFFB) reported its unaudited financial results for the three and nine months ended March 31, 2026. The announcement was made via a press release on May 11, 2026, and filed under Item 2.02.
📋 Key Facts
- Reported unaudited financial results for the fiscal quarter and nine months ended March 31, 2026.
- The press release was issued on May 11, 2026, and incorporated by reference as Exhibit 99.1.
- The filing was signed by Tyler Eades, Vice President and Chief Finance Officer.
Kentucky First Federal Bancorp disclosed that the OCC terminated its formal written agreement (dated August 13, 2024) with subsidiary First Federal Savings Bank of Kentucky on February 19, 2026. The bank is no longer in "troubled condition" and individual minimum capital requirements have been lifted. This is a materially positive regulatory development.
📋 Key Facts
- OCC terminated formal written agreement dated August 13, 2024 with First Federal Savings Bank of Kentucky
- Bank is no longer considered in 'troubled condition' pursuant to 12 C.F.R. § 5.51(c)(7)(ii)
- Bank is now an 'eligible savings association' for purposes of 12 C.F.R. § 5.3
- Individual minimum capital requirements imposed in connection with the Agreement have been lifted
- First Federal Savings Bank of Kentucky is an indirect wholly-owned subsidiary of KFFB
- Original agreement was disclosed in 8-K filed August 15, 2024
- Signed by CEO R. Clay Hulette
Kentucky First Federal Bancorp announced its unaudited financial results for the six and three months ended December 31, 2025. The filing serves as a formal notification of the release of quarterly/semi-annual earnings data.
📋 Key Facts
- Report date: February 10, 2026
- Reporting period: Six and three months ended December 31, 2025
- Financial results are unaudited
- The company filed an Exhibit 99.1 containing the full press release.
Kentucky First Federal Bancorp announced that regulators have provided final non-objection for the appointment of R. Clay Hulette as CEO of both the Company and its subsidiary, First Federal Savings Bank of Kentucky.
🚩 Red Flags
- Potential clerical error in filing text citing an October 8, 2035 report date.
📋 Key Facts
- R. Clay Hulette has received final regulatory non-objection to serve as Chief Executive Officer of Kentucky First Federal Bancorp.
- Mr. Hulette is also appointed as President and CEO of the bank subsidiary, First Federal Savings Bank of Kentucky.
- The appointment became effective on December 10, 2025.
- This follows a previous announcement regarding his interim role made on October 8, 2035 (Note: Filing contains a likely typo in year '2035' vs current context).
Kentucky First Federal Bancorp held its annual meeting of stockholders on November 18, 2025. The filing reports the results of shareholder votes regarding director elections, auditor ratification, and executive compensation advisory votes.
📋 Key Facts
- Annual meeting held on November 18, 2025.
- Don D. Jennings was elected to the Board of Directors (5,815,031 FOR).
- William H. Johnson was elected to the Board of Directors (6,017,662 FOR).
- Clark, Schaefer, Hackett & Co. was ratified as independent auditor for fiscal year ending June 30, 2026.
- Shareholders approved executive compensation advisory votes with a preference for a one-year frequency cycle.
Kentucky First Federal Bancorp announced its unaudited financial results for the third quarter ended September 30, 2025. The filing serves as a formal notice of the earnings release.
📋 Key Facts
- Reporting period: Three months ended September 30, 2025.
- Report date: November 6, 2025.
- The company released unaudited financial results via press release (Exhibit 99.1).
Kentucky First Federal Bancorp announced a leadership transition effective October 2, 2025. R. Clay Hulette has been appointed CEO of the Company and President/CEO of its subsidiary, while Don D. Jennings is stepping down from his role as President to become Director of Operations.
🚩 Red Flags
- Related-party transactions/connections: The CFO (Tyler Eades) is the nephew of the newly appointed CEO.
- Executive turnover involving a long-tenured leader (Don D. Jennings' contract not being renewed).
- Potential governance concentration: Spouse of the new CEO holds an Executive Vice President role.
📋 Key Facts
- R. Clay Hulette appointed CEO of Kentucky First Federal Bancorp and President/CEO of First Federal Savings Bank of Kentucky (subject to regulatory approval).
- Don D. Jennings appointed Director of Operations; will continue as Chairman of the Board.
- The Company provided notice to Mr. Jennings that his existing employment agreement dated August 15, 2008, will not be renewed.
- Mr. Hulette's annual salary is set at $185,000.
- Significant related-party connections: Spouse of CEO serves as EVP; Nephew of CEO serves as CFO (Tyler Eades).
Kentucky First Federal Bancorp announced its unaudited financial results for the twelve and three months ended June 30, 2025. The filing serves as a formal announcement of the release of quarterly/semi-annual earnings.
📋 Key Facts
- Reported date: September 19, 2025
- Period covered: Twelve and three months ended June 30, 2025
- Financial results are unaudited
- Press release dated September 18, 2025 is incorporated by reference as Exhibit 99.1
Kentucky First Federal Bancorp announced its unaudited financial results for the first quarter of 2025, covering the nine and three months ended March 31, 2025.
📋 Key Facts
- Report date: May 12, 2025
- Reporting period: Three and nine months ended March 31, 2025
- Filing includes unaudited financial results via Exhibit 99.1
Kentucky First Federal Bancorp announced its unaudited financial results for the six and three months ended December 31, 2024. The filing serves as a formal notice of the release of quarterly/semi-annual earnings data.
📋 Key Facts
- Report date: February 11, 2025
- Reporting period: Six and three months ended December 31, 2024
- Financial results are unaudited
- The company is listed on the NASDAQ under ticker KFFB
Kentucky First Federal Bancorp announced its unaudited financial results for the third quarter ended September 30, 2024. The filing serves as a placeholder to incorporate the company's press release regarding quarterly earnings.
📋 Key Facts
- Report date: November 12, 2024
- Reporting period: Three months ended September 30, 2024
- Financial results are unaudited
- The filing incorporates a press release dated November 12, 2024, as Exhibit 99.1
Kentucky First Federal Bancorp filed an 8-K/A to amend its previous earnings release for the fiscal year ended June 30, 2024. The amendment corrects significant errors in reported interest rate metrics regarding assets and liabilities.
🚩 Red Flags
- Restatement of financial metrics in a previous earnings release.
- Significant discrepancy in interest rate reporting (e.g., reported asset yield increase was overstated by 154 basis points).
📋 Key Facts
- Amendment (8-K/A) filed on October 3, 2024, to correct an original filing from September 18, 2024.
- Corrected average rate earned on interest-earning assets: increased by 69 basis points to 4.62% (previously reported as a 223 bps increase to 6.16%).
- Corrected average rate paid on interest-bearing liabilities: increased by 168 basis points to 3.13% (previously reported as a 272 bps increase to 4.17%).
- The error pertains specifically to the measurement of increases and average rates for the fiscal year ended June 30, 2024.
Kentucky First Federal Bancorp filed an 8-K to provide unaudited financial results for the twelve and three months ended June 30, 2024. This filing serves as a formal incorporation by reference of previously released press release data.
📋 Key Facts
- Report date: September 18, 2024
- Reporting period: Twelve and three months ended June 30, 2024
- The filing incorporates the press release dated May 10, 2024, by reference.
- Financial results are unaudited.
Kentucky First Federal Bancorp announced the appointment of R. Clay Hulette to its Board of Directors, effective August 29, 2024. Mr. Hulette fills the vacancy created by the retirement of Tony D. Whitaker and is a former long-term executive of the company.
🚩 Red Flags
- Related-party disclosure: The director's spouse is an Executive Vice President at a subsidiary and received $122,000 in compensation since July 2023.
📋 Key Facts
- R. Clay Hulette appointed as director on August 29, 2024.
- Appointment fills the vacancy left by the retirement of Tony D. Whitaker.
- Mr. Hulette is a former VP, Treasurer, and CFO of the Company (March 2005 – January 2, 2024).
- Mr. Hulette's term expires at the 2024 annual meeting or until a successor is elected.
- The Board has nominated Mr. Hulette for a full term expiring in 2026.
- Spouse Teresa Hulette serves as EVP of First Federal of Kentucky, with aggregate compensation of ~$122,000 since July 1, 2023.
Kentucky First Federal Bancorp's subsidiary, First Federal Savings Bank of Kentucky, entered into a formal written agreement with the OCC due to regulatory deficiencies. As a result, the bank has been designated in 'troubled condition.'
🚩 Red Flags
- Regulatory designation of 'troubled condition'.
- Mandatory oversight by an OCC-mandated compliance committee.
- Requirement to submit revised strategic, succession, liquidity, and interest rate risk plans to regulators.
- Imposition of Individual Minimum Capital Requirements (IMCRs).
📋 Key Facts
- Agreement effective date: August 13, 2024.
- The Bank is officially in 'troubled condition' per 12 C.F.R. § 5.51(c)(7)(ii).
- OCC imposed Individual Minimum Capital Requirements (IMCRs): CET1 ≥ 9.0%, Tier 1 ≥ 11.0%, Total Capital ≥ 12.0%, and Leverage Ratio ≥ 9.0%.
- As of June 30, 2024, the Bank's capital ratios were: CET1 16.25%, Tier 1 16.25%, Total Capital 16.25%, and Leverage 10.24%.
- Required corrective actions include creating a compliance committee, submitting a revised three-year strategic plan, updating succession plans, and revising liquidity and interest rate risk management programs.
Kentucky First Federal Bancorp announced the retirement of Tony D. Whitaker from his roles as Chairman of the Company and Chairman of its subsidiary, First Federal Savings Bank of Kentucky, effective August 1, 2024.
🚩 Red Flags
- Leadership vacuum: A successor for the Chairman position has not yet been named, which can create temporary governance uncertainty in micro-cap banks.
📋 Key Facts
- Tony D. Whitaker retired as Chairman of Kentucky First Federal Bancorp on August 1, 2024.
- Mr. Whitaker also retired as Chairman of First Federal Savings Bank of Kentucky.
- The company stated the departure is not related to any disagreement regarding operations, policies, or procedures.
- As of the filing date, a successor for Mr. Whitaker has not been appointed.
Kentucky First Federal Bancorp announced its unaudited financial results for the first quarter ended March 31, 2024. The filing serves as a formal notice of the release of quarterly earnings data.
📋 Key Facts
- Reporting period: Three months ended March 31, 2024.
- Report date: May 10, 2024.
- The company released unaudited financial results via a press release (Exhibit 99.1).
The company is filing this 8-K to incorporate its unaudited financial results for the three months ended September 30, 2023, by reference. This appears to be a standard procedural filing following a previous press release.
📋 Key Facts
- Report date: February 12, 2024
- The filing incorporates Exhibit 99.1 (Press Release dated February 12, 2024) by reference.
- Refers to unaudited financial results for the three months ended September 30, 2023.
Kentucky First Federal Bancorp has announced the indefinite suspension of its quarterly cash dividend on common stock, effective January 16, 2024.
🚩 Red Flags
- Indefinite suspension of dividends is a significant signal of liquidity concerns or capital preservation needs in banking institutions.
- Dividend cuts are often viewed by the market as a precursor to deteriorating financial health or regulatory pressure.
📋 Key Facts
- The Board of Directors suspended the quarterly cash dividend indefinitely.
- The decision was announced on January 16, 2024.
- The suspension applies to the Company's common stock.
Kentucky First Federal Bancorp announced a leadership transition in its finance department, involving the retirement of CFO R. Clay Hulette and the appointment of Tyler W. Eades as the new CFO effective January 2, 2024.
🚩 Red Flags
- Related-party transaction: The new CFO is the nephew of the retiring CFO and an Executive Vice President.
- Potential nepotism/succession risk due to close familial ties between the outgoing and incoming finance leadership.
📋 Key Facts
- R. Clay Hulette retired as Vice President and Chief Financial Officer on January 2, 2024; he will remain a director of First Federal Savings Bank of Kentucky.
- Tyler W. Eades appointed as CFO and Vice President effective January 2, 2024.
- Mr. Eades previously served as CFO for First Federal Savings and Loan of Hazard since 2022.
- The appointment of Mr. Eades involves a related-party connection: he is the nephew of retiring CFO R. Clay Hulette and Teresa K. Hulette (EVP).
- Mr. Eades holds a mortgage loan with First Federal Savings Bank of Kentucky, which was made on terms comparable to non-affiliated persons.