10-Q - Kentucky First Federal Bancorp | StockGist

AI Analysis

AI-generated analysis. Always verify with the original filing.

Kentucky First Federal Bancorp reported net income of $304K for Q2 2026 (period ending December 31, 2025), driven by net interest income of $2.7M and total non-interest income of $178K. Total interest income was $5.2M, primarily from loans ($4.9M), while total interest expense was $2.5M, mainly from deposits ($2.0M) and borrowings ($503K). Non-interest expense totaled $2.4M, with employee compensation and benefits ($1.3M) being the largest component. The company ended the period with total assets of $375.3M, total liabilities of $326.2M, and shareholders' equity of $49.1M. Net cash provided by operating activities was $147K, while investing activities used $3.7M primarily for securities purchases and loan originations, and financing activities provided $3.7M mainly from Federal Home Loan Bank advances. No prior period comparison data is provided in the filing for QoQ analysis.

Key Takeaways

1Net income of $304K with net interest income of $2.7M driving profitability.

2Total assets of $375.3M with loans net of allowance at $329.8M representing 88% of assets.

3Deposits of $273.2M fund operations with Federal Home Loan Bank advances of $51.4M.

4Net cash from operations was $147K while investing activities used $3.7M for growth.

5Shareholders' equity of $49.1M with accumulated other comprehensive loss of -$61K.

Key Financial Metrics

Net Income

$304K