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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_NetIncomeLoss_lbl" xml:lang="en-US">NET INCOME</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ScheduleOfGrossUnrealizedOrUnrecognizedGainsAndLossesAbstract_lbl" xml:lang="en-US">Schedule of gross unrealized or unrecognized gains and losses [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfGrossUnrealizedOrUnrecognizedGainsAndLossesAbstract" xlink:to="kffb_ScheduleOfGrossUnrealizedOrUnrecognizedGainsAndLossesAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FinancialInstrumentAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancialInstrumentAxis"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancialInstrumentAxis_lbl" xml:lang="en-US">Financial Instrument [Axis]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancialInstrumentAxis" xlink:to="us-gaap_FinancialInstrumentAxis_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ReceivablesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ReceivablesAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ReceivablesAbstract_lbl" xml:lang="en-US">Receivables [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ReceivablesAbstract" xlink:to="us-gaap_ReceivablesAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ScheduleOfLoanPortfolioAbstract" xlink:href="kffb-20211231.xsd#kffb_ScheduleOfLoanPortfolioAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ScheduleOfLoanPortfolioAbstract_lbl" xml:lang="en-US">Schedule of loan portfolio [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfLoanPortfolioAbstract" xlink:to="kffb_ScheduleOfLoanPortfolioAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ScheduleOfAllowanceForLoanLossesByPortfolioSegmentAbstract" xlink:href="kffb-20211231.xsd#kffb_ScheduleOfAllowanceForLoanLossesByPortfolioSegmentAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ScheduleOfAllowanceForLoanLossesByPortfolioSegmentAbstract_lbl" xml:lang="en-US">Schedule of allowance for loan losses by portfolio segment [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfAllowanceForLoanLossesByPortfolioSegmentAbstract" xlink:to="kffb_ScheduleOfAllowanceForLoanLossesByPortfolioSegmentAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ResidentialRealEstateFamilyAxis" xlink:href="kffb-20211231.xsd#kffb_ResidentialRealEstateFamilyAxis"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ResidentialRealEstateFamilyAxis_lbl" xml:lang="en-US">Residential Real Estate Family [Axis]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ResidentialRealEstateFamilyAxis" xlink:to="kffb_ResidentialRealEstateFamilyAxis_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_LoansAndLeasesReceivableAllowance" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LoansAndLeasesReceivableAllowance"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_LoansAndLeasesReceivableAllowance_lbl" xml:lang="en-US">Beginning balance</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansAndLeasesReceivableAllowance" xlink:to="us-gaap_LoansAndLeasesReceivableAllowance_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="us-gaap_LoansAndLeasesReceivableAllowance_lbl0" xml:lang="en-US">Ending balance</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansAndLeasesReceivableAllowance" xlink:to="us-gaap_LoansAndLeasesReceivableAllowance_lbl0"/>
    <loc xlink:type="locator" xlink:label="kffb_ScheduleOfAllowanceForLoanLossesAndTheRecordedInvestmentInLoansByPortfolioAbstract" xlink:href="kffb-20211231.xsd#kffb_ScheduleOfAllowanceForLoanLossesAndTheRecordedInvestmentInLoansByPortfolioAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ScheduleOfAllowanceForLoanLossesAndTheRecordedInvestmentInLoansByPortfolioAbstract_lbl" xml:lang="en-US">Schedule of allowance for loan losses and the recorded investment in loans by portfolio [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfAllowanceForLoanLossesAndTheRecordedInvestmentInLoansByPortfolioAbstract" xlink:to="kffb_ScheduleOfAllowanceForLoanLossesAndTheRecordedInvestmentInLoansByPortfolioAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_FinancingReceivableAllowanceForCreditLossAxis" xlink:href="kffb-20211231.xsd#kffb_FinancingReceivableAllowanceForCreditLossAxis"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_FinancingReceivableAllowanceForCreditLossAxis_lbl" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss [Axis]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_FinancingReceivableAllowanceForCreditLossAxis" xlink:to="kffb_FinancingReceivableAllowanceForCreditLossAxis_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ScheduleOfImpairedByClassOfLoansAbstract" xlink:href="kffb-20211231.xsd#kffb_ScheduleOfImpairedByClassOfLoansAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ScheduleOfImpairedByClassOfLoansAbstract_lbl" xml:lang="en-US">Schedule of impaired by class of loans [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfImpairedByClassOfLoansAbstract" xlink:to="kffb_ScheduleOfImpairedByClassOfLoansAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ScheduleOfRecordedInvestmentInNonaccrualAndLoansAbstract" xlink:href="kffb-20211231.xsd#kffb_ScheduleOfRecordedInvestmentInNonaccrualAndLoansAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ScheduleOfRecordedInvestmentInNonaccrualAndLoansAbstract_lbl" xml:lang="en-US">Schedule of recorded investment in nonaccrual and loans [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfRecordedInvestmentInNonaccrualAndLoansAbstract" xlink:to="kffb_ScheduleOfRecordedInvestmentInNonaccrualAndLoansAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ScheduleOfTdrLoanModificationsAbstract" xlink:href="kffb-20211231.xsd#kffb_ScheduleOfTdrLoanModificationsAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ScheduleOfTdrLoanModificationsAbstract_lbl" xml:lang="en-US">Schedule of TDR loan modifications [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfTdrLoanModificationsAbstract" xlink:to="kffb_ScheduleOfTdrLoanModificationsAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_CollateralAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CollateralAxis"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CollateralAxis_lbl" xml:lang="en-US">Collateral Held [Axis]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CollateralAxis" xlink:to="us-gaap_CollateralAxis_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_lbl" xml:lang="en-US">Class of Financing Receivable [Axis]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:to="us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ScheduleOfPrincipalBalanceOutstandingInPastDueLoansAbstract" xlink:href="kffb-20211231.xsd#kffb_ScheduleOfPrincipalBalanceOutstandingInPastDueLoansAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ScheduleOfPrincipalBalanceOutstandingInPastDueLoansAbstract_lbl" xml:lang="en-US">Schedule of principal balance outstanding in past due loans [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfPrincipalBalanceOutstandingInPastDueLoansAbstract" xlink:to="kffb_ScheduleOfPrincipalBalanceOutstandingInPastDueLoansAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FinancingReceivablesPeriodPastDueAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivablesPeriodPastDueAxis"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivablesPeriodPastDueAxis_lbl" xml:lang="en-US">Financial Asset, Aging [Axis]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivablesPeriodPastDueAxis" xlink:to="us-gaap_FinancingReceivablesPeriodPastDueAxis_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ScheduleOfAnalysisPerformedTheRiskCategoryOfLoansByClassOfLoansAbstract" xlink:href="kffb-20211231.xsd#kffb_ScheduleOfAnalysisPerformedTheRiskCategoryOfLoansByClassOfLoansAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ScheduleOfAnalysisPerformedTheRiskCategoryOfLoansByClassOfLoansAbstract_lbl" xml:lang="en-US">Schedule of analysis performed, the risk category of loans by class of loans [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfAnalysisPerformedTheRiskCategoryOfLoansByClassOfLoansAbstract" xlink:to="kffb_ScheduleOfAnalysisPerformedTheRiskCategoryOfLoansByClassOfLoansAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_InternalCreditAssessmentAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InternalCreditAssessmentAxis"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InternalCreditAssessmentAxis_lbl" xml:lang="en-US">Internal Credit Assessment [Axis]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InternalCreditAssessmentAxis" xlink:to="us-gaap_InternalCreditAssessmentAxis_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ScheduleOfPurchasedCreditImpairedLoansAbstract" xlink:href="kffb-20211231.xsd#kffb_ScheduleOfPurchasedCreditImpairedLoansAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ScheduleOfPurchasedCreditImpairedLoansAbstract_lbl" xml:lang="en-US">Schedule of purchased credit impaired loans [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfPurchasedCreditImpairedLoansAbstract" xlink:to="kffb_ScheduleOfPurchasedCreditImpairedLoansAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ScheduleOfAccretableYieldOrIncomeExpectedToBeCollectedAbstract" xlink:href="kffb-20211231.xsd#kffb_ScheduleOfAccretableYieldOrIncomeExpectedToBeCollectedAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ScheduleOfAccretableYieldOrIncomeExpectedToBeCollectedAbstract_lbl" xml:lang="en-US">Schedule of accretable yield, or income expected to be collected [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfAccretableYieldOrIncomeExpectedToBeCollectedAbstract" xlink:to="kffb_ScheduleOfAccretableYieldOrIncomeExpectedToBeCollectedAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYield" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYield"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYield_lbl" xml:lang="en-US">Balance at beginning of period</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYield" xlink:to="us-gaap_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYield_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="us-gaap_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYield_lbl0" xml:lang="en-US">Balance at end of period</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYield" xlink:to="us-gaap_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYield_lbl0"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FairValueDisclosuresAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueDisclosuresAbstract_lbl" xml:lang="en-US">Fair Value Disclosures [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueDisclosuresAbstract" xlink:to="us-gaap_FairValueDisclosuresAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ScheduleOfFinancialAssetsMeasuredAtFairValueOnARecurringBasisAbstract" xlink:href="kffb-20211231.xsd#kffb_ScheduleOfFinancialAssetsMeasuredAtFairValueOnARecurringBasisAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ScheduleOfFinancialAssetsMeasuredAtFairValueOnARecurringBasisAbstract_lbl" xml:lang="en-US">Schedule of financial assets measured at fair value on a recurring basis [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfFinancialAssetsMeasuredAtFairValueOnARecurringBasisAbstract" xlink:to="kffb_ScheduleOfFinancialAssetsMeasuredAtFairValueOnARecurringBasisAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueByFairValueHierarchyLevelAxis_lbl" xml:lang="en-US">Fair Value Hierarchy and NAV [Axis]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:to="us-gaap_FairValueByFairValueHierarchyLevelAxis_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ScheduleOfForegoingMethodsAndAssumptionsTheCarryingValueAndFairValueAbstract" xlink:href="kffb-20211231.xsd#kffb_ScheduleOfForegoingMethodsAndAssumptionsTheCarryingValueAndFairValueAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ScheduleOfForegoingMethodsAndAssumptionsTheCarryingValueAndFairValueAbstract_lbl" xml:lang="en-US">Schedule of foregoing methods and assumptions, the carrying value and fair value [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfForegoingMethodsAndAssumptionsTheCarryingValueAndFairValueAbstract" xlink:to="kffb_ScheduleOfForegoingMethodsAndAssumptionsTheCarryingValueAndFairValueAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FairValueByMeasurementBasisAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueByMeasurementBasisAxis"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueByMeasurementBasisAxis_lbl" xml:lang="en-US">Measurement Basis [Axis]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueByMeasurementBasisAxis" xlink:to="us-gaap_FairValueByMeasurementBasisAxis_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ConcentrationRiskByBenchmarkAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ConcentrationRiskByBenchmarkAxis"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ConcentrationRiskByBenchmarkAxis_lbl" xml:lang="en-US">Concentration Risk Benchmark [Axis]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ConcentrationRiskByBenchmarkAxis" xlink:to="us-gaap_ConcentrationRiskByBenchmarkAxis_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_StockholdersEquityNoteAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StockholdersEquityNoteAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StockholdersEquityNoteAbstract_lbl" xml:lang="en-US">Stockholders&apos; Equity Note [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockholdersEquityNoteAbstract" xlink:to="us-gaap_StockholdersEquityNoteAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ScheduleOfAccumulatedOtherComprehensiveIncomeLossBalancesNetOfTaxAbstract" xlink:href="kffb-20211231.xsd#kffb_ScheduleOfAccumulatedOtherComprehensiveIncomeLossBalancesNetOfTaxAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ScheduleOfAccumulatedOtherComprehensiveIncomeLossBalancesNetOfTaxAbstract_lbl" xml:lang="en-US">Schedule of accumulated other comprehensive income (loss) balances, net of tax [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfAccumulatedOtherComprehensiveIncomeLossBalancesNetOfTaxAbstract" xlink:to="kffb_ScheduleOfAccumulatedOtherComprehensiveIncomeLossBalancesNetOfTaxAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_lbl" xml:lang="en-US">Beginning balance</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:to="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_lbl0" xml:lang="en-US">Ending balance</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:to="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_lbl1" xml:lang="en-US">Accumulated other comprehensive income</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:to="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_lbl1"/>
    <loc xlink:type="locator" xlink:label="kffb_ScheduleOfOtherComprehensiveIncomeLossComponentsAndRelatedTaxEffectsAbstract" xlink:href="kffb-20211231.xsd#kffb_ScheduleOfOtherComprehensiveIncomeLossComponentsAndRelatedTaxEffectsAbstract"/>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_DocumentType_lbl" xml:lang="en-US">Document Type</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentType" xlink:to="dei_DocumentType_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_DocumentQuarterlyReport" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_DocumentQuarterlyReport"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_DocumentQuarterlyReport_lbl" xml:lang="en-US">Document Quarterly Report</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentQuarterlyReport" xlink:to="dei_DocumentQuarterlyReport_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_DocumentPeriodEndDate" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_DocumentPeriodEndDate"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_DocumentPeriodEndDate_lbl" xml:lang="en-US">Document Period End Date</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentPeriodEndDate" xlink:to="dei_DocumentPeriodEndDate_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_DocumentFiscalYearFocus" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_DocumentFiscalYearFocus"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_DocumentFiscalYearFocus_lbl" xml:lang="en-US">Document Fiscal Year Focus</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentFiscalYearFocus" xlink:to="dei_DocumentFiscalYearFocus_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_DocumentTransitionReport" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_DocumentTransitionReport"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_DocumentTransitionReport_lbl" xml:lang="en-US">Document Transition Report</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentTransitionReport" xlink:to="dei_DocumentTransitionReport_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_EntityFileNumber" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityFileNumber"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_EntityFileNumber_lbl" xml:lang="en-US">Entity File Number</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityFileNumber" xlink:to="dei_EntityFileNumber_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_EntityRegistrantName" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityRegistrantName"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_EntityRegistrantName_lbl" xml:lang="en-US">Entity Registrant Name</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityRegistrantName" xlink:to="dei_EntityRegistrantName_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_EntityIncorporationStateCountryCode" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityIncorporationStateCountryCode"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xml:lang="en-US">Entity Incorporation, State or Country Code</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityIncorporationStateCountryCode" xlink:to="dei_EntityIncorporationStateCountryCode_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_EntityTaxIdentificationNumber" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityTaxIdentificationNumber"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xml:lang="en-US">Entity Tax Identification Number</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityTaxIdentificationNumber" xlink:to="dei_EntityTaxIdentificationNumber_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_EntityAddressAddressLine1" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressAddressLine1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_EntityAddressAddressLine1_lbl" xml:lang="en-US">Entity Address, Address Line One</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_EntityAddressCityOrTown" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressCityOrTown"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_EntityAddressCityOrTown_lbl" xml:lang="en-US">Entity Address, City or Town</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCityOrTown" xlink:to="dei_EntityAddressCityOrTown_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_EntityAddressStateOrProvince" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressStateOrProvince"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_EntityAddressStateOrProvince_lbl" xml:lang="en-US">Entity Address, State or Province</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressStateOrProvince" xlink:to="dei_EntityAddressStateOrProvince_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_EntityAddressPostalZipCode" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressPostalZipCode"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_EntityAddressPostalZipCode_lbl" xml:lang="en-US">Entity Address, Postal Zip Code</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressPostalZipCode" xlink:to="dei_EntityAddressPostalZipCode_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_CityAreaCode" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_CityAreaCode"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_CityAreaCode_lbl" xml:lang="en-US">City Area Code</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CityAreaCode" xlink:to="dei_CityAreaCode_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_LocalPhoneNumber" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_LocalPhoneNumber"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_LocalPhoneNumber_lbl" xml:lang="en-US">Local Phone Number</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_LocalPhoneNumber" xlink:to="dei_LocalPhoneNumber_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_Security12bTitle" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_Security12bTitle"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_Security12bTitle_lbl" xml:lang="en-US">Title of 12(b) Security</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Security12bTitle" xlink:to="dei_Security12bTitle_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_TradingSymbol" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_TradingSymbol"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_TradingSymbol_lbl" xml:lang="en-US">Trading Symbol</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_TradingSymbol" xlink:to="dei_TradingSymbol_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_SecurityExchangeName" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_SecurityExchangeName"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_SecurityExchangeName_lbl" xml:lang="en-US">Security Exchange Name</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SecurityExchangeName" xlink:to="dei_SecurityExchangeName_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_EntityCurrentReportingStatus" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityCurrentReportingStatus"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_EntityCurrentReportingStatus_lbl" xml:lang="en-US">Entity Current Reporting Status</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCurrentReportingStatus" xlink:to="dei_EntityCurrentReportingStatus_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_EntityInteractiveDataCurrent" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityInteractiveDataCurrent"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_EntityInteractiveDataCurrent_lbl" xml:lang="en-US">Entity Interactive Data Current</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityInteractiveDataCurrent" xlink:to="dei_EntityInteractiveDataCurrent_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_EntityFilerCategory" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityFilerCategory"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_EntityFilerCategory_lbl" xml:lang="en-US">Entity Filer Category</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityFilerCategory" xlink:to="dei_EntityFilerCategory_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_EntitySmallBusiness" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntitySmallBusiness"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_EntitySmallBusiness_lbl" xml:lang="en-US">Entity Small Business</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntitySmallBusiness" xlink:to="dei_EntitySmallBusiness_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_EntityEmergingGrowthCompany" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityEmergingGrowthCompany"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xml:lang="en-US">Entity Emerging Growth Company</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityEmergingGrowthCompany" xlink:to="dei_EntityEmergingGrowthCompany_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_EntityShellCompany" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityShellCompany"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_EntityShellCompany_lbl" xml:lang="en-US">Entity Shell Company</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityShellCompany" xlink:to="dei_EntityShellCompany_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_EntityCommonStockSharesOutstanding" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityCommonStockSharesOutstanding"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_EntityCommonStockSharesOutstanding_lbl" xml:lang="en-US">Entity Common Stock, Shares Outstanding</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCommonStockSharesOutstanding" xlink:to="dei_EntityCommonStockSharesOutstanding_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_AmendmentFlag" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_AmendmentFlag"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_AmendmentFlag_lbl" xml:lang="en-US">Amendment Flag</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AmendmentFlag" xlink:to="dei_AmendmentFlag_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_CurrentFiscalYearEndDate" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_CurrentFiscalYearEndDate"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_CurrentFiscalYearEndDate_lbl" xml:lang="en-US">Current Fiscal Year End Date</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CurrentFiscalYearEndDate" xlink:to="dei_CurrentFiscalYearEndDate_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_DocumentFiscalPeriodFocus" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_DocumentFiscalPeriodFocus"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_DocumentFiscalPeriodFocus_lbl" xml:lang="en-US">Document Fiscal Period Focus</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentFiscalPeriodFocus" xlink:to="dei_DocumentFiscalPeriodFocus_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_EntityCentralIndexKey" xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityCentralIndexKey"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_EntityCentralIndexKey_lbl" xml:lang="en-US">Entity Central Index Key</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCentralIndexKey" xlink:to="dei_EntityCentralIndexKey_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_AssetsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AssetsAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AssetsAbstract_lbl" xml:lang="en-US">ASSETS</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AssetsAbstract" xlink:to="us-gaap_AssetsAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_CashAndDueFromBanks" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CashAndDueFromBanks"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CashAndDueFromBanks_lbl" xml:lang="en-US">Cash and due from financial institutions</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CashAndDueFromBanks" xlink:to="us-gaap_CashAndDueFromBanks_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FederalFundsSoldAndSecuritiesPurchasedUnderAgreementsToResell" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FederalFundsSoldAndSecuritiesPurchasedUnderAgreementsToResell"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FederalFundsSoldAndSecuritiesPurchasedUnderAgreementsToResell_lbl" xml:lang="en-US">Fed funds sold</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FederalFundsSoldAndSecuritiesPurchasedUnderAgreementsToResell" xlink:to="us-gaap_FederalFundsSoldAndSecuritiesPurchasedUnderAgreementsToResell_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_InterestBearingDemandDeposits" xlink:href="kffb-20211231.xsd#kffb_InterestBearingDemandDeposits"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_InterestBearingDemandDeposits_lbl" xml:lang="en-US">Interest-bearing demand deposits</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_InterestBearingDemandDeposits" xlink:to="kffb_InterestBearingDemandDeposits_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_TimeDepositsInOtherFinancialsInstitutions" xlink:href="kffb-20211231.xsd#kffb_TimeDepositsInOtherFinancialsInstitutions"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_TimeDepositsInOtherFinancialsInstitutions_lbl" xml:lang="en-US">Time deposits in other financial institutions</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_TimeDepositsInOtherFinancialsInstitutions" xlink:to="kffb_TimeDepositsInOtherFinancialsInstitutions_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtSecurities" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtSecurities_lbl" xml:lang="en-US">Securities available-for-sale</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesDebtSecurities" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtSecurities_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtSecurities_lbl0" xml:lang="en-US">Held-to-maturity Securities, Estimated fair value</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesDebtSecurities" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtSecurities_lbl0"/>
    <loc xlink:type="locator" xlink:label="us-gaap_HeldToMaturitySecurities" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_HeldToMaturitySecurities"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_HeldToMaturitySecurities_lbl" xml:lang="en-US">Securities held-to-maturity, at amortized cost- approximate fair value of $421 and $476 at December 31, 2021 and June 30, 2021, respectively</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_HeldToMaturitySecurities" xlink:to="us-gaap_HeldToMaturitySecurities_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_HeldToMaturitySecuritiesFairValue" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_HeldToMaturitySecuritiesFairValue"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_HeldToMaturitySecuritiesFairValue_lbl" xml:lang="en-US">Securities held-to-maturity securities, fair value (in Dollars)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_HeldToMaturitySecuritiesFairValue" xlink:to="us-gaap_HeldToMaturitySecuritiesFairValue_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansHeldForSale" xlink:href="kffb-20211231.xsd#kffb_LoansHeldForSale"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansHeldForSale_lbl" xml:lang="en-US">Loans held for sale</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansHeldForSale" xlink:to="kffb_LoansHeldForSale_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmount"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LoansAndLeasesReceivableNetReportedAmount_lbl" xml:lang="en-US">Loans, net of allowance of $1,603 and $1,622 at December 31, 2021 and June 30, 2021, respectively</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:to="us-gaap_LoansAndLeasesReceivableNetReportedAmount_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_AllowanceForDoubtfulAccountsReceivableCurrent" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AllowanceForDoubtfulAccountsReceivableCurrent"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AllowanceForDoubtfulAccountsReceivableCurrent_lbl" xml:lang="en-US">Loans, net of allowance (in Dollars)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AllowanceForDoubtfulAccountsReceivableCurrent" xlink:to="us-gaap_AllowanceForDoubtfulAccountsReceivableCurrent_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_OtherRealEstateAndForeclosedAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherRealEstateAndForeclosedAssets"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_OtherRealEstateAndForeclosedAssets_lbl" xml:lang="en-US">Real estate owned, net</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherRealEstateAndForeclosedAssets" xlink:to="us-gaap_OtherRealEstateAndForeclosedAssets_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_PropertyPlantAndEquipmentNet" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNet"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PropertyPlantAndEquipmentNet_lbl" xml:lang="en-US">Premises and equipment, net</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentNet" xlink:to="us-gaap_PropertyPlantAndEquipmentNet_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FederalHomeLoanBankStock" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FederalHomeLoanBankStock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FederalHomeLoanBankStock_lbl" xml:lang="en-US">Federal Home Loan Bank stock, at cost</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FederalHomeLoanBankStock" xlink:to="us-gaap_FederalHomeLoanBankStock_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_FederalHomeLoanBankStock_lbl0" xml:lang="en-US">Federal Home Loan Bank stock</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FederalHomeLoanBankStock" xlink:to="us-gaap_FederalHomeLoanBankStock_lbl0"/>
    <loc xlink:type="locator" xlink:label="us-gaap_InterestReceivable" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestReceivable"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestReceivable_lbl" xml:lang="en-US">Accrued interest receivable</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestReceivable" xlink:to="us-gaap_InterestReceivable_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_BankOwnedLifeInsurance" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BankOwnedLifeInsurance"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_BankOwnedLifeInsurance_lbl" xml:lang="en-US">Bank-owned life insurance</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_BankOwnedLifeInsurance" xlink:to="us-gaap_BankOwnedLifeInsurance_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_Goodwill" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_Goodwill"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_Goodwill_lbl" xml:lang="en-US">Goodwill</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Goodwill" xlink:to="us-gaap_Goodwill_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_PrepaidTaxes" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PrepaidTaxes"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PrepaidTaxes_lbl" xml:lang="en-US">Prepaid federal income taxes</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PrepaidTaxes" xlink:to="us-gaap_PrepaidTaxes_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_PrepaidExpenseAndOtherAssetsNoncurrent" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PrepaidExpenseAndOtherAssetsNoncurrent"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PrepaidExpenseAndOtherAssetsNoncurrent_lbl" xml:lang="en-US">Prepaid expenses and other assets</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PrepaidExpenseAndOtherAssetsNoncurrent" xlink:to="us-gaap_PrepaidExpenseAndOtherAssetsNoncurrent_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LiabilitiesAndStockholdersEquityAbstract_lbl" xml:lang="en-US">LIABILITIES AND SHAREHOLDERS&#8217; EQUITY</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:to="us-gaap_LiabilitiesAndStockholdersEquityAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_Deposits" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_Deposits"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_Deposits_lbl" xml:lang="en-US">Deposits</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Deposits" xlink:to="us-gaap_Deposits_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FederalHomeLoanBankAdvancesLongTerm" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesLongTerm"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FederalHomeLoanBankAdvancesLongTerm_lbl" xml:lang="en-US">Federal Home Loan Bank advances</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FederalHomeLoanBankAdvancesLongTerm" xlink:to="us-gaap_FederalHomeLoanBankAdvancesLongTerm_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_AdvancePaymentsByBorrowersForTaxesAndInsurance" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AdvancePaymentsByBorrowersForTaxesAndInsurance"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AdvancePaymentsByBorrowersForTaxesAndInsurance_lbl" xml:lang="en-US">Advances by borrowers for taxes and insurance</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AdvancePaymentsByBorrowersForTaxesAndInsurance" xlink:to="us-gaap_AdvancePaymentsByBorrowersForTaxesAndInsurance_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_InterestPayableCurrentAndNoncurrent" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestPayableCurrentAndNoncurrent"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestPayableCurrentAndNoncurrent_lbl" xml:lang="en-US">Accrued interest payable</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestPayableCurrentAndNoncurrent" xlink:to="us-gaap_InterestPayableCurrentAndNoncurrent_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_DeferredFederalIncomeTaxes" xlink:href="kffb-20211231.xsd#kffb_DeferredFederalIncomeTaxes"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_DeferredFederalIncomeTaxes_lbl" xml:lang="en-US">Deferred income taxes</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_DeferredFederalIncomeTaxes" xlink:to="kffb_DeferredFederalIncomeTaxes_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_OtherLiabilities" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherLiabilities"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_OtherLiabilities_lbl" xml:lang="en-US">Other liabilities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherLiabilities" xlink:to="us-gaap_OtherLiabilities_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_CommitmentsAndContingencies" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommitmentsAndContingencies"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CommitmentsAndContingencies_lbl" xml:lang="en-US">Commitments and contingencies</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommitmentsAndContingencies" xlink:to="us-gaap_CommitmentsAndContingencies_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_StockholdersEquityAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StockholdersEquityAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_StockholdersEquityAbstract_lbl" xml:lang="en-US">Shareholders&#8217; equity</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockholdersEquityAbstract" xlink:to="us-gaap_StockholdersEquityAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_PreferredStockValue" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PreferredStockValue"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PreferredStockValue_lbl" xml:lang="en-US">Preferred stock, 500,000 shares authorized, $.01 par value; no shares issued and outstanding</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PreferredStockValue" xlink:to="us-gaap_PreferredStockValue_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_PreferredStockParOrStatedValuePerShare" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PreferredStockParOrStatedValuePerShare"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PreferredStockParOrStatedValuePerShare_lbl" xml:lang="en-US">Preferred stock par value (in Dollars per share)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PreferredStockParOrStatedValuePerShare" xlink:to="us-gaap_PreferredStockParOrStatedValuePerShare_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_PreferredStockSharesAuthorized" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PreferredStockSharesAuthorized"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PreferredStockSharesAuthorized_lbl" xml:lang="en-US">Preferred stock, shares authorized</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PreferredStockSharesAuthorized" xlink:to="us-gaap_PreferredStockSharesAuthorized_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_PreferredStockSharesIssued" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PreferredStockSharesIssued"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PreferredStockSharesIssued_lbl" xml:lang="en-US">Preferred stock, shares issued</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PreferredStockSharesIssued" xlink:to="us-gaap_PreferredStockSharesIssued_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_PreferredStockSharesOutstanding" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PreferredStockSharesOutstanding"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PreferredStockSharesOutstanding_lbl" xml:lang="en-US">Preferred stock, shares outstanding</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PreferredStockSharesOutstanding" xlink:to="us-gaap_PreferredStockSharesOutstanding_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_CommonStockValue" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommonStockValue"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CommonStockValue_lbl" xml:lang="en-US">Common stock, 20,000,000 shares authorized, $.01 par value; 8,596,064 shares issued</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockValue" xlink:to="us-gaap_CommonStockValue_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_CommonStockParOrStatedValuePerShare" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommonStockParOrStatedValuePerShare"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CommonStockParOrStatedValuePerShare_lbl" xml:lang="en-US">Common stock par value (in Dollars per share)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockParOrStatedValuePerShare" xlink:to="us-gaap_CommonStockParOrStatedValuePerShare_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_CommonStockSharesAuthorized" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommonStockSharesAuthorized"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CommonStockSharesAuthorized_lbl" xml:lang="en-US">Common stock, shares authorized</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockSharesAuthorized" xlink:to="us-gaap_CommonStockSharesAuthorized_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_CommonStockSharesIssued" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommonStockSharesIssued"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CommonStockSharesIssued_lbl" xml:lang="en-US">Common stock, shares issued</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockSharesIssued" xlink:to="us-gaap_CommonStockSharesIssued_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_AdditionalPaidInCapital" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AdditionalPaidInCapital"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AdditionalPaidInCapital_lbl" xml:lang="en-US">Additional paid-in capital</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AdditionalPaidInCapital" xlink:to="us-gaap_AdditionalPaidInCapital_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_RetainedEarningsAccumulatedDeficit" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RetainedEarningsAccumulatedDeficit"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_RetainedEarningsAccumulatedDeficit_lbl" xml:lang="en-US">Retained earnings</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RetainedEarningsAccumulatedDeficit" xlink:to="us-gaap_RetainedEarningsAccumulatedDeficit_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_EmployeeStockOwnershipPlanESOPNumberOfCommittedToBeReleasedShares" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EmployeeStockOwnershipPlanESOPNumberOfCommittedToBeReleasedShares"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_EmployeeStockOwnershipPlanESOPNumberOfCommittedToBeReleasedShares_lbl" xml:lang="en-US">Unearned employee stock ownership plan, shares</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EmployeeStockOwnershipPlanESOPNumberOfCommittedToBeReleasedShares" xlink:to="us-gaap_EmployeeStockOwnershipPlanESOPNumberOfCommittedToBeReleasedShares_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_TreasuryStockShares" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TreasuryStockShares"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TreasuryStockShares_lbl" xml:lang="en-US">Treasury shares</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TreasuryStockShares" xlink:to="us-gaap_TreasuryStockShares_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_InterestAndDividendIncomeOperatingAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestAndDividendIncomeOperatingAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestAndDividendIncomeOperatingAbstract_lbl" xml:lang="en-US">Interest income</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestAndDividendIncomeOperatingAbstract" xlink:to="us-gaap_InterestAndDividendIncomeOperatingAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_InterestAndFeeIncomeLoansAndLeases" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestAndFeeIncomeLoansAndLeases"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestAndFeeIncomeLoansAndLeases_lbl" xml:lang="en-US">Loans, including fees</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestAndFeeIncomeLoansAndLeases" xlink:to="us-gaap_InterestAndFeeIncomeLoansAndLeases_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_InterestIncomeSecuritiesMortgageBacked" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestIncomeSecuritiesMortgageBacked"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestIncomeSecuritiesMortgageBacked_lbl" xml:lang="en-US">Mortgage-backed securities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestIncomeSecuritiesMortgageBacked" xlink:to="us-gaap_InterestIncomeSecuritiesMortgageBacked_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_InterestAndDividendIncomeSecuritiesOther" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestAndDividendIncomeSecuritiesOther"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestAndDividendIncomeSecuritiesOther_lbl" xml:lang="en-US">Other securities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestAndDividendIncomeSecuritiesOther" xlink:to="us-gaap_InterestAndDividendIncomeSecuritiesOther_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_InterestAndFeeIncomeOtherLoansHeldForSales" xlink:href="kffb-20211231.xsd#kffb_InterestAndFeeIncomeOtherLoansHeldForSales"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_InterestAndFeeIncomeOtherLoansHeldForSales_lbl" xml:lang="en-US">Interest-bearing deposits and other</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_InterestAndFeeIncomeOtherLoansHeldForSales" xlink:to="kffb_InterestAndFeeIncomeOtherLoansHeldForSales_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_InterestExpenseAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestExpenseAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestExpenseAbstract_lbl" xml:lang="en-US">Interest expense</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestExpenseAbstract" xlink:to="us-gaap_InterestExpenseAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_InterestExpenseDemandDepositAccounts" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestExpenseDemandDepositAccounts"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestExpenseDemandDepositAccounts_lbl" xml:lang="en-US">Interest-bearing demand deposits</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestExpenseDemandDepositAccounts" xlink:to="us-gaap_InterestExpenseDemandDepositAccounts_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_InterestExpenseSavingsDeposits" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestExpenseSavingsDeposits"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestExpenseSavingsDeposits_lbl" xml:lang="en-US">Savings</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestExpenseSavingsDeposits" xlink:to="us-gaap_InterestExpenseSavingsDeposits_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_InterestExpenseCertificatesOfDeposit" xlink:href="kffb-20211231.xsd#kffb_InterestExpenseCertificatesOfDeposit"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_InterestExpenseCertificatesOfDeposit_lbl" xml:lang="en-US">Certificates of Deposit</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_InterestExpenseCertificatesOfDeposit" xlink:to="kffb_InterestExpenseCertificatesOfDeposit_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_InterestExpenseBorrowings" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestExpenseBorrowings"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestExpenseBorrowings_lbl" xml:lang="en-US">Borrowings</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestExpenseBorrowings" xlink:to="us-gaap_InterestExpenseBorrowings_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ProvisionForLoanLossesExpensed" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProvisionForLoanLossesExpensed"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProvisionForLoanLossesExpensed_lbl" xml:lang="en-US">Provision for loan losses</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProvisionForLoanLossesExpensed" xlink:to="us-gaap_ProvisionForLoanLossesExpensed_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_NoninterestIncomeAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NoninterestIncomeAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NoninterestIncomeAbstract_lbl" xml:lang="en-US">Non-interest income</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NoninterestIncomeAbstract" xlink:to="us-gaap_NoninterestIncomeAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_BankOwnedLifeInsuranceIncome" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BankOwnedLifeInsuranceIncome"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_BankOwnedLifeInsuranceIncome_lbl" xml:lang="en-US">Earnings on bank-owned life insurance</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_BankOwnedLifeInsuranceIncome" xlink:to="us-gaap_BankOwnedLifeInsuranceIncome_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_GainLossOnSalesOfLoansNet" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_GainLossOnSalesOfLoansNet"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_GainLossOnSalesOfLoansNet_lbl" xml:lang="en-US">Net gain on sales of loans</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GainLossOnSalesOfLoansNet" xlink:to="us-gaap_GainLossOnSalesOfLoansNet_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_GainLossOnSalesOfLoansNet_lbl0" xml:lang="en-US">Net gain on sale of loans</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GainLossOnSalesOfLoansNet" xlink:to="us-gaap_GainLossOnSalesOfLoansNet_lbl0"/>
    <loc xlink:type="locator" xlink:label="us-gaap_GainsLossesOnSalesOfOtherRealEstate" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_GainsLossesOnSalesOfOtherRealEstate"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_GainsLossesOnSalesOfOtherRealEstate_lbl" xml:lang="en-US">Net gain (loss) on sales of real estate owned</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GainsLossesOnSalesOfOtherRealEstate" xlink:to="us-gaap_GainsLossesOnSalesOfOtherRealEstate_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ValuationAdjustmentForRealEstateOwned" xlink:href="kffb-20211231.xsd#kffb_ValuationAdjustmentForRealEstateOwned"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ValuationAdjustmentForRealEstateOwned_lbl" xml:lang="en-US">Valuation adjustment for real estate owned</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ValuationAdjustmentForRealEstateOwned" xlink:to="kffb_ValuationAdjustmentForRealEstateOwned_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_NoninterestIncomeOther" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NoninterestIncomeOther"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NoninterestIncomeOther_lbl" xml:lang="en-US">Other</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NoninterestIncomeOther" xlink:to="us-gaap_NoninterestIncomeOther_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_NoninterestExpenseAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NoninterestExpenseAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NoninterestExpenseAbstract_lbl" xml:lang="en-US">Non-interest expense</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NoninterestExpenseAbstract" xlink:to="us-gaap_NoninterestExpenseAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_LaborAndRelatedExpense" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LaborAndRelatedExpense"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LaborAndRelatedExpense_lbl" xml:lang="en-US">Employee compensation and benefits</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LaborAndRelatedExpense" xlink:to="us-gaap_LaborAndRelatedExpense_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_InformationTechnologyAndDataProcessing" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InformationTechnologyAndDataProcessing"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InformationTechnologyAndDataProcessing_lbl" xml:lang="en-US">Data processing</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InformationTechnologyAndDataProcessing" xlink:to="us-gaap_InformationTechnologyAndDataProcessing_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_OccupancyAndEquipment" xlink:href="kffb-20211231.xsd#kffb_OccupancyAndEquipment"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_OccupancyAndEquipment_lbl" xml:lang="en-US">Occupancy and equipment</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_OccupancyAndEquipment" xlink:to="kffb_OccupancyAndEquipment_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_FDICInsurancePremiums" xlink:href="kffb-20211231.xsd#kffb_FDICInsurancePremiums"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_FDICInsurancePremiums_lbl" xml:lang="en-US">FDIC insurance premiums</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_FDICInsurancePremiums" xlink:to="kffb_FDICInsurancePremiums_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_VoiceAndDataCommunications" xlink:href="kffb-20211231.xsd#kffb_VoiceAndDataCommunications"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_VoiceAndDataCommunications_lbl" xml:lang="en-US">Voice and data communications</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_VoiceAndDataCommunications" xlink:to="kffb_VoiceAndDataCommunications_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_AdvertisingExpense" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AdvertisingExpense"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AdvertisingExpense_lbl" xml:lang="en-US">Advertising</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AdvertisingExpense" xlink:to="us-gaap_AdvertisingExpense_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_OutsideServiceFees" xlink:href="kffb-20211231.xsd#kffb_OutsideServiceFees"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_OutsideServiceFees_lbl" xml:lang="en-US">Outside service fees</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_OutsideServiceFees" xlink:to="kffb_OutsideServiceFees_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ProfessionalFees" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProfessionalFees"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProfessionalFees_lbl" xml:lang="en-US">Auditing and accounting</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProfessionalFees" xlink:to="us-gaap_ProfessionalFees_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ForeclosedRealEstateExpense" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ForeclosedRealEstateExpense"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ForeclosedRealEstateExpense_lbl" xml:lang="en-US">Foreclosure and real estate owned expenses (net)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ForeclosedRealEstateExpense" xlink:to="us-gaap_ForeclosedRealEstateExpense_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_TaxesOther" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TaxesOther"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TaxesOther_lbl" xml:lang="en-US">Franchise and other taxes</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TaxesOther" xlink:to="us-gaap_TaxesOther_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_OtherNoninterestExpense" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherNoninterestExpense"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_OtherNoninterestExpense_lbl" xml:lang="en-US">Other</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherNoninterestExpense" xlink:to="us-gaap_OtherNoninterestExpense_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_lbl" xml:lang="en-US">Income before income taxes</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:to="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_IncomeTaxExpenseBenefit" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_IncomeTaxExpenseBenefit_lbl" xml:lang="en-US">Income tax expense</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeTaxExpenseBenefit" xlink:to="us-gaap_IncomeTaxExpenseBenefit_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_EarningsPerShareBasicAndDiluted" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EarningsPerShareBasicAndDiluted"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_EarningsPerShareBasicAndDiluted_lbl" xml:lang="en-US">Basic and diluted (in Dollars per share)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EarningsPerShareBasicAndDiluted" xlink:to="us-gaap_EarningsPerShareBasicAndDiluted_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_CommonStockDividendsPerShareDeclared" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommonStockDividendsPerShareDeclared"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CommonStockDividendsPerShareDeclared_lbl" xml:lang="en-US">DIVIDENDS PER SHARE (in Dollars per share)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockDividendsPerShareDeclared" xlink:to="us-gaap_CommonStockDividendsPerShareDeclared_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ProfitLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProfitLoss"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProfitLoss_lbl" xml:lang="en-US">Net income</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProfitLoss" xlink:to="us-gaap_ProfitLoss_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_OtherComprehensiveGainsLossesNetOfTaxAbstract" xlink:href="kffb-20211231.xsd#kffb_OtherComprehensiveGainsLossesNetOfTaxAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_OtherComprehensiveGainsLossesNetOfTaxAbstract_lbl" xml:lang="en-US">Other comprehensive gains (losses), net of tax:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_OtherComprehensiveGainsLossesNetOfTaxAbstract" xlink:to="kffb_OtherComprehensiveGainsLossesNetOfTaxAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax_lbl" xml:lang="en-US">Unrealized holding Gains (losses) on securities designated as available-for-sale, net of taxes of $0, $(1), $0 and $0 during the respective periods</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax" xlink:to="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax_lbl" xml:lang="en-US">Unrealized holding Gains (losses) on securities designated as available-for-sale</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax" xlink:to="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationEmployeeStockPurchaseProgramRequisiteServicePeriodRecognition" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationEmployeeStockPurchaseProgramRequisiteServicePeriodRecognition"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationEmployeeStockPurchaseProgramRequisiteServicePeriodRecognition_lbl" xml:lang="en-US">Allocation of ESOP shares</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationEmployeeStockPurchaseProgramRequisiteServicePeriodRecognition" xlink:to="us-gaap_AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationEmployeeStockPurchaseProgramRequisiteServicePeriodRecognition_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_StockIssuedDuringPeriodValueTreasuryStockReissued" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueTreasuryStockReissued"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_StockIssuedDuringPeriodValueTreasuryStockReissued_lbl" xml:lang="en-US">Acquisition of shares for Treasury</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockIssuedDuringPeriodValueTreasuryStockReissued" xlink:to="us-gaap_StockIssuedDuringPeriodValueTreasuryStockReissued_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_CommonStockDividendsPerShareCashPaid" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommonStockDividendsPerShareCashPaid"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CommonStockDividendsPerShareCashPaid_lbl" xml:lang="en-US">Cash dividends of per common share</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockDividendsPerShareCashPaid" xlink:to="us-gaap_CommonStockDividendsPerShareCashPaid_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax_lbl" xml:lang="en-US">Other comprehensive loss</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax" xlink:to="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_lbl" xml:lang="en-US">Cash flows from operating activities:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:to="us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_lbl" xml:lang="en-US">Adjustments to reconcile net income to net cash provided by operating activities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:to="us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_Depreciation" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_Depreciation"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_Depreciation_lbl" xml:lang="en-US">Depreciation</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Depreciation" xlink:to="us-gaap_Depreciation_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_AmortizationOfPurchasedLoanPremium" xlink:href="kffb-20211231.xsd#kffb_AmortizationOfPurchasedLoanPremium"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_AmortizationOfPurchasedLoanPremium_lbl" xml:lang="en-US">Amortization of purchased loan premium</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_AmortizationOfPurchasedLoanPremium" xlink:to="kffb_AmortizationOfPurchasedLoanPremium_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_AmortizationOfDeferredLoanOriginationCosts" xlink:href="kffb-20211231.xsd#kffb_AmortizationOfDeferredLoanOriginationCosts"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_AmortizationOfDeferredLoanOriginationCosts_lbl" xml:lang="en-US">Amortization of deferred loan origination costs (fees)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_AmortizationOfDeferredLoanOriginationCosts" xlink:to="kffb_AmortizationOfDeferredLoanOriginationCosts_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_EmployeeStockOwnershipPlanESOPCompensationExpense" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EmployeeStockOwnershipPlanESOPCompensationExpense"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_EmployeeStockOwnershipPlanESOPCompensationExpense_lbl" xml:lang="en-US">ESOP compensation expense</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EmployeeStockOwnershipPlanESOPCompensationExpense" xlink:to="us-gaap_EmployeeStockOwnershipPlanESOPCompensationExpense_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ProvisionForLoanLosses" xlink:href="kffb-20211231.xsd#kffb_ProvisionForLoanLosses"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ProvisionForLoanLosses_lbl" xml:lang="en-US">Provision for loan losses</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ProvisionForLoanLosses" xlink:to="kffb_ProvisionForLoanLosses_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ProceedsFromSaleOfMortgageLoansHeldForSale" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromSaleOfMortgageLoansHeldForSale"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProceedsFromSaleOfMortgageLoansHeldForSale_lbl" xml:lang="en-US">Proceeds from loans held for sale</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromSaleOfMortgageLoansHeldForSale" xlink:to="us-gaap_ProceedsFromSaleOfMortgageLoansHeldForSale_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInOperatingCapitalAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_lbl" xml:lang="en-US">Increase (decrease) in cash, due to changes in:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" xlink:to="us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_IncreaseDecreaseInInterestPayableNet" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInInterestPayableNet"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_IncreaseDecreaseInInterestPayableNet_lbl" xml:lang="en-US">Accrued interest payable</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInInterestPayableNet" xlink:to="us-gaap_IncreaseDecreaseInInterestPayableNet_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_IncreaseDecreaseInOtherOperatingLiabilities" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInOtherOperatingLiabilities"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_lbl" xml:lang="en-US">Other liabilities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInOtherOperatingLiabilities" xlink:to="us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable_lbl" xml:lang="en-US">Income taxes</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable" xlink:to="us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_lbl" xml:lang="en-US">Cash flows from investing activities:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:to="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ProceedsFromSaleAndMaturityOfOtherInvestments" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromSaleAndMaturityOfOtherInvestments"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProceedsFromSaleAndMaturityOfOtherInvestments_lbl" xml:lang="en-US">Maturities of time deposits in other financial institutions</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromSaleAndMaturityOfOtherInvestments" xlink:to="us-gaap_ProceedsFromSaleAndMaturityOfOtherInvestments_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_SecuritiesMaturitiesPrepaymentsAndCallsAbstract" xlink:href="kffb-20211231.xsd#kffb_SecuritiesMaturitiesPrepaymentsAndCallsAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_SecuritiesMaturitiesPrepaymentsAndCallsAbstract_lbl" xml:lang="en-US">Securities maturities, prepayments and calls:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_SecuritiesMaturitiesPrepaymentsAndCallsAbstract" xlink:to="kffb_SecuritiesMaturitiesPrepaymentsAndCallsAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities_lbl" xml:lang="en-US">Held to maturity</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities" xlink:to="us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_lbl" xml:lang="en-US">Available for sale</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" xlink:to="us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ProceedsFromSaleOfWhollyOwnedRealEstateAndRealEstateAcquiredInSettlementOfLoans" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromSaleOfWhollyOwnedRealEstateAndRealEstateAcquiredInSettlementOfLoans"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProceedsFromSaleOfWhollyOwnedRealEstateAndRealEstateAcquiredInSettlementOfLoans_lbl" xml:lang="en-US">Proceeds from sale of real estate owned</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromSaleOfWhollyOwnedRealEstateAndRealEstateAcquiredInSettlementOfLoans" xlink:to="us-gaap_ProceedsFromSaleOfWhollyOwnedRealEstateAndRealEstateAcquiredInSettlementOfLoans_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_lbl" xml:lang="en-US">Cash flows from financing activities:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:to="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_IncreaseDecreaseInDeposits" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInDeposits"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_IncreaseDecreaseInDeposits_lbl" xml:lang="en-US">Net increase in deposits</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInDeposits" xlink:to="us-gaap_IncreaseDecreaseInDeposits_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_IncreaseDecreaseInAdvancePaymentsByBorrowersForTaxesAndInsurance" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInAdvancePaymentsByBorrowersForTaxesAndInsurance"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_IncreaseDecreaseInAdvancePaymentsByBorrowersForTaxesAndInsurance_lbl" xml:lang="en-US">Payments by borrowers for taxes and insurance, net</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInAdvancePaymentsByBorrowersForTaxesAndInsurance" xlink:to="us-gaap_IncreaseDecreaseInAdvancePaymentsByBorrowersForTaxesAndInsurance_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ProceedsFromFederalHomeLoanBankAdvances" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromFederalHomeLoanBankAdvances"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProceedsFromFederalHomeLoanBankAdvances_lbl" xml:lang="en-US">Proceeds from Federal Home Loan Bank advances</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromFederalHomeLoanBankAdvances" xlink:to="us-gaap_ProceedsFromFederalHomeLoanBankAdvances_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_SupplementalCashFlowInformationAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SupplementalCashFlowInformationAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_SupplementalCashFlowInformationAbstract_lbl" xml:lang="en-US">Supplemental disclosure of cash flow information:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SupplementalCashFlowInformationAbstract" xlink:to="us-gaap_SupplementalCashFlowInformationAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_NoncashInvestingAndFinancingItemsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NoncashInvestingAndFinancingItemsAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NoncashInvestingAndFinancingItemsAbstract_lbl" xml:lang="en-US">Cash paid during the period for:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NoncashInvestingAndFinancingItemsAbstract" xlink:to="us-gaap_NoncashInvestingAndFinancingItemsAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_FederalIncomeTaxes" xlink:href="kffb-20211231.xsd#kffb_FederalIncomeTaxes"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_FederalIncomeTaxes_lbl" xml:lang="en-US">Federal income taxes</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_FederalIncomeTaxes" xlink:to="kffb_FederalIncomeTaxes_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_InterestPaidNet" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestPaidNet"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestPaidNet_lbl" xml:lang="en-US">Interest on deposits and borrowings</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestPaidNet" xlink:to="us-gaap_InterestPaidNet_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_TransfersOfLoansToRealEstateOwnedNet" xlink:href="kffb-20211231.xsd#kffb_TransfersOfLoansToRealEstateOwnedNet"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_TransfersOfLoansToRealEstateOwnedNet_lbl" xml:lang="en-US">Transfers of loans to real estate owned, net</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_TransfersOfLoansToRealEstateOwnedNet" xlink:to="kffb_TransfersOfLoansToRealEstateOwnedNet_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansMadeOnSaleOfRealEstateOwned" xlink:href="kffb-20211231.xsd#kffb_LoansMadeOnSaleOfRealEstateOwned"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansMadeOnSaleOfRealEstateOwned_lbl" xml:lang="en-US">Loans made on sale of real estate owned</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansMadeOnSaleOfRealEstateOwned" xlink:to="kffb_LoansMadeOnSaleOfRealEstateOwned_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_UnearnedESOPShares" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_UnearnedESOPShares"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_UnearnedESOPShares_lbl" xml:lang="en-US">Unearned employee stock ownership plan (ESOP), 917 shares and 10,255 shares at December 31, 2021 and June 30, 2021, respectively</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_UnearnedESOPShares" xlink:to="us-gaap_UnearnedESOPShares_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_TreasuryStockValue" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TreasuryStockValue"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_TreasuryStockValue_lbl" xml:lang="en-US">Treasury shares at cost, 377,849 and 369,349 common shares at December 31, 2021 and June 30, 2021, respectively</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TreasuryStockValue" xlink:to="us-gaap_TreasuryStockValue_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_RegulatoryAssessments" xlink:href="kffb-20211231.xsd#kffb_RegulatoryAssessments"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="kffb_RegulatoryAssessments_lbl" xml:lang="en-US">Regulatory assessments</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_RegulatoryAssessments" xlink:to="kffb_RegulatoryAssessments_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_DividendsCommonStockCash" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DividendsCommonStockCash"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_DividendsCommonStockCash_lbl" xml:lang="en-US">Cash dividends</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DividendsCommonStockCash" xlink:to="us-gaap_DividendsCommonStockCash_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_AccretionOfPurchasedLoanCreditDiscount" xlink:href="kffb-20211231.xsd#kffb_AccretionOfPurchasedLoanCreditDiscount"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="kffb_AccretionOfPurchasedLoanCreditDiscount_lbl" xml:lang="en-US">Accretion of purchased loan credit discount</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_AccretionOfPurchasedLoanCreditDiscount" xlink:to="kffb_AccretionOfPurchasedLoanCreditDiscount_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments_lbl" xml:lang="en-US">Amortization of premiums on investment securities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments" xlink:to="us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_GainsLossesOnSalesOfInvestmentRealEstate" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_GainsLossesOnSalesOfInvestmentRealEstate"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_GainsLossesOnSalesOfInvestmentRealEstate_lbl" xml:lang="en-US">Net (gain) loss on sale of real estate owned</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GainsLossesOnSalesOfInvestmentRealEstate" xlink:to="us-gaap_GainsLossesOnSalesOfInvestmentRealEstate_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_OtherRealEstateValuationAdjustments" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherRealEstateValuationAdjustments"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_OtherRealEstateValuationAdjustments_lbl" xml:lang="en-US">Valuation adjustments of real estate owned</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherRealEstateValuationAdjustments" xlink:to="us-gaap_OtherRealEstateValuationAdjustments_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_EarningsOnBankownedLifeInsurance" xlink:href="kffb-20211231.xsd#kffb_EarningsOnBankownedLifeInsurance"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="kffb_EarningsOnBankownedLifeInsurance_lbl" xml:lang="en-US">Earnings on bank-owned life insurance</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_EarningsOnBankownedLifeInsurance" xlink:to="kffb_EarningsOnBankownedLifeInsurance_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale_lbl" xml:lang="en-US">Origination of loans held for sale</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale" xlink:to="us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet_lbl" xml:lang="en-US">Accrued interest receivable</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet" xlink:to="us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets_lbl" xml:lang="en-US">Prepaid expenses and other assets</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets" xlink:to="us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_PaymentsForProceedsFromLoansAndLeases" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsForProceedsFromLoansAndLeases"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsForProceedsFromLoansAndLeases_lbl" xml:lang="en-US">Loans originated for investment, net of principal collected</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsForProceedsFromLoansAndLeases" xlink:to="us-gaap_PaymentsForProceedsFromLoansAndLeases_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_AdditionsToRealEstateOwned" xlink:href="kffb-20211231.xsd#kffb_AdditionsToRealEstateOwned"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="kffb_AdditionsToRealEstateOwned_lbl" xml:lang="en-US">Additions to real estate owned</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_AdditionsToRealEstateOwned" xlink:to="kffb_AdditionsToRealEstateOwned_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_lbl" xml:lang="en-US">Additions to premises and equipment, net</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:to="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings_lbl" xml:lang="en-US">Repayments on Federal Home Loan Bank advances</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings" xlink:to="us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_PaymentsForRepurchaseOfOtherEquity" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsForRepurchaseOfOtherEquity"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsForRepurchaseOfOtherEquity_lbl" xml:lang="en-US">Treasury stock purchased</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsForRepurchaseOfOtherEquity" xlink:to="us-gaap_PaymentsForRepurchaseOfOtherEquity_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_PaymentsOfDividendsCommonStock" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsOfDividendsCommonStock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsOfDividendsCommonStock_lbl" xml:lang="en-US">Dividends paid on common stock</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsOfDividendsCommonStock" xlink:to="us-gaap_PaymentsOfDividendsCommonStock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_CommonStockMember" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommonStockMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CommonStockMember_lbl" xml:lang="en-US">Common stock</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockMember" xlink:to="us-gaap_CommonStockMember_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_AdditionalPaidInCapitalMember" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AdditionalPaidInCapitalMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AdditionalPaidInCapitalMember_lbl" xml:lang="en-US">Additional paid-in capital</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AdditionalPaidInCapitalMember" xlink:to="us-gaap_AdditionalPaidInCapitalMember_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_RetainedEarningsMember" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RetainedEarningsMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_RetainedEarningsMember_lbl" xml:lang="en-US">Retained earnings</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RetainedEarningsMember" xlink:to="us-gaap_RetainedEarningsMember_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_UnearnedEmployeeStockOwnershipPlanESOPMember" xlink:href="kffb-20211231.xsd#kffb_UnearnedEmployeeStockOwnershipPlanESOPMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_UnearnedEmployeeStockOwnershipPlanESOPMember_lbl" xml:lang="en-US">Unearned employee stock ownership plan (ESOP)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_UnearnedEmployeeStockOwnershipPlanESOPMember" xlink:to="kffb_UnearnedEmployeeStockOwnershipPlanESOPMember_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_TreasuryStockMember" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TreasuryStockMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TreasuryStockMember_lbl" xml:lang="en-US">Treasury shares</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TreasuryStockMember" xlink:to="us-gaap_TreasuryStockMember_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AccumulatedOtherComprehensiveIncomeMember_lbl" xml:lang="en-US">Accumulated other comprehensive income</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:to="us-gaap_AccumulatedOtherComprehensiveIncomeMember_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_BasisOfPresentationAndSignificantAccountingPoliciesTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BasisOfPresentationAndSignificantAccountingPoliciesTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_BasisOfPresentationAndSignificantAccountingPoliciesTextBlock_lbl" xml:lang="en-US">Basis of Presentation</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_BasisOfPresentationAndSignificantAccountingPoliciesTextBlock" xlink:to="us-gaap_BasisOfPresentationAndSignificantAccountingPoliciesTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_EarningsPerShareTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EarningsPerShareTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_EarningsPerShareTextBlock_lbl" xml:lang="en-US">Earnings Per Share</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EarningsPerShareTextBlock" xlink:to="us-gaap_EarningsPerShareTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_lbl" xml:lang="en-US">Schedule of basic and diluted earnings per share</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock" xlink:to="us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_NetIncomeAllocatedToCommonShareholdersBasicAndDiluted" xlink:href="kffb-20211231.xsd#kffb_NetIncomeAllocatedToCommonShareholdersBasicAndDiluted"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_NetIncomeAllocatedToCommonShareholdersBasicAndDiluted_lbl" xml:lang="en-US">Net income allocated to common shareholders, basic and diluted</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_NetIncomeAllocatedToCommonShareholdersBasicAndDiluted" xlink:to="kffb_NetIncomeAllocatedToCommonShareholdersBasicAndDiluted_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_WeightedAverageNumberOfShareOutstandingBasicAndDiluted" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_WeightedAverageNumberOfShareOutstandingBasicAndDiluted"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_WeightedAverageNumberOfShareOutstandingBasicAndDiluted_lbl" xml:lang="en-US">Weighted average common shares outstanding, basic and diluted</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_WeightedAverageNumberOfShareOutstandingBasicAndDiluted" xlink:to="us-gaap_WeightedAverageNumberOfShareOutstandingBasicAndDiluted_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock_lbl" xml:lang="en-US">Investment Securities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock" xlink:to="us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_InvestmentsSecuritiesTableTextBlock" xlink:href="kffb-20211231.xsd#kffb_InvestmentsSecuritiesTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_InvestmentsSecuritiesTableTextBlock_lbl" xml:lang="en-US">Schedule of gross unrealized or unrecognized gains and losses</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_InvestmentsSecuritiesTableTextBlock" xlink:to="kffb_InvestmentsSecuritiesTableTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_AvailableForSaleSecuritiesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AvailableForSaleSecuritiesAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AvailableForSaleSecuritiesAbstract_lbl" xml:lang="en-US">Available-for-sale Securities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesAbstract" xlink:to="us-gaap_AvailableForSaleSecuritiesAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_AvailableforsaleSecuritiesAmortizedCosts" xlink:href="kffb-20211231.xsd#kffb_AvailableforsaleSecuritiesAmortizedCosts"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_AvailableforsaleSecuritiesAmortizedCosts_lbl" xml:lang="en-US">Available-for-sale Securities, Amortized cost</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_AvailableforsaleSecuritiesAmortizedCosts" xlink:to="kffb_AvailableforsaleSecuritiesAmortizedCosts_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_AvailableforsaleSecuritiesGrossUnrealizedUnrecognizedGain" xlink:href="kffb-20211231.xsd#kffb_AvailableforsaleSecuritiesGrossUnrealizedUnrecognizedGain"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_AvailableforsaleSecuritiesGrossUnrealizedUnrecognizedGain_lbl" xml:lang="en-US">Available-for-sale Securities, Gross unrealized/ unrecognized gains</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_AvailableforsaleSecuritiesGrossUnrealizedUnrecognizedGain" xlink:to="kffb_AvailableforsaleSecuritiesGrossUnrealizedUnrecognizedGain_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_AvailableforsaleSecuritiesGrossUnrealizedUnrecognizeLosses" xlink:href="kffb-20211231.xsd#kffb_AvailableforsaleSecuritiesGrossUnrealizedUnrecognizeLosses"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_AvailableforsaleSecuritiesGrossUnrealizedUnrecognizeLosses_lbl" xml:lang="en-US">Available-for-sale Securities, Gross unrealized/ unrecognized losses</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_AvailableforsaleSecuritiesGrossUnrealizedUnrecognizeLosses" xlink:to="kffb_AvailableforsaleSecuritiesGrossUnrealizedUnrecognizeLosses_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_AvailableforsaleSecuritiesEstimatedFairValues" xlink:href="kffb-20211231.xsd#kffb_AvailableforsaleSecuritiesEstimatedFairValues"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_AvailableforsaleSecuritiesEstimatedFairValues_lbl" xml:lang="en-US">Available-for-sale Securities, Estimated fair value</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_AvailableforsaleSecuritiesEstimatedFairValues" xlink:to="kffb_AvailableforsaleSecuritiesEstimatedFairValues_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_HeldToMaturitySecuritiesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_HeldToMaturitySecuritiesAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_HeldToMaturitySecuritiesAbstract_lbl" xml:lang="en-US">Held-to-maturity Securities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_HeldToMaturitySecuritiesAbstract" xlink:to="us-gaap_HeldToMaturitySecuritiesAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_HeldToMaturitySecuritiesAmortizedCostBeforeOtherThanTemporaryImpairment" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_HeldToMaturitySecuritiesAmortizedCostBeforeOtherThanTemporaryImpairment"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_HeldToMaturitySecuritiesAmortizedCostBeforeOtherThanTemporaryImpairment_lbl" xml:lang="en-US">Held-to-maturity Securities, Amortized cost</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_HeldToMaturitySecuritiesAmortizedCostBeforeOtherThanTemporaryImpairment" xlink:to="us-gaap_HeldToMaturitySecuritiesAmortizedCostBeforeOtherThanTemporaryImpairment_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_lbl" xml:lang="en-US">Held-to-maturity Securities, Gross unrealized/ unrecognized gains</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain" xlink:to="us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_lbl" xml:lang="en-US">Held-to-maturity Securities, Gross unrealized/ unrecognized losses</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss" xlink:to="us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_AvailableForSaleSecuritiesAbstract0" xlink:href="kffb-20211231.xsd#kffb_AvailableForSaleSecuritiesAbstract0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_AvailableForSaleSecuritiesAbstract0_lbl" xml:lang="en-US">Available-for-sale Securities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_AvailableForSaleSecuritiesAbstract0" xlink:to="kffb_AvailableForSaleSecuritiesAbstract0_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_HeldToMaturitySecuritiesAbstract0" xlink:href="kffb-20211231.xsd#kffb_HeldToMaturitySecuritiesAbstract0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_HeldToMaturitySecuritiesAbstract0_lbl" xml:lang="en-US">Held-to-maturity Securities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_HeldToMaturitySecuritiesAbstract0" xlink:to="kffb_HeldToMaturitySecuritiesAbstract0_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FinancingReceivablesTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivablesTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FinancingReceivablesTextBlock_lbl" xml:lang="en-US">Loans receivable</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivablesTextBlock" xlink:to="us-gaap_FinancingReceivablesTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ScheduleOfClassificationOfLoansReceivableTableTextBlock" xlink:href="kffb-20211231.xsd#kffb_ScheduleOfClassificationOfLoansReceivableTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ScheduleOfClassificationOfLoansReceivableTableTextBlock_lbl" xml:lang="en-US">Schedule of loan portfolio</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfClassificationOfLoansReceivableTableTextBlock" xlink:to="kffb_ScheduleOfClassificationOfLoansReceivableTableTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ResidentialRealEstateAbstract" xlink:href="kffb-20211231.xsd#kffb_ResidentialRealEstateAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ResidentialRealEstateAbstract_lbl" xml:lang="en-US">Residential real estate</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ResidentialRealEstateAbstract" xlink:to="kffb_ResidentialRealEstateAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansAndLeasesReceivableOneToFourFamily" xlink:href="kffb-20211231.xsd#kffb_LoansAndLeasesReceivableOneToFourFamily"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansAndLeasesReceivableOneToFourFamily_lbl" xml:lang="en-US">One- to four-family</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansAndLeasesReceivableOneToFourFamily" xlink:to="kffb_LoansAndLeasesReceivableOneToFourFamily_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansAndLeasesReceivableMultifamily" xlink:href="kffb-20211231.xsd#kffb_LoansAndLeasesReceivableMultifamily"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansAndLeasesReceivableMultifamily_lbl" xml:lang="en-US">Multi-family</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansAndLeasesReceivableMultifamily" xlink:to="kffb_LoansAndLeasesReceivableMultifamily_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansAndLeasesReceivableConsumersConstruction" xlink:href="kffb-20211231.xsd#kffb_LoansAndLeasesReceivableConsumersConstruction"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansAndLeasesReceivableConsumersConstruction_lbl" xml:lang="en-US">Construction</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansAndLeasesReceivableConsumersConstruction" xlink:to="kffb_LoansAndLeasesReceivableConsumersConstruction_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansReceivableCommercialLand" xlink:href="kffb-20211231.xsd#kffb_LoansReceivableCommercialLand"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansReceivableCommercialLand_lbl" xml:lang="en-US">Land</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansReceivableCommercialLand" xlink:to="kffb_LoansReceivableCommercialLand_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansReceivableCommercialAgriculturals" xlink:href="kffb-20211231.xsd#kffb_LoansReceivableCommercialAgriculturals"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansReceivableCommercialAgriculturals_lbl" xml:lang="en-US">Farm</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansReceivableCommercialAgriculturals" xlink:to="kffb_LoansReceivableCommercialAgriculturals_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansReceivableCommercialRealEstates" xlink:href="kffb-20211231.xsd#kffb_LoansReceivableCommercialRealEstates"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansReceivableCommercialRealEstates_lbl" xml:lang="en-US">Nonresidential real estate</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansReceivableCommercialRealEstates" xlink:to="kffb_LoansReceivableCommercialRealEstates_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansReceivableCommercialNonMortgage" xlink:href="kffb-20211231.xsd#kffb_LoansReceivableCommercialNonMortgage"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansReceivableCommercialNonMortgage_lbl" xml:lang="en-US">Commercial nonmortgage</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansReceivableCommercialNonMortgage" xlink:to="kffb_LoansReceivableCommercialNonMortgage_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ConsumerAndOtherAbstract" xlink:href="kffb-20211231.xsd#kffb_ConsumerAndOtherAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ConsumerAndOtherAbstract_lbl" xml:lang="en-US">Consumer and other:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ConsumerAndOtherAbstract" xlink:to="kffb_ConsumerAndOtherAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansAndLeasesReceivableLoansOnDeposits" xlink:href="kffb-20211231.xsd#kffb_LoansAndLeasesReceivableLoansOnDeposits"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansAndLeasesReceivableLoansOnDeposits_lbl" xml:lang="en-US">Loans on deposits</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansAndLeasesReceivableLoansOnDeposits" xlink:to="kffb_LoansAndLeasesReceivableLoansOnDeposits_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansAndLeasesReceivablesConsumerHomeEquity" xlink:href="kffb-20211231.xsd#kffb_LoansAndLeasesReceivablesConsumerHomeEquity"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansAndLeasesReceivablesConsumerHomeEquity_lbl" xml:lang="en-US">Home equity</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansAndLeasesReceivablesConsumerHomeEquity" xlink:to="kffb_LoansAndLeasesReceivablesConsumerHomeEquity_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansAndLeasesReceivableAutomobile" xlink:href="kffb-20211231.xsd#kffb_LoansAndLeasesReceivableAutomobile"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansAndLeasesReceivableAutomobile_lbl" xml:lang="en-US">Automobile</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansAndLeasesReceivableAutomobile" xlink:to="kffb_LoansAndLeasesReceivableAutomobile_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansAndLeasesReceivableUnsecured" xlink:href="kffb-20211231.xsd#kffb_LoansAndLeasesReceivableUnsecured"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansAndLeasesReceivableUnsecured_lbl" xml:lang="en-US">Unsecured</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansAndLeasesReceivableUnsecured" xlink:to="kffb_LoansAndLeasesReceivableUnsecured_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_LoansAndLeasesReceivableGrossCarryingAmount" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LoansAndLeasesReceivableGrossCarryingAmount"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LoansAndLeasesReceivableGrossCarryingAmount_lbl" xml:lang="en-US">Loans receivable, gross</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansAndLeasesReceivableGrossCarryingAmount" xlink:to="us-gaap_LoansAndLeasesReceivableGrossCarryingAmount_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_LoansAndLeasesReceivableGrossCarryingAmount_lbl0" xml:lang="en-US">Total</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansAndLeasesReceivableGrossCarryingAmount" xlink:to="us-gaap_LoansAndLeasesReceivableGrossCarryingAmount_lbl0"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansAndLeasesReceivableNet" xlink:href="kffb-20211231.xsd#kffb_LoansAndLeasesReceivableNet"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansAndLeasesReceivableNet_lbl" xml:lang="en-US">Loans receivable - net</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansAndLeasesReceivableNet" xlink:to="kffb_LoansAndLeasesReceivableNet_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock_lbl" xml:lang="en-US">Schedule of allowance for loan losses by portfolio segment</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock" xlink:to="us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ResidentialRealEstateAbstract0" xlink:href="kffb-20211231.xsd#kffb_ResidentialRealEstateAbstract0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ResidentialRealEstateAbstract0_lbl" xml:lang="en-US">Residential real estate:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ResidentialRealEstateAbstract0" xlink:to="kffb_ResidentialRealEstateAbstract0_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ProvisionForLoanAndLeaseLosses" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProvisionForLoanAndLeaseLosses"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProvisionForLoanAndLeaseLosses_lbl" xml:lang="en-US">Provision for loan losses</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProvisionForLoanAndLeaseLosses" xlink:to="us-gaap_ProvisionForLoanAndLeaseLosses_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs_lbl" xml:lang="en-US">Loans charged off</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs" xlink:to="us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts_lbl" xml:lang="en-US">Recoveries</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts" xlink:to="us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ConsumerAndOtherAbstract0" xlink:href="kffb-20211231.xsd#kffb_ConsumerAndOtherAbstract0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ConsumerAndOtherAbstract0_lbl" xml:lang="en-US">Consumer and other:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ConsumerAndOtherAbstract0" xlink:to="kffb_ConsumerAndOtherAbstract0_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ResidentialRealEstateAbstract00" xlink:href="kffb-20211231.xsd#kffb_ResidentialRealEstateAbstract00"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ResidentialRealEstateAbstract00_lbl" xml:lang="en-US">Residential real estate:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ResidentialRealEstateAbstract00" xlink:to="kffb_ResidentialRealEstateAbstract00_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ConsumerAndOtherAbstract00" xlink:href="kffb-20211231.xsd#kffb_ConsumerAndOtherAbstract00"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ConsumerAndOtherAbstract00_lbl" xml:lang="en-US">Consumer and other:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ConsumerAndOtherAbstract00" xlink:to="kffb_ConsumerAndOtherAbstract00_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ResidentialRealEstateAbstract000" xlink:href="kffb-20211231.xsd#kffb_ResidentialRealEstateAbstract000"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ResidentialRealEstateAbstract000_lbl" xml:lang="en-US">Residential real estate:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ResidentialRealEstateAbstract000" xlink:to="kffb_ResidentialRealEstateAbstract000_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ConsumerAndOtherAbstract000" xlink:href="kffb-20211231.xsd#kffb_ConsumerAndOtherAbstract000"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ConsumerAndOtherAbstract000_lbl" xml:lang="en-US">Consumer and other:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ConsumerAndOtherAbstract000" xlink:to="kffb_ConsumerAndOtherAbstract000_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ResidentialRealEstateAbstract0000" xlink:href="kffb-20211231.xsd#kffb_ResidentialRealEstateAbstract0000"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ResidentialRealEstateAbstract0000_lbl" xml:lang="en-US">Residential real estate:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ResidentialRealEstateAbstract0000" xlink:to="kffb_ResidentialRealEstateAbstract0000_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ConsumerAndOtherAbstract0000" xlink:href="kffb-20211231.xsd#kffb_ConsumerAndOtherAbstract0000"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ConsumerAndOtherAbstract0000_lbl" xml:lang="en-US">Consumer and other:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ConsumerAndOtherAbstract0000" xlink:to="kffb_ConsumerAndOtherAbstract0000_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ScheduleOfImpairedLoansReceivableAdditionalInformationTableTextBlock" xlink:href="kffb-20211231.xsd#kffb_ScheduleOfImpairedLoansReceivableAdditionalInformationTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ScheduleOfImpairedLoansReceivableAdditionalInformationTableTextBlock_lbl" xml:lang="en-US">Schedule of allowance for loan losses and the recorded investment in loans by portfolio</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfImpairedLoansReceivableAdditionalInformationTableTextBlock" xlink:to="kffb_ScheduleOfImpairedLoansReceivableAdditionalInformationTableTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansIndividuallyEvaluatedForImpairmentAbstract" xlink:href="kffb-20211231.xsd#kffb_LoansIndividuallyEvaluatedForImpairmentAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansIndividuallyEvaluatedForImpairmentAbstract_lbl" xml:lang="en-US">Loans individually evaluated for impairment:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansIndividuallyEvaluatedForImpairmentAbstract" xlink:to="kffb_LoansIndividuallyEvaluatedForImpairmentAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ResidentialRealEstateAbstract00000" xlink:href="kffb-20211231.xsd#kffb_ResidentialRealEstateAbstract00000"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ResidentialRealEstateAbstract00000_lbl" xml:lang="en-US">Residential real estate:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ResidentialRealEstateAbstract00000" xlink:to="kffb_ResidentialRealEstateAbstract00000_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansIndividuallyEvaluated" xlink:href="kffb-20211231.xsd#kffb_LoansIndividuallyEvaluated"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansIndividuallyEvaluated_lbl" xml:lang="en-US">Loans individually evaluated</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansIndividuallyEvaluated" xlink:to="kffb_LoansIndividuallyEvaluated_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansAcquiredWithDeterioratedCreditQuality" xlink:href="kffb-20211231.xsd#kffb_LoansAcquiredWithDeterioratedCreditQuality"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansAcquiredWithDeterioratedCreditQuality_lbl" xml:lang="en-US">Loans acquired with deteriorated credit quality</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansAcquiredWithDeterioratedCreditQuality" xlink:to="kffb_LoansAcquiredWithDeterioratedCreditQuality_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_EndingLoansBalance" xlink:href="kffb-20211231.xsd#kffb_EndingLoansBalance"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_EndingLoansBalance_lbl" xml:lang="en-US">Unpaid principal balance and recorded investment</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_EndingLoansBalance" xlink:to="kffb_EndingLoansBalance_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_EndingAllowanceAttributedToLoan" xlink:href="kffb-20211231.xsd#kffb_EndingAllowanceAttributedToLoan"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_EndingAllowanceAttributedToLoan_lbl" xml:lang="en-US">Ending allowance attributed to loans</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_EndingAllowanceAttributedToLoan" xlink:to="kffb_EndingAllowanceAttributedToLoan_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ConsumerAbstract" xlink:href="kffb-20211231.xsd#kffb_ConsumerAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ConsumerAbstract_lbl" xml:lang="en-US">Consumer:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ConsumerAbstract" xlink:to="kffb_ConsumerAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansCollectivelyEvaluatedForImpairmentAbstract" xlink:href="kffb-20211231.xsd#kffb_LoansCollectivelyEvaluatedForImpairmentAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansCollectivelyEvaluatedForImpairmentAbstract_lbl" xml:lang="en-US">Loans collectively evaluated for impairment:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansCollectivelyEvaluatedForImpairmentAbstract" xlink:to="kffb_LoansCollectivelyEvaluatedForImpairmentAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ResidentialRealEstateAbstract000000" xlink:href="kffb-20211231.xsd#kffb_ResidentialRealEstateAbstract000000"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ResidentialRealEstateAbstract000000_lbl" xml:lang="en-US">Residential real estate:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ResidentialRealEstateAbstract000000" xlink:to="kffb_ResidentialRealEstateAbstract000000_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ConsumerAbstract0" xlink:href="kffb-20211231.xsd#kffb_ConsumerAbstract0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ConsumerAbstract0_lbl" xml:lang="en-US">Consumer:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ConsumerAbstract0" xlink:to="kffb_ConsumerAbstract0_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansIndividuallyEvaluatedForImpairmentAbstract0" xlink:href="kffb-20211231.xsd#kffb_LoansIndividuallyEvaluatedForImpairmentAbstract0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansIndividuallyEvaluatedForImpairmentAbstract0_lbl" xml:lang="en-US">Loans individually evaluated for impairment:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansIndividuallyEvaluatedForImpairmentAbstract0" xlink:to="kffb_LoansIndividuallyEvaluatedForImpairmentAbstract0_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ResidentialRealEstateAbstract0000000" xlink:href="kffb-20211231.xsd#kffb_ResidentialRealEstateAbstract0000000"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ResidentialRealEstateAbstract0000000_lbl" xml:lang="en-US">Residential real estate:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ResidentialRealEstateAbstract0000000" xlink:to="kffb_ResidentialRealEstateAbstract0000000_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ConsumerAndOtherAbstract00000" xlink:href="kffb-20211231.xsd#kffb_ConsumerAndOtherAbstract00000"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ConsumerAndOtherAbstract00000_lbl" xml:lang="en-US">Consumer and other:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ConsumerAndOtherAbstract00000" xlink:to="kffb_ConsumerAndOtherAbstract00000_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansCollectivelyEvaluatedForImpairmentAbstract0" xlink:href="kffb-20211231.xsd#kffb_LoansCollectivelyEvaluatedForImpairmentAbstract0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansCollectivelyEvaluatedForImpairmentAbstract0_lbl" xml:lang="en-US">Loans collectively evaluated for impairment:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansCollectivelyEvaluatedForImpairmentAbstract0" xlink:to="kffb_LoansCollectivelyEvaluatedForImpairmentAbstract0_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ResidentialRealEstateAbstract00000000" xlink:href="kffb-20211231.xsd#kffb_ResidentialRealEstateAbstract00000000"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ResidentialRealEstateAbstract00000000_lbl" xml:lang="en-US">Residential real estate:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ResidentialRealEstateAbstract00000000" xlink:to="kffb_ResidentialRealEstateAbstract00000000_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ConsumerAbstract00" xlink:href="kffb-20211231.xsd#kffb_ConsumerAbstract00"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ConsumerAbstract00_lbl" xml:lang="en-US">Consumer:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ConsumerAbstract00" xlink:to="kffb_ConsumerAbstract00_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ImpairedFinancingReceivablesTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ImpairedFinancingReceivablesTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ImpairedFinancingReceivablesTableTextBlock_lbl" xml:lang="en-US">Schedule of impaired by class of loans</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ImpairedFinancingReceivablesTableTextBlock" xlink:to="us-gaap_ImpairedFinancingReceivablesTableTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_WithNoRelatedAllowanceRecordedAbstract" xlink:href="kffb-20211231.xsd#kffb_WithNoRelatedAllowanceRecordedAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_WithNoRelatedAllowanceRecordedAbstract_lbl" xml:lang="en-US">With no related allowance recorded:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_WithNoRelatedAllowanceRecordedAbstract" xlink:to="kffb_WithNoRelatedAllowanceRecordedAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ImpairedFinancingReceivablesWithNoRelatedAllowanceAverageRecordedInvestment" xlink:href="kffb-20211231.xsd#kffb_ImpairedFinancingReceivablesWithNoRelatedAllowanceAverageRecordedInvestment"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ImpairedFinancingReceivablesWithNoRelatedAllowanceAverageRecordedInvestment_lbl" xml:lang="en-US">Average Recorded Investment</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ImpairedFinancingReceivablesWithNoRelatedAllowanceAverageRecordedInvestment" xlink:to="kffb_ImpairedFinancingReceivablesWithNoRelatedAllowanceAverageRecordedInvestment_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod_lbl" xml:lang="en-US">Interest Income Recognized</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod" xlink:to="us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod_lbl" xml:lang="en-US">Cash Basis Income Recognized</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod" xlink:to="us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_WithAnAllowanceRecordedAbstract" xlink:href="kffb-20211231.xsd#kffb_WithAnAllowanceRecordedAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_WithAnAllowanceRecordedAbstract_lbl" xml:lang="en-US">With an allowance recorded:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_WithAnAllowanceRecordedAbstract" xlink:to="kffb_WithAnAllowanceRecordedAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment_lbl" xml:lang="en-US">Average Recorded Investment</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment" xlink:to="us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ImpairedFinancingReceivablesWithNoRelatedAllowanceInterestIncomeAccrualMethod" xlink:href="kffb-20211231.xsd#kffb_ImpairedFinancingReceivablesWithNoRelatedAllowanceInterestIncomeAccrualMethod"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ImpairedFinancingReceivablesWithNoRelatedAllowanceInterestIncomeAccrualMethod_lbl" xml:lang="en-US">Interest Income Recognized</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ImpairedFinancingReceivablesWithNoRelatedAllowanceInterestIncomeAccrualMethod" xlink:to="kffb_ImpairedFinancingReceivablesWithNoRelatedAllowanceInterestIncomeAccrualMethod_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ImpairedFinancingReceivablesWithNoRelatedAllowanceInterestIncomeCashBasisMethod" xlink:href="kffb-20211231.xsd#kffb_ImpairedFinancingReceivablesWithNoRelatedAllowanceInterestIncomeCashBasisMethod"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ImpairedFinancingReceivablesWithNoRelatedAllowanceInterestIncomeCashBasisMethod_lbl" xml:lang="en-US">Cash Basis Income Recognized</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ImpairedFinancingReceivablesWithNoRelatedAllowanceInterestIncomeCashBasisMethod" xlink:to="kffb_ImpairedFinancingReceivablesWithNoRelatedAllowanceInterestIncomeCashBasisMethod_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_WithNoRelatedAllowanceRecordedAbstract0" xlink:href="kffb-20211231.xsd#kffb_WithNoRelatedAllowanceRecordedAbstract0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_WithNoRelatedAllowanceRecordedAbstract0_lbl" xml:lang="en-US">With no related allowance recorded:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_WithNoRelatedAllowanceRecordedAbstract0" xlink:to="kffb_WithNoRelatedAllowanceRecordedAbstract0_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ResidentialRealEstateAbstract000000000" xlink:href="kffb-20211231.xsd#kffb_ResidentialRealEstateAbstract000000000"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ResidentialRealEstateAbstract000000000_lbl" xml:lang="en-US">Residential real estate:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ResidentialRealEstateAbstract000000000" xlink:to="kffb_ResidentialRealEstateAbstract000000000_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_WithAnAllowanceRecordedAbstract0" xlink:href="kffb-20211231.xsd#kffb_WithAnAllowanceRecordedAbstract0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_WithAnAllowanceRecordedAbstract0_lbl" xml:lang="en-US">With an allowance recorded:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_WithAnAllowanceRecordedAbstract0" xlink:to="kffb_WithAnAllowanceRecordedAbstract0_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock_lbl" xml:lang="en-US">Schedule of purchased credit impaired loans</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock" xlink:to="us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ResidentialRealEstateAbstract0000000000" xlink:href="kffb-20211231.xsd#kffb_ResidentialRealEstateAbstract0000000000"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ResidentialRealEstateAbstract0000000000_lbl" xml:lang="en-US">Residential real estate:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ResidentialRealEstateAbstract0000000000" xlink:to="kffb_ResidentialRealEstateAbstract0000000000_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus_lbl" xml:lang="en-US">Nonaccrual</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus" xlink:to="us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing_lbl" xml:lang="en-US">Loans Past Due Over 90 Days Still Accruing</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" xlink:to="us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ScheduleOfDebtInstrumentsTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfDebtInstrumentsTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ScheduleOfDebtInstrumentsTextBlock_lbl" xml:lang="en-US">Schedule of TDR loan modifications</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfDebtInstrumentsTextBlock" xlink:to="us-gaap_ScheduleOfDebtInstrumentsTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ResidentialRealEstateAbstract00000000000" xlink:href="kffb-20211231.xsd#kffb_ResidentialRealEstateAbstract00000000000"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ResidentialRealEstateAbstract00000000000_lbl" xml:lang="en-US">Residential real estate:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ResidentialRealEstateAbstract00000000000" xlink:to="kffb_ResidentialRealEstateAbstract00000000000_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_PropertyPlantAndEquipmentGross" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PropertyPlantAndEquipmentGross"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PropertyPlantAndEquipmentGross_lbl" xml:lang="en-US">Troubled debt restructurings</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentGross" xlink:to="us-gaap_PropertyPlantAndEquipmentGross_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ResidentialRealEstateAbstract000000000000" xlink:href="kffb-20211231.xsd#kffb_ResidentialRealEstateAbstract000000000000"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ResidentialRealEstateAbstract000000000000_lbl" xml:lang="en-US">Residential real estate:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ResidentialRealEstateAbstract000000000000" xlink:to="kffb_ResidentialRealEstateAbstract000000000000_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_PastDueFinancingReceivablesTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PastDueFinancingReceivablesTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PastDueFinancingReceivablesTableTextBlock_lbl" xml:lang="en-US">Schedule of principal balance outstanding in past due loans</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PastDueFinancingReceivablesTableTextBlock" xlink:to="us-gaap_PastDueFinancingReceivablesTableTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ResidentialRealEstateAbstract0000000000000" xlink:href="kffb-20211231.xsd#kffb_ResidentialRealEstateAbstract0000000000000"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ResidentialRealEstateAbstract0000000000000_lbl" xml:lang="en-US">Residential real estate:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ResidentialRealEstateAbstract0000000000000" xlink:to="kffb_ResidentialRealEstateAbstract0000000000000_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_FinancingReceivablesRecordedInvestmentPastDue" xlink:href="kffb-20211231.xsd#kffb_FinancingReceivablesRecordedInvestmentPastDue"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_FinancingReceivablesRecordedInvestmentPastDue_lbl" xml:lang="en-US">Total Past Due</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_FinancingReceivablesRecordedInvestmentPastDue" xlink:to="kffb_FinancingReceivablesRecordedInvestmentPastDue_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_FinancingReceivablesRecordedInvestmentCurrent" xlink:href="kffb-20211231.xsd#kffb_FinancingReceivablesRecordedInvestmentCurrent"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_FinancingReceivablesRecordedInvestmentCurrent_lbl" xml:lang="en-US">Loans Not Past Due</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_FinancingReceivablesRecordedInvestmentCurrent" xlink:to="kffb_FinancingReceivablesRecordedInvestmentCurrent_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ConsumerAndOtherAbstract000000" xlink:href="kffb-20211231.xsd#kffb_ConsumerAndOtherAbstract000000"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ConsumerAndOtherAbstract000000_lbl" xml:lang="en-US">Consumer and other:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ConsumerAndOtherAbstract000000" xlink:to="kffb_ConsumerAndOtherAbstract000000_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ResidentialRealEstateAbstract00000000000000" xlink:href="kffb-20211231.xsd#kffb_ResidentialRealEstateAbstract00000000000000"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ResidentialRealEstateAbstract00000000000000_lbl" xml:lang="en-US">Residential real estate:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ResidentialRealEstateAbstract00000000000000" xlink:to="kffb_ResidentialRealEstateAbstract00000000000000_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ConsumerAbstract000" xlink:href="kffb-20211231.xsd#kffb_ConsumerAbstract000"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ConsumerAbstract000_lbl" xml:lang="en-US">Consumer:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ConsumerAbstract000" xlink:to="kffb_ConsumerAbstract000_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock_lbl" xml:lang="en-US">Schedule of analysis performed, the risk category of loans by class of loans</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xlink:to="us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ResidentialRealEstateAbstract000000000000000" xlink:href="kffb-20211231.xsd#kffb_ResidentialRealEstateAbstract000000000000000"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ResidentialRealEstateAbstract000000000000000_lbl" xml:lang="en-US">Residential real estate:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ResidentialRealEstateAbstract000000000000000" xlink:to="kffb_ResidentialRealEstateAbstract000000000000000_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ConsumerAbstract0000" xlink:href="kffb-20211231.xsd#kffb_ConsumerAbstract0000"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ConsumerAbstract0000_lbl" xml:lang="en-US">Consumer:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ConsumerAbstract0000" xlink:to="kffb_ConsumerAbstract0000_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ResidentialRealEstateAbstract0000000000000000" xlink:href="kffb-20211231.xsd#kffb_ResidentialRealEstateAbstract0000000000000000"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ResidentialRealEstateAbstract0000000000000000_lbl" xml:lang="en-US">Residential real estate:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ResidentialRealEstateAbstract0000000000000000" xlink:to="kffb_ResidentialRealEstateAbstract0000000000000000_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ConsumerAbstract00000" xlink:href="kffb-20211231.xsd#kffb_ConsumerAbstract00000"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ConsumerAbstract00000_lbl" xml:lang="en-US">Consumer:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ConsumerAbstract00000" xlink:to="kffb_ConsumerAbstract00000_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ScheduleOfPurchasedCreditImpairedLoansTableTextBlock" xlink:href="kffb-20211231.xsd#kffb_ScheduleOfPurchasedCreditImpairedLoansTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ScheduleOfPurchasedCreditImpairedLoansTableTextBlock_lbl" xml:lang="en-US">Schedule of purchased credit impaired loans</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfPurchasedCreditImpairedLoansTableTextBlock" xlink:to="kffb_ScheduleOfPurchasedCreditImpairedLoansTableTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_PaymentsToAcquireResidentialRealEstate" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsToAcquireResidentialRealEstate"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PaymentsToAcquireResidentialRealEstate_lbl" xml:lang="en-US">One- to four-family residential real estate</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsToAcquireResidentialRealEstate" xlink:to="us-gaap_PaymentsToAcquireResidentialRealEstate_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYieldTableTextBlock" xlink:href="kffb-20211231.xsd#kffb_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYieldTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYieldTableTextBlock_lbl" xml:lang="en-US">Schedule of accretable yield, or income expected to be collected</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYieldTableTextBlock" xlink:to="kffb_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYieldTableTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_IncreaseDecreaseInDisposalsOfRecoveries" xlink:href="kffb-20211231.xsd#kffb_IncreaseDecreaseInDisposalsOfRecoveries"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_IncreaseDecreaseInDisposalsOfRecoveries_lbl" xml:lang="en-US">Disposals, net of recoveries</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_IncreaseDecreaseInDisposalsOfRecoveries" xlink:to="kffb_IncreaseDecreaseInDisposalsOfRecoveries_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FairValueDisclosuresTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueDisclosuresTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FairValueDisclosuresTextBlock_lbl" xml:lang="en-US">Disclosures About Fair Value of Assets and Liabilities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueDisclosuresTextBlock" xlink:to="us-gaap_FairValueDisclosuresTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FairValueAssetsMeasuredOnRecurringBasisTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FairValueAssetsMeasuredOnRecurringBasisTextBlock_lbl" xml:lang="en-US">Schedule of financial assets measured at fair value on a recurring basis</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueAssetsMeasuredOnRecurringBasisTextBlock" xlink:to="us-gaap_FairValueAssetsMeasuredOnRecurringBasisTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_AssetsFairValueDisclosure" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AssetsFairValueDisclosure"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AssetsFairValueDisclosure_lbl" xml:lang="en-US">Fair value</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AssetsFairValueDisclosure" xlink:to="us-gaap_AssetsFairValueDisclosure_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_June302021Abstract" xlink:href="kffb-20211231.xsd#kffb_June302021Abstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_June302021Abstract_lbl" xml:lang="en-US">June 30, 2021</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_June302021Abstract" xlink:to="kffb_June302021Abstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FairValueByBalanceSheetGroupingTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueByBalanceSheetGroupingTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FairValueByBalanceSheetGroupingTextBlock_lbl" xml:lang="en-US">Schedule of foregoing methods and assumptions, the carrying value and fair value</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueByBalanceSheetGroupingTextBlock" xlink:to="us-gaap_FairValueByBalanceSheetGroupingTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_FinancialAssetsAbstract" xlink:href="kffb-20211231.xsd#kffb_FinancialAssetsAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_FinancialAssetsAbstract_lbl" xml:lang="en-US">Financial assets</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_FinancialAssetsAbstract" xlink:to="kffb_FinancialAssetsAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_CashAndCashEquivalentsFairValueDisclosure" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CashAndCashEquivalentsFairValueDisclosure"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CashAndCashEquivalentsFairValueDisclosure_lbl" xml:lang="en-US">Cash and cash equivalents</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CashAndCashEquivalentsFairValueDisclosure" xlink:to="us-gaap_CashAndCashEquivalentsFairValueDisclosure_lbl"/>
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    <loc xlink:type="locator" xlink:label="us-gaap_HomeEquityMember" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_HomeEquityMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_HomeEquityMember_lbl" xml:lang="en-US">Home equity [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_HomeEquityMember" xlink:to="us-gaap_HomeEquityMember_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_AutomobilesMember" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AutomobilesMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AutomobilesMember_lbl" xml:lang="en-US">Automobiles [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AutomobilesMember" xlink:to="us-gaap_AutomobilesMember_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_AutomobilesMember_lbl0" xml:lang="en-US">Automobile [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AutomobilesMember" xlink:to="us-gaap_AutomobilesMember_lbl0"/>
    <loc xlink:type="locator" xlink:label="kffb_UnsecuredMember" xlink:href="kffb-20211231.xsd#kffb_UnsecuredMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_UnsecuredMember_lbl" xml:lang="en-US">Unsecured [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_UnsecuredMember" xlink:to="kffb_UnsecuredMember_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_UnallocatedMember" xlink:href="kffb-20211231.xsd#kffb_UnallocatedMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_UnallocatedMember_lbl" xml:lang="en-US">Unallocated [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_UnallocatedMember" xlink:to="kffb_UnallocatedMember_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansIndividuallyEvaluatedForImpairmentMember" xlink:href="kffb-20211231.xsd#kffb_LoansIndividuallyEvaluatedForImpairmentMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansIndividuallyEvaluatedForImpairmentMember_lbl" xml:lang="en-US">Loans individually evaluated for impairment [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansIndividuallyEvaluatedForImpairmentMember" xlink:to="kffb_LoansIndividuallyEvaluatedForImpairmentMember_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_HomeEquityLoanMember" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_HomeEquityLoanMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_HomeEquityLoanMember_lbl" xml:lang="en-US">Home Equity [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_HomeEquityLoanMember" xlink:to="us-gaap_HomeEquityLoanMember_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_HomeEquityLoanMember_lbl0" xml:lang="en-US">Home equity [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_HomeEquityLoanMember" xlink:to="us-gaap_HomeEquityLoanMember_lbl0"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansCollectivelyEvaluatedForImpairmentMember" xlink:href="kffb-20211231.xsd#kffb_LoansCollectivelyEvaluatedForImpairmentMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_LoansCollectivelyEvaluatedForImpairmentMember_lbl" xml:lang="en-US">Loans collectively evaluated for impairment [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansCollectivelyEvaluatedForImpairmentMember" xlink:to="kffb_LoansCollectivelyEvaluatedForImpairmentMember_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="kffb_LoansCollectivelyEvaluatedForImpairmentMember_lbl0" xml:lang="en-US">Loans collectively evaluated for impairment [Member]Loans collectively evaluated for impairment [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansCollectivelyEvaluatedForImpairmentMember" xlink:to="kffb_LoansCollectivelyEvaluatedForImpairmentMember_lbl0"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ConstructionMember" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ConstructionMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ConstructionMember_lbl" xml:lang="en-US">Construction [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ConstructionMember" xlink:to="us-gaap_ConstructionMember_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ConsumerAndOtherMember" xlink:href="kffb-20211231.xsd#kffb_ConsumerAndOtherMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_ConsumerAndOtherMember_lbl" xml:lang="en-US">Consumer [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ConsumerAndOtherMember" xlink:to="kffb_ConsumerAndOtherMember_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_PurchasedCreditimpairedLoansMember" xlink:href="kffb-20211231.xsd#kffb_PurchasedCreditimpairedLoansMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_PurchasedCreditimpairedLoansMember_lbl" xml:lang="en-US">Purchased credit-impaired loans [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_PurchasedCreditimpairedLoansMember" xlink:to="kffb_PurchasedCreditimpairedLoansMember_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_OneToFourfamilyOneMember" xlink:href="kffb-20211231.xsd#kffb_OneToFourfamilyOneMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_OneToFourfamilyOneMember_lbl" xml:lang="en-US">One- to four-family One [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_OneToFourfamilyOneMember" xlink:to="kffb_OneToFourfamilyOneMember_lbl"/>
    <loc xlink:type="locator" xlink:label="srt_MultifamilyMember" xlink:href="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd#srt_MultifamilyMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="srt_MultifamilyMember_lbl" xml:lang="en-US">Multifamily [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_MultifamilyMember" xlink:to="srt_MultifamilyMember_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ConsumerLoanMember" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ConsumerLoanMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ConsumerLoanMember_lbl" xml:lang="en-US">Consumer [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ConsumerLoanMember" xlink:to="us-gaap_ConsumerLoanMember_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_Chapter7BankruptcyMember" xlink:href="kffb-20211231.xsd#kffb_Chapter7BankruptcyMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_Chapter7BankruptcyMember_lbl" xml:lang="en-US">Chapter 7 bankruptcy [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_Chapter7BankruptcyMember" xlink:to="kffb_Chapter7BankruptcyMember_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_TroubledDebtRestructuringsPerformingToModifiedTermsMember" xlink:href="kffb-20211231.xsd#kffb_TroubledDebtRestructuringsPerformingToModifiedTermsMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_TroubledDebtRestructuringsPerformingToModifiedTermsMember_lbl" xml:lang="en-US">Troubled Debt Restructurings Performing to Modified Terms [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_TroubledDebtRestructuringsPerformingToModifiedTermsMember" xlink:to="kffb_TroubledDebtRestructuringsPerformingToModifiedTermsMember_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_TroubledDebtRestructuringsNotPerformingToModifiedTermsMember" xlink:href="kffb-20211231.xsd#kffb_TroubledDebtRestructuringsNotPerformingToModifiedTermsMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_TroubledDebtRestructuringsNotPerformingToModifiedTermsMember_lbl" xml:lang="en-US">Troubled Debt Restructurings Not Performing to Modified Terms [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_TroubledDebtRestructuringsNotPerformingToModifiedTermsMember" xlink:to="kffb_TroubledDebtRestructuringsNotPerformingToModifiedTermsMember_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_CommercialAndIndustrialMember" xlink:href="kffb-20211231.xsd#kffb_CommercialAndIndustrialMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_CommercialAndIndustrialMember_lbl" xml:lang="en-US">Commercial and industrial [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_CommercialAndIndustrialMember" xlink:to="kffb_CommercialAndIndustrialMember_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_FinancingReceivables30To89DaysPastDueMember" xlink:href="kffb-20211231.xsd#kffb_FinancingReceivables30To89DaysPastDueMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_FinancingReceivables30To89DaysPastDueMember_lbl" xml:lang="en-US">30-89 Days Past Due [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_FinancingReceivables30To89DaysPastDueMember" xlink:to="kffb_FinancingReceivables30To89DaysPastDueMember_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_lbl" xml:lang="en-US">90 Days or Greater Past Due [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember" xlink:to="us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_PassMember" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PassMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PassMember_lbl" xml:lang="en-US">Pass [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PassMember" xlink:to="us-gaap_PassMember_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_SpecialMentionMember" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SpecialMentionMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_SpecialMentionMember_lbl" xml:lang="en-US">Special Mention [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SpecialMentionMember" xlink:to="us-gaap_SpecialMentionMember_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_SubstandardMember" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SubstandardMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_SubstandardMember_lbl" xml:lang="en-US">Substandard [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SubstandardMember" xlink:to="us-gaap_SubstandardMember_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_DoubtfulMember" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DoubtfulMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DoubtfulMember_lbl" xml:lang="en-US">Doubtful [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DoubtfulMember" xlink:to="us-gaap_DoubtfulMember_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FairValueInputsLevel1Member" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueInputsLevel1Member"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FairValueInputsLevel1Member_lbl" xml:lang="en-US">Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueInputsLevel1Member" xlink:to="us-gaap_FairValueInputsLevel1Member_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_FairValueInputsLevel1Member_lbl0" xml:lang="en-US">Level 1 [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueInputsLevel1Member" xlink:to="us-gaap_FairValueInputsLevel1Member_lbl0"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FairValueInputsLevel2Member" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueInputsLevel2Member"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FairValueInputsLevel2Member_lbl" xml:lang="en-US">Significant Other Observable Inputs (Level 2) [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueInputsLevel2Member" xlink:to="us-gaap_FairValueInputsLevel2Member_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_FairValueInputsLevel2Member_lbl0" xml:lang="en-US">Level 2 [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueInputsLevel2Member" xlink:to="us-gaap_FairValueInputsLevel2Member_lbl0"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FairValueInputsLevel3Member" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FairValueInputsLevel3Member_lbl" xml:lang="en-US">Significant Unobservable Inputs (Level 3) [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueInputsLevel3Member" xlink:to="us-gaap_FairValueInputsLevel3Member_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_FairValueInputsLevel3Member_lbl0" xml:lang="en-US">Level 3 [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueInputsLevel3Member" xlink:to="us-gaap_FairValueInputsLevel3Member_lbl0"/>
    <loc xlink:type="locator" xlink:label="us-gaap_CarryingReportedAmountFairValueDisclosureMember" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CarryingReportedAmountFairValueDisclosureMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CarryingReportedAmountFairValueDisclosureMember_lbl" xml:lang="en-US">Carrying Value [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CarryingReportedAmountFairValueDisclosureMember" xlink:to="us-gaap_CarryingReportedAmountFairValueDisclosureMember_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_AssetsTotalMember" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AssetsTotalMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AssetsTotalMember_lbl" xml:lang="en-US">Total [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AssetsTotalMember" xlink:to="us-gaap_AssetsTotalMember_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_TroubledDebtRestructuringDebtorSubsequentPeriodsAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TroubledDebtRestructuringDebtorSubsequentPeriodsAxis"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TroubledDebtRestructuringDebtorSubsequentPeriodsAxis_lbl" xml:lang="en-US">Troubled Debt Restructuring, Debtor, Subsequent Periods [Axis]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TroubledDebtRestructuringDebtorSubsequentPeriodsAxis" xlink:to="us-gaap_TroubledDebtRestructuringDebtorSubsequentPeriodsAxis_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_PledgedSecurities" xlink:href="kffb-20211231.xsd#kffb_PledgedSecurities"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_PledgedSecurities_lbl" xml:lang="en-US">Pledged securities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_PledgedSecurities" xlink:to="kffb_PledgedSecurities_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_NetDeferredLoanCosts" xlink:href="kffb-20211231.xsd#kffb_NetDeferredLoanCosts"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_NetDeferredLoanCosts_lbl" xml:lang="en-US">Net deferred loan costs</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_NetDeferredLoanCosts" xlink:to="kffb_NetDeferredLoanCosts_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_OneToFourfamilyLoans" xlink:href="kffb-20211231.xsd#kffb_OneToFourfamilyLoans"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_OneToFourfamilyLoans_lbl" xml:lang="en-US">One- to four-family loans</label>
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    <loc xlink:type="locator" xlink:label="us-gaap_LoansPayable" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LoansPayable"/>
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    <loc xlink:type="locator" xlink:label="us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2_lbl" xml:lang="en-US">Loans classified as TDRs</label>
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    <loc xlink:type="locator" xlink:label="kffb_PercentageOfBankruptcyProceedingsToBorrower" xlink:href="kffb-20211231.xsd#kffb_PercentageOfBankruptcyProceedingsToBorrower"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_PercentageOfBankruptcyProceedingsToBorrower_lbl" xml:lang="en-US">Bankruptcy proceedings, percentage</label>
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    <loc xlink:type="locator" xlink:label="us-gaap_CertainLoansAndDebtSecuritiesAcquiredInTransferAllowanceForCreditLossesDueToSubsequentImpairment" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CertainLoansAndDebtSecuritiesAcquiredInTransferAllowanceForCreditLossesDueToSubsequentImpairment"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CertainLoansAndDebtSecuritiesAcquiredInTransferAllowanceForCreditLossesDueToSubsequentImpairment_lbl" xml:lang="en-US">Net of a purchase credit discount</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CertainLoansAndDebtSecuritiesAcquiredInTransferAllowanceForCreditLossesDueToSubsequentImpairment" xlink:to="us-gaap_CertainLoansAndDebtSecuritiesAcquiredInTransferAllowanceForCreditLossesDueToSubsequentImpairment_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ConsolidationPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ConsolidationPolicyTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ConsolidationPolicyTextBlock_lbl" xml:lang="en-US">Principles of Consolidation</label>
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    <loc xlink:type="locator" xlink:label="us-gaap_PriorPeriodReclassificationAdjustmentDescription" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PriorPeriodReclassificationAdjustmentDescription"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PriorPeriodReclassificationAdjustmentDescription_lbl" xml:lang="en-US">Reclassifications</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PriorPeriodReclassificationAdjustmentDescription" xlink:to="us-gaap_PriorPeriodReclassificationAdjustmentDescription_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_lbl" xml:lang="en-US">New Accounting Standards</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:to="us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_TroubledDebtRestructuringMember" xlink:href="kffb-20211231.xsd#kffb_TroubledDebtRestructuringMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="kffb_TroubledDebtRestructuringMember_lbl" xml:lang="en-US">Troubled Debt Restructuring [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_TroubledDebtRestructuringMember" xlink:to="kffb_TroubledDebtRestructuringMember_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_EquityComponentDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EquityComponentDomain"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_EquityComponentDomain_lbl" xml:lang="en-US">Equity Component [Domain]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EquityComponentDomain" xlink:to="us-gaap_EquityComponentDomain_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_lbl" xml:lang="en-US">Financial Instruments [Domain]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:to="us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_InvestmentSecuritiesDetailsScheduleofgrossunrealizedorunrecognizedgainsandlossesTable" xlink:href="kffb-20211231.xsd#kffb_InvestmentSecuritiesDetailsScheduleofgrossunrealizedorunrecognizedgainsandlossesTable"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_InvestmentSecuritiesDetailsScheduleofgrossunrealizedorunrecognizedgainsandlossesTable_lbl" xml:lang="en-US">Investment Securities (Details) - Schedule of gross unrealized or unrecognized gains and losses [Table]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_InvestmentSecuritiesDetailsScheduleofgrossunrealizedorunrecognizedgainsandlossesTable" xlink:to="kffb_InvestmentSecuritiesDetailsScheduleofgrossunrealizedorunrecognizedgainsandlossesTable_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_InvestmentSecuritiesDetailsScheduleofgrossunrealizedorunrecognizedgainsandlossesLineItems" xlink:href="kffb-20211231.xsd#kffb_InvestmentSecuritiesDetailsScheduleofgrossunrealizedorunrecognizedgainsandlossesLineItems"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_InvestmentSecuritiesDetailsScheduleofgrossunrealizedorunrecognizedgainsandlossesLineItems_lbl" xml:lang="en-US">Investment Securities (Details) - Schedule of gross unrealized or unrecognized gains and losses [Line Items]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_InvestmentSecuritiesDetailsScheduleofgrossunrealizedorunrecognizedgainsandlossesLineItems" xlink:to="kffb_InvestmentSecuritiesDetailsScheduleofgrossunrealizedorunrecognizedgainsandlossesLineItems_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_ResidentialRealEstateFamilyDomain" xlink:href="kffb-20211231.xsd#kffb_ResidentialRealEstateFamilyDomain"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ResidentialRealEstateFamilyDomain_lbl" xml:lang="en-US">ResidentialRealEstateFamily [Domain]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ResidentialRealEstateFamilyDomain" xlink:to="kffb_ResidentialRealEstateFamilyDomain_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_lbl" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss [Table]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:to="us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_lbl" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss [Line Items]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems" xlink:to="us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_FinancingReceivableAllowanceForCreditLossDomain" xlink:href="kffb-20211231.xsd#kffb_FinancingReceivableAllowanceForCreditLossDomain"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_FinancingReceivableAllowanceForCreditLossDomain_lbl" xml:lang="en-US">FinancingReceivableAllowanceForCreditLoss [Domain]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_FinancingReceivableAllowanceForCreditLossDomain" xlink:to="kffb_FinancingReceivableAllowanceForCreditLossDomain_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansReceivableDetailsScheduleofallowanceforloanlossesandtherecordedinvestmentinloansbyportfolioTable" xlink:href="kffb-20211231.xsd#kffb_LoansReceivableDetailsScheduleofallowanceforloanlossesandtherecordedinvestmentinloansbyportfolioTable"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_LoansReceivableDetailsScheduleofallowanceforloanlossesandtherecordedinvestmentinloansbyportfolioTable_lbl" xml:lang="en-US">Loans Receivable (Details) - Schedule of allowance for loan losses and the recorded investment in loans by portfolio [Table]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansReceivableDetailsScheduleofallowanceforloanlossesandtherecordedinvestmentinloansbyportfolioTable" xlink:to="kffb_LoansReceivableDetailsScheduleofallowanceforloanlossesandtherecordedinvestmentinloansbyportfolioTable_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansReceivableDetailsScheduleofallowanceforloanlossesandtherecordedinvestmentinloansbyportfolioLineItems" xlink:href="kffb-20211231.xsd#kffb_LoansReceivableDetailsScheduleofallowanceforloanlossesandtherecordedinvestmentinloansbyportfolioLineItems"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_LoansReceivableDetailsScheduleofallowanceforloanlossesandtherecordedinvestmentinloansbyportfolioLineItems_lbl" xml:lang="en-US">Loans Receivable (Details) - Schedule of allowance for loan losses and the recorded investment in loans by portfolio [Line Items]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansReceivableDetailsScheduleofallowanceforloanlossesandtherecordedinvestmentinloansbyportfolioLineItems" xlink:to="kffb_LoansReceivableDetailsScheduleofallowanceforloanlossesandtherecordedinvestmentinloansbyportfolioLineItems_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ScheduleOfImpairedFinancingReceivableTable" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfImpairedFinancingReceivableTable"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfImpairedFinancingReceivableTable_lbl" xml:lang="en-US">Schedule of Impaired Financing Receivable [Table]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfImpairedFinancingReceivableTable" xlink:to="us-gaap_ScheduleOfImpairedFinancingReceivableTable_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FinancingReceivableImpairedLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivableImpairedLineItems"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableImpairedLineItems_lbl" xml:lang="en-US">Financing Receivable, Impaired [Line Items]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableImpairedLineItems" xlink:to="us-gaap_FinancingReceivableImpairedLineItems_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_lbl" xml:lang="en-US">Financing Receivable, Troubled Debt Restructuring [Table]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable" xlink:to="us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FinancingReceivableModificationsLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivableModificationsLineItems"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableModificationsLineItems_lbl" xml:lang="en-US">Financing Receivable, Troubled Debt Restructuring [Line Items]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableModificationsLineItems" xlink:to="us-gaap_FinancingReceivableModificationsLineItems_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_lbl" xml:lang="en-US">Class of Financing Receivable [Domain]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:to="us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_CollateralDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CollateralDomain"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CollateralDomain_lbl" xml:lang="en-US">Collateral Held [Domain]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CollateralDomain" xlink:to="us-gaap_CollateralDomain_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_DebtInstrumentTable" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtInstrumentTable"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DebtInstrumentTable_lbl" xml:lang="en-US">Schedule of Long-term Debt Instruments [Table]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtInstrumentTable" xlink:to="us-gaap_DebtInstrumentTable_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_DebtInstrumentLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtInstrumentLineItems"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DebtInstrumentLineItems_lbl" xml:lang="en-US">Debt Instrument [Line Items]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtInstrumentLineItems" xlink:to="us-gaap_DebtInstrumentLineItems_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FinancingReceivablesPeriodPastDueDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivablesPeriodPastDueDomain_lbl" xml:lang="en-US">Financial Asset, Aging [Domain]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivablesPeriodPastDueDomain" xlink:to="us-gaap_FinancingReceivablesPeriodPastDueDomain_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ScheduleOfFinancingReceivablesPastDueTable" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfFinancingReceivablesPastDueTable"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfFinancingReceivablesPastDueTable_lbl" xml:lang="en-US">Financing Receivable, Past Due [Table]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfFinancingReceivablesPastDueTable" xlink:to="us-gaap_ScheduleOfFinancingReceivablesPastDueTable_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_lbl" xml:lang="en-US">Financing Receivable, Past Due [Line Items]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems" xlink:to="us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_InternalCreditAssessmentDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InternalCreditAssessmentDomain"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InternalCreditAssessmentDomain_lbl" xml:lang="en-US">Internal Credit Assessment [Domain]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InternalCreditAssessmentDomain" xlink:to="us-gaap_InternalCreditAssessmentDomain_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_lbl" xml:lang="en-US">Financing Receivable, Credit Quality Indicator [Table]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable" xlink:to="us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentLineItems"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentLineItems_lbl" xml:lang="en-US">Financing Receivable, Credit Quality Indicator [Line Items]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableRecordedInvestmentLineItems" xlink:to="us-gaap_FinancingReceivableRecordedInvestmentLineItems_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueMeasurementsFairValueHierarchyDomain_lbl" xml:lang="en-US">Fair Value Hierarchy and NAV [Domain]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:to="us-gaap_FairValueMeasurementsFairValueHierarchyDomain_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_DisclosuresAboutFairValueofAssetsandLiabilitiesDetailsScheduleoffinancialassetsmeasuredatfairvalueonarecurringbasisTable" xlink:href="kffb-20211231.xsd#kffb_DisclosuresAboutFairValueofAssetsandLiabilitiesDetailsScheduleoffinancialassetsmeasuredatfairvalueonarecurringbasisTable"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_DisclosuresAboutFairValueofAssetsandLiabilitiesDetailsScheduleoffinancialassetsmeasuredatfairvalueonarecurringbasisTable_lbl" xml:lang="en-US">Disclosures About Fair Value of Assets and Liabilities (Details) - Schedule of financial assets measured at fair value on a recurring basis [Table]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_DisclosuresAboutFairValueofAssetsandLiabilitiesDetailsScheduleoffinancialassetsmeasuredatfairvalueonarecurringbasisTable" xlink:to="kffb_DisclosuresAboutFairValueofAssetsandLiabilitiesDetailsScheduleoffinancialassetsmeasuredatfairvalueonarecurringbasisTable_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_DisclosuresAboutFairValueofAssetsandLiabilitiesDetailsScheduleoffinancialassetsmeasuredatfairvalueonarecurringbasisLineItems" xlink:href="kffb-20211231.xsd#kffb_DisclosuresAboutFairValueofAssetsandLiabilitiesDetailsScheduleoffinancialassetsmeasuredatfairvalueonarecurringbasisLineItems"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_DisclosuresAboutFairValueofAssetsandLiabilitiesDetailsScheduleoffinancialassetsmeasuredatfairvalueonarecurringbasisLineItems_lbl" xml:lang="en-US">Disclosures About Fair Value of Assets and Liabilities (Details) - Schedule of financial assets measured at fair value on a recurring basis [Line Items]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_DisclosuresAboutFairValueofAssetsandLiabilitiesDetailsScheduleoffinancialassetsmeasuredatfairvalueonarecurringbasisLineItems" xlink:to="kffb_DisclosuresAboutFairValueofAssetsandLiabilitiesDetailsScheduleoffinancialassetsmeasuredatfairvalueonarecurringbasisLineItems_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_ConcentrationRiskBenchmarkDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ConcentrationRiskBenchmarkDomain"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ConcentrationRiskBenchmarkDomain_lbl" xml:lang="en-US">Concentration Risk Benchmark [Domain]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ConcentrationRiskBenchmarkDomain" xlink:to="us-gaap_ConcentrationRiskBenchmarkDomain_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FairValueDisclosureItemAmountsDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueDisclosureItemAmountsDomain"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueDisclosureItemAmountsDomain_lbl" xml:lang="en-US">Fair Value Measurement [Domain]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueDisclosureItemAmountsDomain" xlink:to="us-gaap_FairValueDisclosureItemAmountsDomain_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FairValueByBalanceSheetGroupingTable" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueByBalanceSheetGroupingTable"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueByBalanceSheetGroupingTable_lbl" xml:lang="en-US">Fair Value, by Balance Sheet Grouping [Table]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueByBalanceSheetGroupingTable" xlink:to="us-gaap_FairValueByBalanceSheetGroupingTable_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_lbl" xml:lang="en-US">Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:to="us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_TroubledDebtRestructuringDebtorSubsequentPeriodsContingentPaymentsNameDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TroubledDebtRestructuringDebtorSubsequentPeriodsContingentPaymentsNameDomain"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TroubledDebtRestructuringDebtorSubsequentPeriodsContingentPaymentsNameDomain_lbl" xml:lang="en-US">Troubled Debt Restructuring, Debtor, Subsequent Periods, Contingent Payments, Name [Domain]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TroubledDebtRestructuringDebtorSubsequentPeriodsContingentPaymentsNameDomain" xlink:to="us-gaap_TroubledDebtRestructuringDebtorSubsequentPeriodsContingentPaymentsNameDomain_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansReceivableDetailsTable" xlink:href="kffb-20211231.xsd#kffb_LoansReceivableDetailsTable"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_LoansReceivableDetailsTable_lbl" xml:lang="en-US">Loans Receivable (Details) [Table]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansReceivableDetailsTable" xlink:to="kffb_LoansReceivableDetailsTable_lbl"/>
    <loc xlink:type="locator" xlink:label="kffb_LoansReceivableDetailsLineItems" xlink:href="kffb-20211231.xsd#kffb_LoansReceivableDetailsLineItems"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_LoansReceivableDetailsLineItems_lbl" xml:lang="en-US">Loans Receivable (Details) [Line Items]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansReceivableDetailsLineItems" xlink:to="kffb_LoansReceivableDetailsLineItems_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_AccretionOfPurchasedLoanCreditDiscount_lbl0" xml:lang="en-US">Accretion of purchased loan credit discount.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_AccretionOfPurchasedLoanCreditDiscount" xlink:to="kffb_AccretionOfPurchasedLoanCreditDiscount_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_AmortizationOfDeferredLoanOriginationCosts_lbl0" xml:lang="en-US">Amortization of deferred loan origination costs (fees).</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_AmortizationOfDeferredLoanOriginationCosts" xlink:to="kffb_AmortizationOfDeferredLoanOriginationCosts_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_AmortizationOfPurchasedLoanPremium_lbl0" xml:lang="en-US">Amortization of purchased loan premium.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_AmortizationOfPurchasedLoanPremium" xlink:to="kffb_AmortizationOfPurchasedLoanPremium_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_AvailableforsaleSecuritiesAmortizedCosts_lbl0" xml:lang="en-US">Available-for-sale Securities, Amortized cost.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_AvailableforsaleSecuritiesAmortizedCosts" xlink:to="kffb_AvailableforsaleSecuritiesAmortizedCosts_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_AvailableforsaleSecuritiesEstimatedFairValues_lbl0" xml:lang="en-US">Available-for-sale Securities, Estimated fair value</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_AvailableforsaleSecuritiesEstimatedFairValues" xlink:to="kffb_AvailableforsaleSecuritiesEstimatedFairValues_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_AvailableforsaleSecuritiesGrossUnrealizedUnrecognizeLosses_lbl0" xml:lang="en-US">Available-for-sale Securities, Gross unrealized/ unrecognized losses.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_AvailableforsaleSecuritiesGrossUnrealizedUnrecognizeLosses" xlink:to="kffb_AvailableforsaleSecuritiesGrossUnrealizedUnrecognizeLosses_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_AvailableforsaleSecuritiesGrossUnrealizedUnrecognizedGain_lbl0" xml:lang="en-US">Available-for-sale Securities, Gross unrealized/ unrecognized gains.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_AvailableforsaleSecuritiesGrossUnrealizedUnrecognizedGain" xlink:to="kffb_AvailableforsaleSecuritiesGrossUnrealizedUnrecognizedGain_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYieldTableTextBlock_lbl0" xml:lang="en-US">Schedule of accretable yield, or income expected to be collected.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYieldTableTextBlock" xlink:to="kffb_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYieldTableTextBlock_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_DepositFairValueDisclosure_lbl0" xml:lang="en-US">Fair value portion of deposit liabilities held by the entity, including, but not limited to, foreign and domestic, interest and noninterest bearing, demand deposits, saving deposits, negotiable orders of withdrawal (NOW) and time deposits.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_DepositFairValueDisclosure" xlink:to="kffb_DepositFairValueDisclosure_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_EarningsOnBankownedLifeInsurance_lbl0" xml:lang="en-US">Earnings on bank-owned life insurance.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_EarningsOnBankownedLifeInsurance" xlink:to="kffb_EarningsOnBankownedLifeInsurance_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_EndingAllowanceAttributedToLoan_lbl0" xml:lang="en-US">Loans collectively evaluated for impairment, Unallocated Loans collectively evaluated for impair.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_EndingAllowanceAttributedToLoan" xlink:to="kffb_EndingAllowanceAttributedToLoan_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_EndingLoansBalance_lbl0" xml:lang="en-US">Loans individually evaluated for impairment, Ending loans balance.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_EndingLoansBalance" xlink:to="kffb_EndingLoansBalance_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_FDICInsurancePremiums_lbl0" xml:lang="en-US">FDIC insurance premiums.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_FDICInsurancePremiums" xlink:to="kffb_FDICInsurancePremiums_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_FinancingReceivablesRecordedInvestmentCurrent_lbl0" xml:lang="en-US">Amount of financing receivable not past due.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_FinancingReceivablesRecordedInvestmentCurrent" xlink:to="kffb_FinancingReceivablesRecordedInvestmentCurrent_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_FinancingReceivablesRecordedInvestmentPastDue_lbl0" xml:lang="en-US">Amount of financing receivable past due.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_FinancingReceivablesRecordedInvestmentPastDue" xlink:to="kffb_FinancingReceivablesRecordedInvestmentPastDue_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_ImpairedFinancingReceivablesWithNoRelatedAllowanceAverageRecordedInvestment_lbl0" xml:lang="en-US">Amount of average investment of impaired financing receivables for which there is no related allowance for credit losses.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ImpairedFinancingReceivablesWithNoRelatedAllowanceAverageRecordedInvestment" xlink:to="kffb_ImpairedFinancingReceivablesWithNoRelatedAllowanceAverageRecordedInvestment_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_ImpairedFinancingReceivablesWithNoRelatedAllowanceInterestIncomeAccrualMethod_lbl0" xml:lang="en-US">Amount of interest income, recognized on accrual basis, on financing receivables that are recognized as impaired, for which there is no related allowance for credit losses.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ImpairedFinancingReceivablesWithNoRelatedAllowanceInterestIncomeAccrualMethod" xlink:to="kffb_ImpairedFinancingReceivablesWithNoRelatedAllowanceInterestIncomeAccrualMethod_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_ImpairedFinancingReceivablesWithNoRelatedAllowanceInterestIncomeCashBasisMethod_lbl0" xml:lang="en-US">Amount of interest income, recognized on cash basis, on financing receivables, for which there is no related allowance for credit losses and are recognized as impaired.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ImpairedFinancingReceivablesWithNoRelatedAllowanceInterestIncomeCashBasisMethod" xlink:to="kffb_ImpairedFinancingReceivablesWithNoRelatedAllowanceInterestIncomeCashBasisMethod_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_IncreaseDecreaseInDisposalsOfRecoveries_lbl0" xml:lang="en-US">The increase (decrease) during the reporting period in disposals, net of recoveries.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_IncreaseDecreaseInDisposalsOfRecoveries" xlink:to="kffb_IncreaseDecreaseInDisposalsOfRecoveries_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_InterestAndFeeIncomeOtherLoansHeldForSales_lbl0" xml:lang="en-US">Amount of interest and fee income from loans held-for-sale and classified as other.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_InterestAndFeeIncomeOtherLoansHeldForSales" xlink:to="kffb_InterestAndFeeIncomeOtherLoansHeldForSales_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_InterestBearingDemandDeposits_lbl0" xml:lang="en-US">Interest-bearing demand deposits.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_InterestBearingDemandDeposits" xlink:to="kffb_InterestBearingDemandDeposits_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_InterestExpenseCertificatesOfDeposit_lbl0" xml:lang="en-US">Certificates of Deposit.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_InterestExpenseCertificatesOfDeposit" xlink:to="kffb_InterestExpenseCertificatesOfDeposit_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_InvestmentsSecuritiesTableTextBlock_lbl0" xml:lang="en-US">Schedule of gross unrealized or unrecognized gains and losses.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_InvestmentsSecuritiesTableTextBlock" xlink:to="kffb_InvestmentsSecuritiesTableTextBlock_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_LoansAcquiredWithDeterioratedCreditQuality_lbl0" xml:lang="en-US">Loans individually evaluated for impairment, Loans acquired with deteriorated credit quality.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansAcquiredWithDeterioratedCreditQuality" xlink:to="kffb_LoansAcquiredWithDeterioratedCreditQuality_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_LoansAndLeasesReceivableAutomobile_lbl0" xml:lang="en-US">Reflects the gross carrying amount of unpaid loans secured by borrowers automobiles.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansAndLeasesReceivableAutomobile" xlink:to="kffb_LoansAndLeasesReceivableAutomobile_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_LoansAndLeasesReceivableConsumersConstruction_lbl0" xml:lang="en-US">Amount before allowance of loans issued to build, improve or remodel a residential home. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreement.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansAndLeasesReceivableConsumersConstruction" xlink:to="kffb_LoansAndLeasesReceivableConsumersConstruction_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_LoansAndLeasesReceivableLoansOnDeposits_lbl0" xml:lang="en-US">Reflects the gross carrying amount of unpaid loans issued against deposits.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansAndLeasesReceivableLoansOnDeposits" xlink:to="kffb_LoansAndLeasesReceivableLoansOnDeposits_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_LoansAndLeasesReceivableMultifamily_lbl0" xml:lang="en-US">The amount of multi-family.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansAndLeasesReceivableMultifamily" xlink:to="kffb_LoansAndLeasesReceivableMultifamily_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_LoansAndLeasesReceivableNet_lbl0" xml:lang="en-US">Amount after allowance and deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements and loans held for sale.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansAndLeasesReceivableNet" xlink:to="kffb_LoansAndLeasesReceivableNet_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_LoansAndLeasesReceivableOneToFourFamily_lbl0" xml:lang="en-US">The amount of one-to four-family.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansAndLeasesReceivableOneToFourFamily" xlink:to="kffb_LoansAndLeasesReceivableOneToFourFamily_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_LoansAndLeasesReceivableUnsecured_lbl0" xml:lang="en-US">Reflects the gross carrying amount of unsecured unpaid loans.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansAndLeasesReceivableUnsecured" xlink:to="kffb_LoansAndLeasesReceivableUnsecured_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_LoansAndLeasesReceivablesConsumerHomeEquity_lbl0" xml:lang="en-US">Amount before allowance of revolving, open-end loan, extended under a line of credit and secured by the borrower&apos;s residential property. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreement.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansAndLeasesReceivablesConsumerHomeEquity" xlink:to="kffb_LoansAndLeasesReceivablesConsumerHomeEquity_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_LoansHeldForSale_lbl0" xml:lang="en-US">Loans held for sale.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansHeldForSale" xlink:to="kffb_LoansHeldForSale_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_LoansIndividuallyEvaluated_lbl0" xml:lang="en-US">Loans individually evaluated for impairment, Loans Individually evaluated</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansIndividuallyEvaluated" xlink:to="kffb_LoansIndividuallyEvaluated_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_LoansMadeOnSaleOfRealEstateOwned_lbl0" xml:lang="en-US">Loans made on sale of real estate owned.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansMadeOnSaleOfRealEstateOwned" xlink:to="kffb_LoansMadeOnSaleOfRealEstateOwned_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_LoansReceivableCommercialAgriculturals_lbl0" xml:lang="en-US">Amount before allowance of loans issued to agricultural institutions. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans covered under loss sharing agreement.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansReceivableCommercialAgriculturals" xlink:to="kffb_LoansReceivableCommercialAgriculturals_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_LoansReceivableCommercialLand_lbl0" xml:lang="en-US">Amount before allowance of loans issued to agricultural institutions. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans covered under loss sharing agreements.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansReceivableCommercialLand" xlink:to="kffb_LoansReceivableCommercialLand_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_LoansReceivableCommercialNonMortgage_lbl0" xml:lang="en-US">It represents the loans receivable of commercial non mortgage during the period.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansReceivableCommercialNonMortgage" xlink:to="kffb_LoansReceivableCommercialNonMortgage_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_LoansReceivableCommercialRealEstates_lbl0" xml:lang="en-US">Amount before allowance of commercial loans issued to businesses to acquire, develop, construct, improve, or refinance land or building. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans covered under loss sharing agreement.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansReceivableCommercialRealEstates" xlink:to="kffb_LoansReceivableCommercialRealEstates_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_NetIncomeAllocatedToCommonShareholdersBasicAndDiluted_lbl0" xml:lang="en-US">The Amount of Net income allocated to common shareholders, basic and diluted</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_NetIncomeAllocatedToCommonShareholdersBasicAndDiluted" xlink:to="kffb_NetIncomeAllocatedToCommonShareholdersBasicAndDiluted_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_OccupancyAndEquipment_lbl0" xml:lang="en-US">Occupancy and equipment.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_OccupancyAndEquipment" xlink:to="kffb_OccupancyAndEquipment_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_OutsideServiceFees_lbl0" xml:lang="en-US">Outside service fees.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_OutsideServiceFees" xlink:to="kffb_OutsideServiceFees_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_PercentageOfBankruptcyProceedingsToBorrower_lbl0" xml:lang="en-US">Represents the percentage of bankruptcy proceedings to borrower.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_PercentageOfBankruptcyProceedingsToBorrower" xlink:to="kffb_PercentageOfBankruptcyProceedingsToBorrower_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_PledgedSecurities_lbl0" xml:lang="en-US">The amount of pledged securities.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_PledgedSecurities" xlink:to="kffb_PledgedSecurities_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_ProvisionForLoanLosses_lbl0" xml:lang="en-US">Provision for loan losses.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ProvisionForLoanLosses" xlink:to="kffb_ProvisionForLoanLosses_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_RegulatoryAssessments_lbl0" xml:lang="en-US">The amount of regulatory assessments.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_RegulatoryAssessments" xlink:to="kffb_RegulatoryAssessments_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_ScheduleOfClassificationOfLoansReceivableTableTextBlock_lbl0" xml:lang="en-US">Schedule of loan portfolio.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfClassificationOfLoansReceivableTableTextBlock" xlink:to="kffb_ScheduleOfClassificationOfLoansReceivableTableTextBlock_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_ScheduleOfImpairedLoansReceivableAdditionalInformationTableTextBlock_lbl0" xml:lang="en-US">Schedule Of Impaired Loans Receivable Additional Information Table Text Block.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ScheduleOfImpairedLoansReceivableAdditionalInformationTableTextBlock" xlink:to="kffb_ScheduleOfImpairedLoansReceivableAdditionalInformationTableTextBlock_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_TransfersOfLoansToRealEstateOwnedNet_lbl0" xml:lang="en-US">Transfers of loans to real estate owned, net.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_TransfersOfLoansToRealEstateOwnedNet" xlink:to="kffb_TransfersOfLoansToRealEstateOwnedNet_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_ValuationAdjustmentForRealEstateOwned_lbl0" xml:lang="en-US">The amount of valuation adjustment for real estate owned.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ValuationAdjustmentForRealEstateOwned" xlink:to="kffb_ValuationAdjustmentForRealEstateOwned_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="kffb_VoiceAndDataCommunications_lbl0" xml:lang="en-US">Voice and data communications.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_VoiceAndDataCommunications" xlink:to="kffb_VoiceAndDataCommunications_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_LoansReceivableCommercialAgriculturals_lbl1" xml:lang="en-US">LoansReceivableCommercialAgriculturals</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansReceivableCommercialAgriculturals" xlink:to="kffb_LoansReceivableCommercialAgriculturals_lbl1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_WithNoRelatedAllowanceRecordedAbstract_lbl0" xml:lang="en-US">WithNoRelatedAllowanceRecordedAbstract</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_WithNoRelatedAllowanceRecordedAbstract" xlink:to="kffb_WithNoRelatedAllowanceRecordedAbstract_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ResidentialRealEstateAbstract00000000000000_lbl0" xml:lang="en-US">ResidentialRealEstateAbstract00000000000000</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ResidentialRealEstateAbstract00000000000000" xlink:to="kffb_ResidentialRealEstateAbstract00000000000000_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_LoansOnDepositsMember_lbl0" xml:lang="en-US">LoansOnDepositsMember</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansOnDepositsMember" xlink:to="kffb_LoansOnDepositsMember_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_LoansAndLeasesReceivableOneToFourFamily_lbl1" xml:lang="en-US">LoansAndLeasesReceivableOneToFourFamily</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansAndLeasesReceivableOneToFourFamily" xlink:to="kffb_LoansAndLeasesReceivableOneToFourFamily_lbl1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_LoansReceivableCommercialNonMortgage_lbl1" xml:lang="en-US">LoansReceivableCommercialNonMortgage</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansReceivableCommercialNonMortgage" xlink:to="kffb_LoansReceivableCommercialNonMortgage_lbl1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_LoansAndLeasesReceivableLoansOnDeposits_lbl1" xml:lang="en-US">LoansAndLeasesReceivableLoansOnDeposits</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansAndLeasesReceivableLoansOnDeposits" xlink:to="kffb_LoansAndLeasesReceivableLoansOnDeposits_lbl1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ConsumerAbstract000_lbl0" xml:lang="en-US">ConsumerAbstract000</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ConsumerAbstract000" xlink:to="kffb_ConsumerAbstract000_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_TransfersOfLoansToRealEstateOwnedNet_lbl1" xml:lang="en-US">TransfersOfLoansToRealEstateOwnedNet</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_TransfersOfLoansToRealEstateOwnedNet" xlink:to="kffb_TransfersOfLoansToRealEstateOwnedNet_lbl1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ResidentialRealEstateConstructionMember_lbl0" xml:lang="en-US">ResidentialRealEstateConstructionMember</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ResidentialRealEstateConstructionMember" xlink:to="kffb_ResidentialRealEstateConstructionMember_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_EndingLoansBalance_lbl1" xml:lang="en-US">EndingLoansBalance</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_EndingLoansBalance" xlink:to="kffb_EndingLoansBalance_lbl1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ResidentialRealEstateAbstract000_lbl0" xml:lang="en-US">ResidentialRealEstateAbstract000</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ResidentialRealEstateAbstract000" xlink:to="kffb_ResidentialRealEstateAbstract000_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_LoansIndividuallyEvaluated_lbl1" xml:lang="en-US">LoansIndividuallyEvaluated</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansIndividuallyEvaluated" xlink:to="kffb_LoansIndividuallyEvaluated_lbl1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ResidentialRealEstateAbstract0000000000000000_lbl0" xml:lang="en-US">ResidentialRealEstateAbstract0000000000000000</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ResidentialRealEstateAbstract0000000000000000" xlink:to="kffb_ResidentialRealEstateAbstract0000000000000000_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_LoansMadeOnSaleOfRealEstateOwned_lbl1" xml:lang="en-US">LoansMadeOnSaleOfRealEstateOwned</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansMadeOnSaleOfRealEstateOwned" xlink:to="kffb_LoansMadeOnSaleOfRealEstateOwned_lbl1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_AvailableforsaleSecuritiesGrossUnrealizedUnrecognizedGain_lbl1" xml:lang="en-US">AvailableforsaleSecuritiesGrossUnrealizedUnrecognizedGain</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_AvailableforsaleSecuritiesGrossUnrealizedUnrecognizedGain" xlink:to="kffb_AvailableforsaleSecuritiesGrossUnrealizedUnrecognizedGain_lbl1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_LoansAndLeasesReceivableMultifamily_lbl1" xml:lang="en-US">LoansAndLeasesReceivableMultifamily</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansAndLeasesReceivableMultifamily" xlink:to="kffb_LoansAndLeasesReceivableMultifamily_lbl1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ProvisionForLoanLosses_lbl1" xml:lang="en-US">ProvisionForLoanLosses</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ProvisionForLoanLosses" xlink:to="kffb_ProvisionForLoanLosses_lbl1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ImpairedFinancingReceivablesWithNoRelatedAllowanceInterestIncomeCashBasisMethod_lbl1" xml:lang="en-US">ImpairedFinancingReceivablesWithNoRelatedAllowanceInterestIncomeCashBasisMethod</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ImpairedFinancingReceivablesWithNoRelatedAllowanceInterestIncomeCashBasisMethod" xlink:to="kffb_ImpairedFinancingReceivablesWithNoRelatedAllowanceInterestIncomeCashBasisMethod_lbl1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ResidentialRealEstateAbstract_lbl0" xml:lang="en-US">ResidentialRealEstateAbstract</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ResidentialRealEstateAbstract" xlink:to="kffb_ResidentialRealEstateAbstract_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_FinancingReceivableAllowanceForCreditLossAxis_lbl0" xml:lang="en-US">FinancingReceivableAllowanceForCreditLossAxis</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_FinancingReceivableAllowanceForCreditLossAxis" xlink:to="kffb_FinancingReceivableAllowanceForCreditLossAxis_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_LoansCollectivelyEvaluatedForImpairmentAbstract0_lbl0" xml:lang="en-US">LoansCollectivelyEvaluatedForImpairmentAbstract0</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansCollectivelyEvaluatedForImpairmentAbstract0" xlink:to="kffb_LoansCollectivelyEvaluatedForImpairmentAbstract0_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_LoansAndLeasesReceivableNet_lbl1" xml:lang="en-US">LoansAndLeasesReceivableNet</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_LoansAndLeasesReceivableNet" xlink:to="kffb_LoansAndLeasesReceivableNet_lbl1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_FederalIncomeTaxes_lbl0" xml:lang="en-US">FederalIncomeTaxes</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_FederalIncomeTaxes" xlink:to="kffb_FederalIncomeTaxes_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_ConsumerAndOtherAbstract0000_lbl0" xml:lang="en-US">ConsumerAndOtherAbstract0000</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_ConsumerAndOtherAbstract0000" xlink:to="kffb_ConsumerAndOtherAbstract0000_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="kffb_PledgedSecurities_lbl1" xml:lang="en-US">PledgedSecurities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="kffb_PledgedSecurities" xlink:to="kffb_PledgedSecurities_lbl1"/>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CommonStockDividendsPerShareCashPaid_lbl0" xml:lang="en-US">Common Stock, Dividends, Per Share, Cash Paid</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AllowanceForDoubtfulAccountsReceivableCurrent_lbl0" xml:lang="en-US">Accounts Receivable, Allowance for Credit Loss, Current</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing_lbl0" xml:lang="en-US">Financing Receivable, 90 Days or More Past Due, Still Accruing</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NoninterestIncomeAbstract_lbl0" xml:lang="en-US">Noninterest Income [Abstract]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CashAndCashEquivalentsFairValueDisclosure_lbl0" xml:lang="en-US">Cash and Cash Equivalents, Fair Value Disclosure</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueInputsLevel1Member_lbl1" xml:lang="en-US">Fair Value, Inputs, Level 1 [Member]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityFileNumber_lbl0" xml:lang="en-US">Entity File Number</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntitySmallBusiness_lbl0" xml:lang="en-US">Entity Small Business</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestAndFeeIncomeLoansAndLeases_lbl0" xml:lang="en-US">Interest and Fee Income, Loans and Leases</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressCityOrTown_lbl0" xml:lang="en-US">Entity Address, City or Town</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCityOrTown" xlink:to="dei_EntityAddressCityOrTown_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CommonStockMember_lbl0" xml:lang="en-US">Common Stock [Member]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PropertyPlantAndEquipmentGross_lbl0" xml:lang="en-US">Property, Plant and Equipment, Gross</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs_lbl0" xml:lang="en-US">Allowance for Loan and Lease Losses, Write-offs</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs" xlink:to="us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs_lbl0"/>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProceedsFromSaleOfMortgageLoansHeldForSale_lbl0" xml:lang="en-US">Proceeds from Sale of Mortgage Loans Held-for-sale</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect_lbl0" xml:lang="en-US">Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Excluding Exchange Rate Effect</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure_lbl0" xml:lang="en-US">Federal Home Loan Bank Borrowings, Fair Value Disclosure</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityFilerCategory_lbl0" xml:lang="en-US">Entity Filer Category</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_GainsLossesOnSalesOfOtherRealEstate_lbl0" xml:lang="en-US">Gains (Losses) on Sales of Other Real Estate</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_EmployeeStockOwnershipPlanESOPCompensationExpense_lbl0" xml:lang="en-US">Employee Stock Ownership Plan (ESOP), Compensation Expense</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_lbl0" xml:lang="en-US">Net Cash Provided by (Used in) Investing Activities [Abstract]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LoansAndLeasesReceivableGrossCarryingAmount_lbl1" xml:lang="en-US">Loans and Leases Receivable, Gross</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressStateOrProvince_lbl0" xml:lang="en-US">Entity Address, State or Province</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCommonStockSharesOutstanding" xlink:to="dei_EntityCommonStockSharesOutstanding_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale_lbl0" xml:lang="en-US">Payments for Origination of Mortgage Loans Held-for-sale</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale" xlink:to="us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PastDueFinancingReceivablesTableTextBlock_lbl0" xml:lang="en-US">Financing Receivable, Past Due [Table Text Block]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PastDueFinancingReceivablesTableTextBlock" xlink:to="us-gaap_PastDueFinancingReceivablesTableTextBlock_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivities_lbl0" xml:lang="en-US">Net Cash Provided by (Used in) Operating Activities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="us-gaap_NetCashProvidedByUsedInOperatingActivities_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivities_lbl0" xml:lang="en-US">Net Cash Provided by (Used in) Financing Activities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:to="us-gaap_NetCashProvidedByUsedInFinancingActivities_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PreferredStockSharesOutstanding_lbl0" xml:lang="en-US">Preferred Stock, Shares Outstanding</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PreferredStockSharesOutstanding" xlink:to="us-gaap_PreferredStockSharesOutstanding_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueInputsLevel2Member_lbl1" xml:lang="en-US">Fair Value, Inputs, Level 2 [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueInputsLevel2Member" xlink:to="us-gaap_FairValueInputsLevel2Member_lbl1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PropertyPlantAndEquipmentNet_lbl0" xml:lang="en-US">Property, Plant and Equipment, Net</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentNet" xlink:to="us-gaap_PropertyPlantAndEquipmentNet_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfComprehensiveIncomeLossTableTextBlock_lbl0" xml:lang="en-US">Comprehensive Income (Loss) [Table Text Block]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfComprehensiveIncomeLossTableTextBlock" xlink:to="us-gaap_ScheduleOfComprehensiveIncomeLossTableTextBlock_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_lbl0" xml:lang="en-US">Financial Asset, Equal to or Greater than 90 Days Past Due [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember" xlink:to="us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentTransitionReport_lbl0" xml:lang="en-US">Document Transition Report</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentTransitionReport" xlink:to="dei_DocumentTransitionReport_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestIncomeExpenseNet_lbl0" xml:lang="en-US">Interest Income (Expense), Net</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestIncomeExpenseNet" xlink:to="us-gaap_InterestIncomeExpenseNet_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets_lbl0" xml:lang="en-US">Increase (Decrease) in Prepaid Expense and Other Assets</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets" xlink:to="us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivablesTextBlock_lbl0" xml:lang="en-US">Financing Receivables [Text Block]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivablesTextBlock" xlink:to="us-gaap_FinancingReceivablesTextBlock_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_lbl0" xml:lang="en-US">Net Cash Provided by (Used in) Financing Activities [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:to="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CommonStockValue_lbl0" xml:lang="en-US">Common Stock, Value, Issued</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockValue" xlink:to="us-gaap_CommonStockValue_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityShellCompany_lbl0" xml:lang="en-US">Entity Shell Company</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityShellCompany" xlink:to="dei_EntityShellCompany_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AutomobilesMember_lbl1" xml:lang="en-US">Automobiles [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AutomobilesMember" xlink:to="us-gaap_AutomobilesMember_lbl1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities_lbl0" xml:lang="en-US">Proceeds from Maturities, Prepayments and Calls of Held-to-maturity Securities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities" xlink:to="us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityIncorporationStateCountryCode_lbl0" xml:lang="en-US">Entity Incorporation, State or Country Code</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityIncorporationStateCountryCode" xlink:to="dei_EntityIncorporationStateCountryCode_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_SecurityExchangeName_lbl0" xml:lang="en-US">Security Exchange Name</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SecurityExchangeName" xlink:to="dei_SecurityExchangeName_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressAddressLine1_lbl0" xml:lang="en-US">Entity Address, Address Line One</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AssetsAbstract_lbl0" xml:lang="en-US">Assets [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AssetsAbstract" xlink:to="us-gaap_AssetsAbstract_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_lbl0" xml:lang="en-US">Net Cash Provided by (Used in) Operating Activities [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:to="us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LoansPayable_lbl0" xml:lang="en-US">Loans Payable</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CommitmentsAndContingencies_lbl0" xml:lang="en-US">Commitments and Contingencies</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable_lbl0" xml:lang="en-US">Increase (Decrease) in Income Taxes Payable</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable" xlink:to="us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AssetsFairValueDisclosure_lbl0" xml:lang="en-US">Assets, Fair Value Disclosure</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AssetsFairValueDisclosure" xlink:to="us-gaap_AssetsFairValueDisclosure_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProvisionForLoanLossesExpensed_lbl0" xml:lang="en-US">Financing Receivable, Credit Loss, Expense (Reversal)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProvisionForLoanLossesExpensed" xlink:to="us-gaap_ProvisionForLoanLossesExpensed_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestIncomeSecuritiesMortgageBacked_lbl0" xml:lang="en-US">Interest Income, Securities, Mortgage Backed</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestIncomeSecuritiesMortgageBacked" xlink:to="us-gaap_InterestIncomeSecuritiesMortgageBacked_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseInAdvancePaymentsByBorrowersForTaxesAndInsurance_lbl0" xml:lang="en-US">Increase (Decrease) in Advance Payments by Borrowers for Taxes and Insurance</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInAdvancePaymentsByBorrowersForTaxesAndInsurance" xlink:to="us-gaap_IncreaseDecreaseInAdvancePaymentsByBorrowersForTaxesAndInsurance_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseInDeposits_lbl0" xml:lang="en-US">Increase (Decrease) in Deposits</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInDeposits" xlink:to="us-gaap_IncreaseDecreaseInDeposits_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_Liabilities_lbl0" xml:lang="en-US">Liabilities</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_Security12bTitle_lbl0" xml:lang="en-US">Title of 12(b) Security</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_HeldToMaturitySecurities_lbl0" xml:lang="en-US">Debt Securities, Held-to-Maturity, Amortized Cost, before Allowance for Credit Loss</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_HeldToMaturitySecurities" xlink:to="us-gaap_HeldToMaturitySecurities_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_SupplementalCashFlowInformationAbstract_lbl0" xml:lang="en-US">Supplemental Cash Flow Information [Abstract]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_SubstandardMember_lbl0" xml:lang="en-US">Substandard [Member]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ForeclosedRealEstateExpense_lbl0" xml:lang="en-US">Foreclosed Real Estate Expense</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LoansHeldForSaleFairValueDisclosure_lbl0" xml:lang="en-US">Loans Held-for-sale, Fair Value Disclosure</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus_lbl0" xml:lang="en-US">Financing Receivable, Nonaccrual</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock_lbl0" xml:lang="en-US">Financing Receivable, Troubled Debt Restructuring [Table Text Block]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FederalHomeLoanBankAdvancesLongTerm_lbl0" xml:lang="en-US">Long-term Federal Home Loan Bank Advances</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivities_lbl0" xml:lang="en-US">Net Cash Provided by (Used in) Investing Activities</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="srt_MultifamilyMember_lbl0" xml:lang="en-US">Multifamily [Member]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityRegistrantName_lbl0" xml:lang="en-US">Entity Registrant Name</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CashAndCashEquivalentsAtCarryingValue_lbl0" xml:lang="en-US">Cash and Cash Equivalents, at Carrying Value</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestAndDividendIncomeOperating_lbl0" xml:lang="en-US">Interest and Dividend Income, Operating</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYieldAccretion_lbl0" xml:lang="en-US">Certain Loans Acquired in Transfer Accounted for as Debt Securities, Accretable Yield, Accretion</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_AmendmentFlag_lbl0" xml:lang="en-US">Amendment Flag</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DoubtfulMember_lbl0" xml:lang="en-US">Doubtful [Member]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StockholdersEquityAbstract_lbl0" xml:lang="en-US">Stockholders&apos; Equity Attributable to Parent [Abstract]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityCentralIndexKey_lbl0" xml:lang="en-US">Entity Central Index Key</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax_lbl0" xml:lang="en-US">OCI, Debt Securities, Available-for-Sale, Unrealized Holding Gain (Loss), before Adjustment, after Tax</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtSecurities_lbl1" xml:lang="en-US">Debt Securities, Available-for-sale</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LoansReceivableFairValueDisclosure_lbl0" xml:lang="en-US">Loans Receivable, Fair Value Disclosure</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FederalFundsSoldAndSecuritiesPurchasedUnderAgreementsToResell_lbl0" xml:lang="en-US">Federal Funds Sold and Securities Purchased under Agreements to Resell</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CarryingReportedAmountFairValueDisclosureMember_lbl0" xml:lang="en-US">Reported Value Measurement [Member]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_HomeEquityLoanMember_lbl1" xml:lang="en-US">Home Equity Loan [Member]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_HeldToMaturitySecuritiesFairValue_lbl0" xml:lang="en-US">Debt Securities, Held-to-maturity, Fair Value</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_lbl0" xml:lang="en-US">New Accounting Pronouncements, Policy [Policy Text Block]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_BankOwnedLifeInsuranceIncome_lbl0" xml:lang="en-US">Bank Owned Life Insurance Income</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_CurrentFiscalYearEndDate_lbl0" xml:lang="en-US">Current Fiscal Year End Date</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProceedsFromFederalHomeLoanBankAdvances_lbl0" xml:lang="en-US">Proceeds from FHLBank Advance, Investing Activities</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock_lbl0" xml:lang="en-US">Schedule of Accumulated Other Comprehensive Income (Loss) [Table Text Block]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ConsolidationPolicyTextBlock_lbl0" xml:lang="en-US">Consolidation, Policy [Policy Text Block]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings_lbl0" xml:lang="en-US">Payments of FHLBank Borrowings, Financing Activities</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PreferredStockParOrStatedValuePerShare_lbl0" xml:lang="en-US">Preferred Stock, Par or Stated Value Per Share</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PreferredStockParOrStatedValuePerShare" xlink:to="us-gaap_PreferredStockParOrStatedValuePerShare_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CertainLoansAndDebtSecuritiesAcquiredInTransferAllowanceForCreditLossesDueToSubsequentImpairment_lbl0" xml:lang="en-US">Certain Loans and Debt Securities Acquired in Transfer, Allowance for Credit Losses Due to Subsequent Impairment</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CertainLoansAndDebtSecuritiesAcquiredInTransferAllowanceForCreditLossesDueToSubsequentImpairment" xlink:to="us-gaap_CertainLoansAndDebtSecuritiesAcquiredInTransferAllowanceForCreditLossesDueToSubsequentImpairment_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestExpenseBorrowings_lbl0" xml:lang="en-US">Interest Expense, Borrowings</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_lbl0" xml:lang="en-US">Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NoninterestExpenseAbstract_lbl0" xml:lang="en-US">Noninterest Expense [Abstract]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherComprehensiveIncomeLossTransfersFromHeldToMaturityToAvailableForSaleSecuritiesNetOfTax_lbl1" xml:lang="en-US">OCI, Debt Securities, Available-for-Sale, Transfer from Held-to-Maturity, Gain (Loss), before Adjustment, after Tax</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ResidentialMortgageBackedSecuritiesMember_lbl0" xml:lang="en-US">Residential Mortgage Backed Securities [Member]</label>
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