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  <xs:element name="PrincipalRepaidAndRefinancedDuringTheYear" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_PrincipalRepaidAndRefinancedDuringTheYear"/>
  <xs:element name="SecuritiesDetailsScheduleofGrossUnrealizedorUnrecognizedGainsandLossesTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="kffb_SecuritiesDetailsScheduleofGrossUnrealizedorUnrecognizedGainsandLossesTable"/>
  <xs:element name="SecuritiesDetailsScheduleofGrossUnrealizedorUnrecognizedGainsandLossesLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_SecuritiesDetailsScheduleofGrossUnrealizedorUnrecognizedGainsandLossesLineItems"/>
  <xs:element name="LoansDetailsScheduleofLoanPortfolioTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="kffb_LoansDetailsScheduleofLoanPortfolioTable"/>
  <xs:element name="LoansDetailsScheduleofLoanPortfolioLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_LoansDetailsScheduleofLoanPortfolioLineItems"/>
  <xs:element name="ResidentialRealEstateFamilyDomainDomain" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_ResidentialRealEstateFamilyDomainDomain"/>
  <xs:element name="FinancingReceivableAllowanceForCreditLossDomainDomain" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_FinancingReceivableAllowanceForCreditLossDomainDomain"/>
  <xs:element name="LoansDetailsScheduleofAmortizedCostBasisofCollateralDependentLoansbyPortfolioClassTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="kffb_LoansDetailsScheduleofAmortizedCostBasisofCollateralDependentLoansbyPortfolioClassTable"/>
  <xs:element name="LoansDetailsScheduleofAmortizedCostBasisofCollateralDependentLoansbyPortfolioClassLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_LoansDetailsScheduleofAmortizedCostBasisofCollateralDependentLoansbyPortfolioClassLineItems"/>
  <xs:element name="LoansDetailsScheduleofAllowanceforLoanLossesandtheRecordedInvestmentinLoansTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="kffb_LoansDetailsScheduleofAllowanceforLoanLossesandtheRecordedInvestmentinLoansTable"/>
  <xs:element name="LoansDetailsScheduleofAllowanceforLoanLossesandtheRecordedInvestmentinLoansLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_LoansDetailsScheduleofAllowanceforLoanLossesandtheRecordedInvestmentinLoansLineItems"/>
  <xs:element name="LoansDetailsScheduleofImpairedLoansbyClassofLoansTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="kffb_LoansDetailsScheduleofImpairedLoansbyClassofLoansTable"/>
  <xs:element name="ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalanceAndRecordedInvestment" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalanceAndRecordedInvestment"/>
  <xs:element name="ImpairedFinancingReceivablesWithNoRelatedAllowanceForLoanLossesAllocated" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_ImpairedFinancingReceivablesWithNoRelatedAllowanceForLoanLossesAllocated"/>
  <xs:element name="ImpairedFinancingReceivablesWithNoRelatedAllowanceAverageRecordedInvestment" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_ImpairedFinancingReceivablesWithNoRelatedAllowanceAverageRecordedInvestment"/>
  <xs:element name="ImpairedFinancingReceivablesWithNoRelatedAllowanceInterestIncomeAccrualMethod" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_ImpairedFinancingReceivablesWithNoRelatedAllowanceInterestIncomeAccrualMethod"/>
  <xs:element name="ImpairedFinancingReceivablesWithNoRelatedAllowanceInterestIncomeCashBasisMethod" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_ImpairedFinancingReceivablesWithNoRelatedAllowanceInterestIncomeCashBasisMethod"/>
  <xs:element name="ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalanceAndRecordedInvestment" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalanceAndRecordedInvestment"/>
  <xs:element name="ImpairedFinancingReceivablesWithRelatedAllowanceForLoanLossesAllocated" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_ImpairedFinancingReceivablesWithRelatedAllowanceForLoanLossesAllocated"/>
  <xs:element name="ImpairedFinancingReceivablesWithRelatedAllowanceAverageRecordedInvestment" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_ImpairedFinancingReceivablesWithRelatedAllowanceAverageRecordedInvestment"/>
  <xs:element name="ImpairedFinancingReceivablesWithRelatedAllowanceInterestIncomeAccrualMethod" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_ImpairedFinancingReceivablesWithRelatedAllowanceInterestIncomeAccrualMethod"/>
  <xs:element name="ImpairedFinancingReceivablesWithRelatedAllowanceInterestIncomeCashBasisMethod" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_ImpairedFinancingReceivablesWithRelatedAllowanceInterestIncomeCashBasisMethod"/>
  <xs:element name="FinancingReceivablesRecordedInvestmentPastDue" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_FinancingReceivablesRecordedInvestmentPastDue"/>
  <xs:element name="FinancingReceivablesRecordedInvestmentCurrent" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_FinancingReceivablesRecordedInvestmentCurrent"/>
  <xs:element name="LoansAndLeasesReceivableGrossCarryingAmount1" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_LoansAndLeasesReceivableGrossCarryingAmount1"/>
  <xs:element name="FinancialReceivablePass" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_FinancialReceivablePass"/>
  <xs:element name="FinancialReceivablesSpecialMention" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_FinancialReceivablesSpecialMention"/>
  <xs:element name="FinancialReceivablesSubstandard" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_FinancialReceivablesSubstandard"/>
  <xs:element name="FinancialReceivablesDoubtfuls" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_FinancialReceivablesDoubtfuls"/>
  <xs:element name="AllowanceforCreditLossLoansRecoveries" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_AllowanceforCreditLossLoansRecoveries"/>
  <xs:element name="AllowanceforCreditLossLoansChargedOff" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_AllowanceforCreditLossLoansChargedOff"/>
  <xs:element name="CreditLossesForUnfundedLiabilities" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_CreditLossesForUnfundedLiabilities"/>
  <xs:element name="ProvisionForRecoveryOfCreditLossesOnLoans" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_ProvisionForRecoveryOfCreditLossesOnLoans"/>
  <xs:element name="LoansChargedOff" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_LoansChargedOff"/>
  <xs:element name="LoansDetailsScheduleofPurchasedLoansTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="kffb_LoansDetailsScheduleofPurchasedLoansTable"/>
  <xs:element name="LoansDetailsScheduleofPurchasedLoansLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_LoansDetailsScheduleofPurchasedLoansLineItems"/>
  <xs:element name="LoansAndLeasesReceivablesImpairedInterestLostOnNonaccrualLoans" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_LoansAndLeasesReceivablesImpairedInterestLostOnNonaccrualLoans"/>
  <xs:element name="CertainLoanAcquiredInTransferAccretableYield" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_CertainLoanAcquiredInTransferAccretableYield"/>
  <xs:element name="CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritieAccretableYieldAccretion" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritieAccretableYieldAccretion"/>
  <xs:element name="DeferredTaxAssetsUnfundedCommitments" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_DeferredTaxAssetsUnfundedCommitments"/>
  <xs:element name="DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsFairValueAccountingAdjustmentsAtAcquisition" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsFairValueAccountingAdjustmentsAtAcquisition"/>
  <xs:element name="DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_DeferredTaxLiabilitiesFederalHomeLoanBankStockDividends"/>
  <xs:element name="DeferredTaxLiabilitiesFairValueAccountingAdjustmentsOnAcquisition" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_DeferredTaxLiabilitiesFairValueAccountingAdjustmentsOnAcquisition"/>
  <xs:element name="PaymentsForTreasuryStockPurchases" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_PaymentsForTreasuryStockPurchases"/>
  <xs:element name="SummaryofSignificantAccountingPoliciesDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="kffb_SummaryofSignificantAccountingPoliciesDetailsTable"/>
  <xs:element name="SummaryofSignificantAccountingPoliciesDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_SummaryofSignificantAccountingPoliciesDetailsLineItems"/>
  <xs:element name="ResidentialLoans" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_ResidentialLoans"/>
  <xs:element name="OtherLoans" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_OtherLoans"/>
  <xs:element name="NonAccrualLoans" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_NonAccrualLoans"/>
  <xs:element name="NonaccrualLoansAndLoansTermDue" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_NonaccrualLoansAndLoansTermDue"/>
  <xs:element name="MortgageLoans" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_MortgageLoans"/>
  <xs:element name="PrivateMortgageInsurance" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_PrivateMortgageInsurance"/>
  <xs:element name="BorrowUpPercentage" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_BorrowUpPercentage"/>
  <xs:element name="LoanToValueRation" type="dtr:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="kffb_LoanToValueRation"/>
  <xs:element name="LoansTerm" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_LoansTerm"/>
  <xs:element name="LoansSecuredPercentage" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_LoansSecuredPercentage"/>
  <xs:element name="FixedAssetsHeldForSale" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_FixedAssetsHeldForSale"/>
  <xs:element name="AdjustmentToAllowanceForLoanLosses" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_AdjustmentToAllowanceForLoanLosses"/>
  <xs:element name="SecuritiesDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="kffb_SecuritiesDetailsTable"/>
  <xs:element name="SecuritiesDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_SecuritiesDetailsLineItems"/>
  <xs:element name="DebtSecuritiesUnrealizedLossPositionPercentage" type="dtr:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="kffb_DebtSecuritiesUnrealizedLossPositionPercentage"/>
  <xs:element name="OvernightDeposits" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_OvernightDeposits"/>
  <xs:element name="LoansDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="kffb_LoansDetailsTable"/>
  <xs:element name="DeferredLoanFees" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_DeferredLoanFees"/>
  <xs:element name="InvestmentNonAccrualLoansPastDueTerm" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_InvestmentNonAccrualLoansPastDueTerm"/>
  <xs:element name="AdvancesfromtheFederalHomeLoanBankDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="kffb_AdvancesfromtheFederalHomeLoanBankDetailsTable"/>
  <xs:element name="IncomeTaxesDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="kffb_IncomeTaxesDetailsTable"/>
  <xs:element name="StateNetOperatingLossIsCarriedForwardIndefinitely" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_StateNetOperatingLossIsCarriedForwardIndefinitely"/>
  <xs:element name="FederalNetOperatingLossOfCarriedForwardIndefinitely" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="kffb_FederalNetOperatingLossOfCarriedForwardIndefinitely"/>
  <xs:element name="StockholdersEquityandRegulatoryCapitalDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="kffb_StockholdersEquityandRegulatoryCapitalDetailsTable"/>
  <xs:element name="CommonEquityTierOneCapitals" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_CommonEquityTierOneCapitals"/>
  <xs:element name="TierOneCapitalRatioOfAtLeast" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_TierOneCapitalRatioOfAtLeast"/>
  <xs:element name="CapitalRatioOfAtLeast" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_CapitalRatioOfAtLeast"/>
  <xs:element name="LeverageRatioOfAtLeast" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_LeverageRatioOfAtLeast"/>
  <xs:element name="AverageTotalConsolidatedAssets" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="kffb_AverageTotalConsolidatedAssets"/>
  <xs:element name="LeverageRatio" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_LeverageRatio"/>
  <xs:element name="PercentageOfChangesTemporarily" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_PercentageOfChangesTemporarily"/>
  <xs:element name="PercentageOfTransitionTemporary" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_PercentageOfTransitionTemporary"/>
  <xs:element name="PercentageOfTemporaryCBLR" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_PercentageOfTemporaryCBLR"/>
  <xs:element name="PercentageOfMinimumCBLR" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_PercentageOfMinimumCBLR"/>
  <xs:element name="PercentageOfCommonEquityTierOneRiskBasedCapitalRatio" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_PercentageOfCommonEquityTierOneRiskBasedCapitalRatio"/>
  <xs:element name="PercentageOfTierOneRiskBasedCapitalRatio" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_PercentageOfTierOneRiskBasedCapitalRatio"/>
  <xs:element name="PercentageOfTotalRiskBasedCapitalRatio" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_PercentageOfTotalRiskBasedCapitalRatio"/>
  <xs:element name="PercentageOfTierOneLeverageRatio" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_PercentageOfTierOneLeverageRatio"/>
  <xs:element name="PercentageOfBankingRegulationTotalRisksBasedCapitalRatioUnderCapitalizedMinimum" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_PercentageOfBankingRegulationTotalRisksBasedCapitalRatioUnderCapitalizedMinimum"/>
  <xs:element name="FinancingReceivableAllowanceForCreditLossAxis" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:dimensionItem" id="kffb_FinancingReceivableAllowanceForCreditLossAxis"/>
  <xs:element name="ResidentialRealEstateFamilyAxis" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:dimensionItem" id="kffb_ResidentialRealEstateFamilyAxis"/>
  <xs:element name="AFTAPMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_AFTAPMember"/>
  <xs:element name="AgencyMortgageBackedResidentialMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_AgencyMortgageBackedResidentialMember"/>
  <xs:element name="AmortizedCostBasisMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_AmortizedCostBasisMember"/>
  <xs:element name="AsReportedUnderASC326Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_AsReportedUnderASC326Member"/>
  <xs:element name="CarryingValueMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_CarryingValueMember"/>
  <xs:element name="CommercialAndIndustrialLoansMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_CommercialAndIndustrialLoansMember"/>
  <xs:element name="CommercialAndIndustrialMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_CommercialAndIndustrialMember"/>
  <xs:element name="CommercialNonmortgageMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_CommercialNonmortgageMember"/>
  <xs:element name="CommitmentsToFundRealEstateConstructionLoansMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_CommitmentsToFundRealEstateConstructionLoansMember"/>
  <xs:element name="ConsumerAndOtherMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_ConsumerAndOtherMember"/>
  <xs:element name="ConsumerLendingMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_ConsumerLendingMember"/>
  <xs:element name="ContributedEmployeeStockOwnershipPlanESOPMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_ContributedEmployeeStockOwnershipPlanESOPMember"/>
  <xs:element name="EndingAllowanceAttributedToLoansMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_EndingAllowanceAttributedToLoansMember"/>
  <xs:element name="EndingAllowanceOnCollateralDependentLoansMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_EndingAllowanceOnCollateralDependentLoansMember"/>
  <xs:element name="EndingLoansBalanceMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_EndingLoansBalanceMember"/>
  <xs:element name="FairValueMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_FairValueMember"/>
  <xs:element name="FarmLoanMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_FarmLoanMember"/>
  <xs:element name="FarmMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_FarmMember"/>
  <xs:element name="FederalNetOperatingLossCarryforwardMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_FederalNetOperatingLossCarryforwardMember"/>
  <xs:element name="FederalReserveBankDiscountWindowMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_FederalReserveBankDiscountWindowMember"/>
  <xs:element name="FirstFederalOfHazardMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_FirstFederalOfHazardMember"/>
  <xs:element name="FirstFederalOfKentuckyMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_FirstFederalOfKentuckyMember"/>
  <xs:element name="FirstFederalSavingsAndLoanAssociationOfHazardMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_FirstFederalSavingsAndLoanAssociationOfHazardMember"/>
  <xs:element name="FirstFederalSavingsBankOfKentuckyMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_FirstFederalSavingsBankOfKentuckyMember"/>
  <xs:element name="FixedMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_FixedMember"/>
  <xs:element name="FrankfortFirstMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_FrankfortFirstMember"/>
  <xs:element name="HomeEquityLoansMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_HomeEquityLoansMember"/>
  <xs:element name="HomesEquityMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_HomesEquityMember"/>
  <xs:element name="ImpactOfASC326AdoptionMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_ImpactOfASC326AdoptionMember"/>
  <xs:element name="KentuckyFirstFederalBancorpMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_KentuckyFirstFederalBancorpMember"/>
  <xs:element name="LandLoanMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_LandLoanMember"/>
  <xs:element name="LettersOfCreditMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_LettersOfCreditMember"/>
  <xs:element name="LoansAcquiredWithDeterioratedCreditQualityMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_LoansAcquiredWithDeterioratedCreditQualityMember"/>
  <xs:element name="LoansCollectivelyEvaluatedForImpairmentMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_LoansCollectivelyEvaluatedForImpairmentMember"/>
  <xs:element name="LoansIndividuallyAndCollectivelyEvaluatedForImpairmentMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_LoansIndividuallyAndCollectivelyEvaluatedForImpairmentMember"/>
  <xs:element name="LoansIndividuallyEvaluatedForImpairmentMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_LoansIndividuallyEvaluatedForImpairmentMember"/>
  <xs:element name="LoansIndividuallyEvaluatedMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_LoansIndividuallyEvaluatedMember"/>
  <xs:element name="LoansNotPastDueMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_LoansNotPastDueMember"/>
  <xs:element name="LoansOnDepositsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_LoansOnDepositsMember"/>
  <xs:element name="MultiFamilyMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_MultiFamilyMember"/>
  <xs:element name="MultifamilyAndNonresidentialLoansMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_MultifamilyAndNonresidentialLoansMember"/>
  <xs:element name="NonaccrualMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_NonaccrualMember"/>
  <xs:element name="NonresidentialRealEstateMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_NonresidentialRealEstateMember"/>
  <xs:element name="OneToFourFamilyMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_OneToFourFamilyMember"/>
  <xs:element name="OneToFourfamilyOneMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_OneToFourfamilyOneMember"/>
  <xs:element name="OneToFourfamilyResidentialRealEstateMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_OneToFourfamilyResidentialRealEstateMember"/>
  <xs:element name="OtherMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_OtherMember"/>
  <xs:element name="PreASC326AdoptionMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_PreASC326AdoptionMember"/>
  <xs:element name="ResidentialRealEstateConstructionMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_ResidentialRealEstateConstructionMember"/>
  <xs:element name="ResidentialRealEstateMultiFamilyMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_ResidentialRealEstateMultiFamilyMember"/>
  <xs:element name="ResidentialRealEstateOneToFourFamilyMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_ResidentialRealEstateOneToFourFamilyMember"/>
  <xs:element name="RevolvingOpenendLinesSecuredByRealEstateMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_RevolvingOpenendLinesSecuredByRealEstateMember"/>
  <xs:element name="ShareLoansMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_ShareLoansMember"/>
  <xs:element name="StateNetOperatingLossCarryforwardMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_StateNetOperatingLossCarryforwardMember"/>
  <xs:element name="TaxYear2036Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_TaxYear2036Member"/>
  <xs:element name="TreasurySharesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_TreasurySharesMember"/>
  <xs:element name="TroubledDebtRestructuringMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_TroubledDebtRestructuringMember"/>
  <xs:element name="UnearnedEmployeeStockOwnershipPlanESOPMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_UnearnedEmployeeStockOwnershipPlanESOPMember"/>
  <xs:element name="UnsecuredLoanMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_UnsecuredLoanMember"/>
  <xs:element name="UnsecuredMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_UnsecuredMember"/>
  <xs:element name="VariableMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_VariableMember"/>
  <xs:element name="DocumentAndEntityInformationAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="kffb_DocumentAndEntityInformationAbstract"/>
</xs:schema>
