Actual

For Capital Adequacy
Purposes

(Dollars in thousands)

Amount

Ratio

Amount

Ratio

Community Bank Leverage Ratio:

June 30, 2025

Kentucky First Federal Bancorp

$

48,514

12.9

%

$

33,935

9.0

%

First Federal Savings and Loan Association of Hazard

$

17,921

20.7

%

$

7,775

9.0

%

First Federal Savings Bank of Kentucky

$

29,399

10.0

%

$

26,545

9.0

%

June 30, 2024

Kentucky First Federal Bancorp

$

48,333

13.3

%

$

32,667

9.0

%

First Federal Savings and Loan Association of Hazard

$

18,191

20.4

%

$

8,009

9.0

%

First Federal Savings Bank of Kentucky

$

29,063

10.2

%

$

25,629

9.0

%