---
schema_version: "secwatch.filing_event.v1"
accession: "0001213900-22-053505"
form_type: "8-K"
ticker: "KFFB"
cik: "0001297341"
company_name: "Kentucky First Federal Bancorp"
filed_at: "2022-09-02T23:59:59+00:00"
generated_at: "2026-06-23T16:17:12.663456+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Kentucky First Federal FY net income $1.6M ($0.19 EPS), down 12.6% YoY; Q4 net $206K ($0.02), down 70.2%

## Summary
- Net interest income decreased 8.5% to $9.2M for FY; Q4 net interest income decreased 19.1% to $2.2M.
- Non-interest expense down 7.0%; provision for loan losses was $60K credit vs $192K expense prior year.
- Assets down 3.0% to $328.1M; loans net down 7.8% to $274.6M; deposits up 5.7% to $239.9M.
- Book value per share $6.38; Community Bank Leverage Ratio at 15.2%, well above 9% minimum.
- Non-interest income fell 13.4% to $515K, primarily due to lower gains on loan sales.

## SEC filing metadata
- accession: 0001213900-22-053505
- form_type: 8-K
- ticker: KFFB
- cik: 0001297341
- company_name: Kentucky First Federal Bancorp
- filed_at: 2022-09-02T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1297341/000121390022053505/0001213900-22-053505-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1297341/000121390022053505/ea165328-8k_kentucky.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001213900-22-053505
- JSON: https://secwatch.observer/filing/0001213900-22-053505.json
- Plain text: https://secwatch.observer/filing/0001213900-22-053505.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.