{"schema_version":"secwatch.filing_event.v1","accession":"0001213900-26-087795","form_type":"8-K","ticker":"KFFB","cik":"0001297341","company_name":"Kentucky First Federal Bancorp","filed_at":"2026-08-11T20:17:40+00:00","discovered_at":"2026-08-11T20:19:05.361910+00:00","generated_at":"2026-08-11T20:19:14.126488+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Kentucky First Federal Q3 net income $680K vs $176K YoY; EPS $0.08 vs $0.02","bullets":["Q3 2026 net income $680K ($0.08 diluted EPS) vs $176K ($0.02) year ago; FY2026 net income $1.9M ($0.24) vs $181K ($0.02).","Net interest income up 33.9% to $3.1M in Q3; interest income rose 6.4%, interest expense fell 17.2%.","Provision for loan losses increased $183K in Q3 to $237K for FY2026, citing loan repricing and economic uncertainty.","Total assets $362.4M, down 2.4%; deposits $260.8M, down 6.0% due to brokered deposits decline.","Book value per share $6.22; shareholders' equity up 4.0% to $50.3M; FDIC premiums down after OCC agreement termination."],"urls":{"canonical":"https://secwatch.observer/filing/0001213900-26-087795","json":"https://secwatch.observer/filing/0001213900-26-087795.json","markdown":"https://secwatch.observer/filing/0001213900-26-087795.md","text":"https://secwatch.observer/filing/0001213900-26-087795.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1297341/000121390026087795/0001213900-26-087795-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1297341/000121390026087795/ea0301626-8k_kentucky.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-08-11T20:19:14.126488+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}