Kentucky First Federal Bancorp — Form 8-K

For the 12 months ended June 30, 2026, Kentucky First Federal Bancorp reported net income of $1.9M ($0.24 diluted EPS) vs. $181K ($0.02 EPS) prior year—a $1.7M increase. Q3 2026 net income was $680K ($0.08 EPS) vs. $176K ($0.02 EPS) prior year. Gains driven by net interest income growth of $2.8M (33.2% YoY) due to 62 bps increase in average rate earned on assets and 52 bps decrease in average cost of deposits. The Office of the Comptroller of the Currency terminated its formal written agreement with subsidiary First Federal Savings Bank of Kentucky, yielding lower FDIC insurance premiums ($34K reduction in Q3). Total assets declined 2.4% to $362.4M; deposits fell $16.7M (6.0%) to $260.8M; shareholders' equity rose $1.9M (4.0%) to $50.3M. Book value per share: $6.22 (vs. $5.98 prior year).