Form 8-K

8-K — Kentucky First Federal Bancorp

Accession: 0001213900-26-055573

Filed: 2026-05-13

Period: 2026-05-11

CIK: 0001297341

SIC: 6035 (SAVINGS INSTITUTION, FEDERALLY CHARTERED)

Item: Results of Operations and Financial Condition

Item: Financial Statements and Exhibits

Documents

8-K — ea0290545-8k_kentucky.htm (Primary)

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, DC 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities

Exchange Act of 1934

Date of Report (Date of earliest event reported):

May 11, 2026

KENTUCKY FIRST FEDERAL BANCORP

(Exact Name of Registrant as Specified in Its Charter)

United States

0-51176

61-1484858

(State or other jurisdiction of

(Commission

(IRS Employer

incorporation or organization)

File Number)

Identification No.)

655 Main Street, Hazard, Kentucky

41702

(Address of principal executive offices)

(Zip Code)

(502) 223-1638

(Registrant’s telephone number, including

area code)

Not Applicable

(Former name or former address, if changed since

last report)

Check the appropriate box below if the Form 8-K

filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐

Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Indicate by check mark whether the registrant

is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities

Exchange Act of 1934 (17 CFR §240.12b-2).

Emerging growth company ☐

If an emerging growth company, indicate by check

mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting

standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Securities registered pursuant to Section 12(b)

of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common Stock, $0.01 par value per share

KFFB

The NASDAQ Stock Market LLC

Item 2.02

Results of Operations and Financial Condition

On May 11, 2025, Kentucky

First Federal Bancorp (the “Company”) announced its unaudited financial results for the nine and three months ended March

31, 2026. For more information, see the Company’s press release dated May 11, 2026, which is filed as Exhibit 99.1 hereto and is

incorporated herein by reference.

Item 9.01

Financial Statements and Exhibits

(a)

Not applicable

(b)

Not applicable

(c)

Not applicable

The following exhibit is filed herewith:

99.1

Press Release dated May 11, 2026

104

Cover Page Interactive Data File (formatted as Inline XBRL)

SIGNATURES

Pursuant to the requirements

of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto

duly authorized.

KENTUCKY FIRST FEDERAL BANCORP

Date: May 13, 2026

By:

/s/ Tyler Eades

Tyler Eades

Vice President and Chief Finance Officer

EX-99.1 — PRESS RELEASE DATED MAY 11, 2026

EX-99.1

Filename: ea029054501ex99-1.htm · Sequence: 2

Exhibit 99.1

Kentucky First Federal Bancorp

Hazard, Kentucky, Frankfort, Kentucky, Danville, Kentucky and Lancaster,

Kentucky

For Immediate Release May 11, 2026

Contact: Don D. Jennings, President, or Tyler Eades, Vice President

(502) 223-1638

216 West Main Street

P.O. Box 535

Frankfort, KY 40602

Kentucky First Federal Bancorp Reports Earnings

Kentucky First Federal Bancorp (Nasdaq: KFFB), the holding company

(the “Company”) for First Federal Savings and Loan Association of Hazard and First Federal Savings Bank of Kentucky, Frankfort,

Kentucky, announced net income of $581,000 or $0.07 diluted earnings per share for the three months ended March 31, 2026, compared to

net income of $7,000 or $0.00 diluted earnings per share for the three months ended March 31, 2025, an increase of $574,000. Net earnings

were $1.2 million or $0.15 diluted earnings per share for the nine months ended Mach 31, 2026 compared to net earnings of $5,000 or $0.00

diluted earnings per share for the nine months ended March 31, 2025, an increase of $1.2 million.

The increase in net earnings for the quarter ended March 31, 2026 was

primarily attributable to higher net interest income. Net interest income increased $736,000 or 34.5% to $2.9 million due to increased

interest income and decreased interest expense from period to period. Interest income increased $411,000 or 8.5% to $5.3 million, while

interest expense decreased $325,000 or 12.0% to $2.4 million for the recently-ended quarter.

Interest income increased for the comparable quarterly periods due

to an increase in the average rate earned on interest-earning assets, which increased 48 basis points to 5.76%. Average interest-earning

assets decreased $2.2 million or 0.6% to $365.1 million for the recently-ended quarterly period. The average rate earned on assets was

due primarily to an increase in the rate earned on loans, which was the result of new loan production carrying higher interest rates and

adjustable rate mortgages continuing to reprice upward. Interest expense decreased for the comparable quarterly periods due to a decrease

in the average balance of interest-bearing liabilities as well as a decrease in the average rate paid on those funds. Average interest-bearing

liabilities decreased $3.8 million or 1.2% to $312.9 million for the quarterly period just ended, while the average rate paid decreased

37 basis points to 3.06% for the period.

Non-interest income increased $58,000 or 71.6% and totaled $139,000

for the three months ended March 31, 2026.

Non-interest expense increased $34,000 or 1.6%

to $2.2 million for the three months ended March 31, 2026 primarily due to employee compensation and benefits expense increasing $79,000

or 6.5% primarily due to annual performance-based adjustments and higher health insurance costs. Data processing expense also increased

$64,000 or 35.6%. This was slightly offset by outside service fees decreasing $36,000 or 23.5% in the same period.

The increase in net earnings on a nine-month basis was primarily attributable

to increased net interest income and higher non-interest income, which were partially offset by increased non-interest expense and increased

provision for income tax.

Net interest income increased $2.0 million or

33.0% to $8.0 million due to increased interest income and decreased interest expense from period to period. Interest income increased

$1.2 million, or 8.7% to $15.5 million, while interest expense decreased $754,000 or 9.2% to $7.5 million for the recently-ended nine

month period. Non-interest income increased $81,000 or 20.8% year over year primarily due to increased net gains on sales of loans, while

provision for loan loss increased $15,000 or 41.7% to $51,000 for the nine months ended March 31, 2026. Non-interest expense increased

$446,000 or 7.0% to $6.8 million for the nine months ended March 31, 2026, due primarily to data processing expense increasing $244,000

or 54.1%. Employee compensation and benefits also increased $198,000 or 5.5%. Outside service fees increased $134,000 or 35.5% for the

nine months ended March 31, 2026 compared to March 31, 2025. This was slightly offset by regulatory assessment expense decreasing $18,000

or 25.4% in the same period. Income tax expense increased $386,000 as a result of higher pre-tax earnings.

At March 31, 2026, assets totaled $374.5 million, an increase of $3.3

million or 0.9%, from $371.2 million at June 30, 2025, due primarily to an increase in cash and cash equivalents of $1.8 million or 9.3%

and totaled $21.3 million. Loans, net, totaled $328.2 million, an increase of $975,000 or 0.3%, as well as an increase in investment securities

of $480,000 or 4.8% compared to June 30, 2025. Total liabilities increased $2.0 million or 0.6% to $324.9 million at March 31, 2026. FHLB

advances increased $6.2 million or 14.4% to $48.9 million to fund the growth in assets. Deposits decreased $3.9 million or 1.4% to $273.7

million primarily related to a decrease in savings accounts associated with distributions of funds in administration of various estate

accounts.

At March 31, 2026, the Company reported its book value per share as

$6.14. Shareholders’ equity increased $1.3 million or 2.7% to $49.7 million at March 31, 2026 compared to June 30, 2025. The increase

in shareholders’ equity was primarily associated with net earnings during the period, as well as accumulated other comprehensive

loss decreasing $60,000 at March 31, 2026 compared to June 30, 2025. Unrealized losses on our investment portfolio continued to decrease

during the recently-ended period.

Forward-Looking Statements

This press release may contain statements that are forward-looking,

as that term is defined by the Private Securities Litigation Act of 1995 or the Securities and Exchange Commission in its rules, regulations

and releases. The Company intends that such forward-looking statements be subject to the safe harbors created thereby. These forward-looking

statements may be identified by the use of words such as “believe,” “expect,” “anticipate,” “plan,”

“estimate,” “intend” and “potential,” or words of similar meaning, or future or conditional verbs

such as “should,” “could,” or “may.” Forward-looking statements include statements of our goals, intentions

and expectations; statements regarding our business plans, prospects, growth and operating strategies; statements regarding the quality

of our loan and investment portfolios; and estimates of our risks and future costs and benefits. Kentucky First Federal Bancorp’s

actual results, performance or achievements may materially differ from those expressed or implied in the forward-looking statements. Risks

and uncertainties that could cause or contribute to such material differences include, but are not limited to, general economic conditions;

prices for real estate in the Company’s market areas; the interest rate environment and the impact of the interest rate environment

on our business, financial condition and results of operations; our ability to successfully execute our strategy to increase earnings,

increase core deposits, reduce reliance on higher cost funding sources and shift more of our loan portfolio towards higher-earning loans;

our ability to pay future dividends and if so at what level; our ability to receive any required regulatory approval or non-objection

to pay dividends to shareholders; our ability to pay dividends from First Federal Savings and Loan Association of Hazard and First Federal

Savings Bank of Kentucky to the Company in order for the Company to pay dividends to shareholders; the ability of First Federal MHC to

receive approval of its members to waive the payment of any Company dividends to First Federal MHC; competitive conditions in the financial

services industry; changes in the level of inflation; the impacts of tariffs, sanctions and other trade policies of the United States

and its global trading counterparts; changes in the demand for loans, deposits and other financial services that we provide; the possibility

that future credit losses may be higher than currently expected; competitive pressures among financial services companies; the ability

to attract, develop and retain qualified employees; our ability to maintain the security of our data processing and information technology

systems; the outcome of pending or threatened litigation, or of matters before regulatory agencies; changes in law, governmental policies

and regulations, rapidly changing technology affecting financial services, and the other matters mentioned in Item 1A of the Company’s

Annual Report on Form 10-K for the year ended June 30, 2025. Except as required by applicable law or regulation, the Company does not

undertake the responsibility, and specifically disclaims any obligation, to release publicly the result of any revisions that may be made

to any forward-looking statements to reflect events or circumstances after the date of the statements or to reflect the occurrence of

anticipated or unanticipated events.

About Kentucky First Federal Bancorp

Kentucky First Federal Bancorp is the parent company of First Federal

Savings and Loan Association of Hazard, which operates one banking office in Hazard, Kentucky, and First Federal Savings Bank of Kentucky,

which operates three banking offices in Frankfort, Kentucky, two banking offices in Danville, Kentucky and one banking office in Lancaster,

Kentucky. Kentucky First Federal Bancorp shares are traded on the Nasdaq National Market under the symbol KFFB. At March 31, 2026, the

Company had approximately 8,086,715 shares outstanding of which approximately 58.5% was held by First Federal MHC.

SUMMARY OF FINANCIAL HIGHLIGHTS

Condensed Consolidated Balance Sheets

(In thousands, except share data)

March 31,

2026

June 30,

2025

(Unaudited)

ASSETS

Cash and cash equivalents

$ 21,296

$ 19,480

Investment Securities

10,408

9,928

Loans available-for sale

662

877

Loans, net

328,223

327,248

Other Assets

13,952

13,678

Total Assets

$ 374,541

$ 371,211

LIABILITIES AND SHAREHOLDERS’ EQUITY

Deposits

$ 273,689

$ 277,563

FHLB Advances

48,937

42,760

Other Liabilities

2,257

2,519

Total liabilities

324,883

322,842

Shareholders’ Equity

49,658

48,369

Total liabilities and shareholders’ equity

$ 374,541

$ 371,211

Book value per share

$ 6.14

$ 5.98

Tangible book value per share

$ 6.14

$ 5.98

Condensed Consolidated Statements of Income

(In thousands, except share data)

Nine months ended

March 31,

Three months ended

March 31,

2026

2025

2026

2025

(Unaudited)

Interest Income

$ 15,485

$ 14,249

$ 5,257

$ 4,846

Interest Expense

7,457

8,211

2,390

2,715

Net Interest Income

8,028

6,038

2,867

2,131

Provision for Credit Losses

Non-interest Income

470

389

139

Non-interest Expense

6,838

6,392

2,210

2,176

Income (Loss) Before Income Taxes

1,609

(1 )

755

Income Taxes (Benefits)

380

(6 )

174

Net Income

$ 1,229

$ 5

$ 581

$ 7

Earnings per share:

Basic and Diluted

$ 0.15

$ 0.00

$ 0.07

$ 0.00

Weighted average outstanding shares:

Basic and Diluted

8,086,715

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