First Federal Savings Bank of Kentucky: how it compares with its peers
Against 66 KY banks with half to twice its assets, First Federal Savings Bank of Kentucky's strongest measure in Q2 2026 is assets per employee ($5.9M vs. a $6.1M peer median). Its weakest relative measure is return on assets (0.70% vs. 1.38%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.70% | 1.38% | Bottom third Ahead of 11% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.37% | 4.00% | Bottom third Ahead of 17% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 68.96% | 58.96% | Bottom third Ahead of 26% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.9M | $6.1M | Middle third Ahead of 45% of peers |
| Loans to deposits Net loans and leases over total deposits. | 119.06% | 82.35% | Context |
What it means for lending operations
Its efficiency ratio of 68.96% is above the 58.96% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Farmers Bank Nicholasville, KY · $283M
- Bank of Edmonson County Brownsville, KY · $283M
- United Citizens Bank of Southern Kentucky Columbia, KY · $286M
- Bank of Jamestown Jamestown, KY · $264M
- Hometown Bank of Corbin, Inc. Corbin, KY · $302M
- Citizens Guaranty Bank Richmond, KY · $304M
Questions about First Federal Savings Bank of Kentucky
How big is First Federal Savings Bank of Kentucky?
First Federal Savings Bank of Kentucky, established in 1934, is headquartered in Frankfort, KY. It reported $283M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is First Federal Savings Bank of Kentucky's return on assets?
0.70% annualized in Q2 2026, against a 1.38% median for 66 KY banks with half to twice its assets, ahead of 11% of them.
What is First Federal Savings Bank of Kentucky's efficiency ratio?
68.96% in Q2 2026: it spent about 69 cents in noninterest expense for each dollar of revenue. The peer median is 58.96%, and lower is better.
Is First Federal Savings Bank of Kentucky growing its loans?
Net loans shrank 1.4% over the year to Q2 2026, while deposits shrank 5.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kentucky bank ranked.