Kentucky First Federal Bancorp reported net income of USD 0.65 million, or USD 0.08 diluted earnings per share, for the half year ended December 31, 2025. This represents an increase of USD 0.65 million compared to the same period in 2024. For the three months ended December 31, 2025, net income was USD 0.30 million, or USD 0.04 diluted earnings per share, up by more than 20 times compared to the prior year quarter. Net interest income for the half year rose by 32.1 percent to USD 5.2 million, driven primarily by higher interest income and reduced interest expense. The effective tax rate for the half year was 24.1 percent. Non-interest expense increased, partially offsetting gains in net interest income. The company also reported USD 44,000 in earnings on bank-owned life insurance, which is non-taxable. The management highlighted that the improved results were primarily attributable to increased net interest income. Kentucky First Federal Bancorp continues to address deficiencies identified by the Office of the Comptroller of the Currency and is working to meet individual minimum capital requirements imposed by the regulator.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Kentucky First Federal Bancorp published the original content used to generate this news brief via EDGAR, the Electronic Data Gathering, Analysis, and Retrieval system operated by the U.S. Securities and Exchange Commission (Ref. ID: 0001213900-26-016540), on February 13, 2026, and is solely responsible for the information contained therein.