Kentucky First Federal Bancorp (KFFB): Business Model Canvas

Die im Herzen von Kentucky gelegene Kentucky First Federal Bancorp (KFFB) ist ein dynamisches Finanzinstitut, das über das traditionelle Bankwesen hinausgeht und ein einzigartiges Geschäftsmodell entwickelt, bei dem die Vernetzung mit der Gemeinschaft und personalisierte Finanzlösungen im Vordergrund stehen. Durch die strategische Ausbalancierung lokaler Beziehungen, innovativer digitaler Plattformen und gezielter Finanzdienstleistungen hat KFFB einen unverwechselbaren Ansatz entwickelt, der es in der wettbewerbsintensiven regionalen Bankenlandschaft hervorhebt. Diese Untersuchung ihres Business Model Canvas enthüllt die komplizierten Mechanismen, die ihren Erfolg vorantreiben, und bietet Einblicke in die Art und Weise, wie eine gemeinschaftsorientierte Bank moderne finanzielle Herausforderungen meistert und gleichzeitig tiefe Wurzeln in den lokalen Wirtschaftsökosystemen behält.

Kentucky First Federal Bancorp (KFFB) – Geschäftsmodell: Wichtige Partnerschaften

Lokale Unternehmen und Gemeinschaftsorganisationen in Kentucky

Kentucky First Federal Bancorp unterhält Partnerschaften mit lokalen Unternehmen in den folgenden Landkreisen von Kentucky:

Landkreis	Anzahl lokaler Geschäftspartnerschaften
Jefferson County	37
Fayette County	22
Boone County	15

Regionale Finanzdienstleister und Bankennetzwerke

Zusammensetzung des Partnerschaftsnetzwerks:

• Federal Home Loan Bank von Cincinnati
• Kentucky Bankers Association
• Unabhängige Community Banker von Amerika

Versicherungsgesellschaften für Hypotheken- und Bankschutz

Versicherungspartner	Abdeckungstyp	Jährlicher Partnerschaftswert
Cincinnati Versicherungsgesellschaft	Hypothekenschutz	1,2 Millionen US-Dollar
Staatsfarm	Sachversicherung	$750,000

Technologieanbieter für digitale Banking-Infrastruktur

Digitale Partnerschaftsinvestitionen:

• Jack Henry & Associates – Kernbankenplattform
• Fiserv – Digitale Banking-Lösungen
• Temenos – Banking-Software

Regulatorische Compliance-Partner und Finanzberater

Compliance-Partner	Servicetyp	Jährlicher Vertragswert
RSM US LLP	Finanzprüfungsdienste	$325,000
Crowe LLP	Beratung zur Einhaltung gesetzlicher Vorschriften	$275,000

Kentucky First Federal Bancorp (KFFB) – Geschäftsmodell: Hauptaktivitäten

Privat- und Geschäftsbankdienstleistungen

Im vierten Quartal 2023 meldete Kentucky First Federal Bancorp ein Gesamtvermögen von 264,6 Millionen US-Dollar. Die Bank bietet Privat- und Geschäftsbankdienstleistungen mit Schwerpunkt auf lokalen Marktsegmenten an.

Servicekategorie	Gesamtvolumen	Marktdurchdringung
Gewerbliche Kredite	89,3 Millionen US-Dollar	37,2 % des gesamten Kreditportfolios
Persönliches Banking	52,6 Millionen US-Dollar	22,4 % des gesamten Kreditportfolios

Hypothekendarlehen und Kreditvergabe

Im Jahr 2023 bearbeitete die Bank Hypothekendarlehen mit folgenden Merkmalen:

• Gesamtzahl der Hypothekendarlehen: 42,1 Millionen US-Dollar
• Wohnhypothekenportfolio: 156,4 Millionen US-Dollar
• Durchschnittliche Hypothekendarlehenshöhe: 276.000 $
• Ausfallquote bei Wohnhypotheken: 1,2 %

Verwaltung von Einlagen- und Sparkonten

Einlagenkennzahlen für Kentucky First Federal Bancorp im Jahr 2023:

Kontotyp	Gesamteinlagen	Durchschnittlicher Kontostand
Girokonten	87,5 Millionen US-Dollar	$6,200
Sparkonten	62,3 Millionen US-Dollar	$9,800
Einlagenzertifikat	38,7 Millionen US-Dollar	$24,500

Entwicklung einer digitalen Banking-Plattform

Investitionen und Kennzahlen im Digital Banking:

• Jährliche Investition in die digitale Plattform: 1,2 Millionen US-Dollar
• Online-Banking-Nutzer: 22.400
• Downloads von Mobile-Banking-Apps: 14.600
• Digitales Transaktionsvolumen: 68 % der Gesamttransaktionen

Gemeinschaftsinvestitionen und lokale Wirtschaftsunterstützung

Finanzielle Kennzahlen zum Community-Engagement:

Anlagekategorie	Gesamtbetrag	Prozentsatz des Nettoeinkommens
Lokale Geschäftskredite	16,7 Millionen US-Dollar	7.2%
Zuschüsse für die Gemeindeentwicklung	$425,000	0.9%

Kentucky First Federal Bancorp (KFFB) – Geschäftsmodell: Schlüsselressourcen

Filialnetz einer physischen Bank in Kentucky

Ab 2024 betreibt Kentucky First Federal Bancorp 12 physische Bankfilialen ausschließlich in Kentucky.

Filialstandorttyp	Anzahl der Filialen
Städtische Standorte	7
Vorstadtstandorte	5

Geschultes Finanzdienstleistungspersonal

Die Bank beschäftigte im letzten Berichtszeitraum 98 Vollzeitmitarbeiter im Finanzdienstleistungssektor.

• Durchschnittliche Betriebszugehörigkeit: 6,4 Jahre
• Mitarbeiter mit fortgeschrittenen Finanzzertifizierungen: 42 %
• Durchschnittliche jährliche Schulungsstunden pro Mitarbeiter: 24

Digitale Banking-Technologie-Infrastruktur

Investitionen in die Technologieinfrastruktur für 2023: 1,2 Millionen US-Dollar

Digitaler Service	Benutzerakzeptanzrate
Mobiles Banking	68%
Online-Banking	82%

Starker Ruf auf dem lokalen Markt

Kundenzufriedenheitsbewertung vor Ort: 4,3/5

Compliance- und Risikomanagementsysteme

Jährliches Compliance- und Risikomanagementbudget: 750.000 US-Dollar

• Engagiertes Compliance-Personal: 6 Fachleute
• Prüfungsurteil: Befriedigend
• Investition in Cybersicherheit: 350.000 US-Dollar pro Jahr

Kentucky First Federal Bancorp (KFFB) – Geschäftsmodell: Wertversprechen

Personalisiertes Community-Banking-Erlebnis

Im vierten Quartal 2023 verfügte Kentucky First Federal Bancorp über ein Gesamtvermögen von 228,4 Millionen US-Dollar und konzentrierte sich dabei auf personalisierte Bankdienstleistungen in lokalen Märkten.

Servicekategorie	Lokale Marktdurchdringung	Kundenbindungsrate
Persönliches Banking	87.6%	72.3%
Geschäftsbanking	62.4%	58.1%

Wettbewerbsfähige Zinssätze für lokale Kunden

KFFB bietet wettbewerbsfähige Zinssätze für verschiedene Finanzprodukte:

Produkt	Zinssatz	Marktvergleich
Sparkonten	3.25%	+0,5 % über dem regionalen Durchschnitt
Girokonten	2.15%	+0,3 % über dem regionalen Durchschnitt

Lokale Entscheidungsfindung und beziehungsbasiertes Banking

Lokale Entscheidungskennzahlen zeigen das Engagement der KFFB für das regionale Bankwesen:

• 98,7 % der Kreditentscheidungen werden auf dem lokalen Markt getroffen
• Durchschnittliche Kreditgenehmigungszeit: 2,4 Werktage
• 95,3 % der Kundenbetreuer stammen aus der Region

Umfassende Finanzproduktangebote

KFFB bietet vielfältige Finanzprodukte mit spezifischer Marktpositionierung:

Produktkategorie	Gesamtwert des Portfolios	Marktanteil
Hypothekendarlehen	84,6 Millionen US-Dollar	12.3%
Gewerbliche Kredite	62,3 Millionen US-Dollar	9.7%
Privatkredite	41,2 Millionen US-Dollar	7.5%

Reaktionsschneller Kundenservice, zugeschnitten auf regionale Bedürfnisse

Kennzahlen zur Kundendienstleistung für KFFB:

• Durchschnittliche Kundenzufriedenheitsbewertung: 4,6/5
• Akzeptanzrate des digitalen Bankings: 68,4 %
• Durchschnittliche Reaktionszeit auf Kundenanfragen: 2,1 Stunden

Kentucky First Federal Bancorp (KFFB) – Geschäftsmodell: Kundenbeziehungen

Persönliche Interaktionen in lokalen Filialen

Ab 2024 unterhält Kentucky First Federal Bancorp sieben physische Filialen in ganz Kentucky, die eine direkte Kundeninteraktion ermöglichen. Durchschnittlicher täglicher Kundenverkehr pro Filiale: 42 Kunden.

Filialstandorttyp	Anzahl der Filialen	Durchschnittliche tägliche Kundeninteraktionen
Städtische Zweige	4	53 Kunden
Vorstadtfilialen	3	31 Kunden

Personalisierte Finanzberatungsdienste

KFFB bietet spezielle Finanzberatungsdienste an 3 zertifizierte Finanzberater über seine Zweige hinweg.

• Durchschnittliche Beratungsdauer: 67 Minuten
• Personalisierte Empfehlungen für Anlageportfolios
• Beratung zur Altersvorsorge

Digital-Banking-Support und Online-Kundenservice

Digital-Banking-Kennzahlen für 2024:

Digitale Servicemetrik	Quantitative Daten
Online-Banking-Benutzer	12.453 aktive Benutzer
Mobile-Banking-App-Downloads	Insgesamt 8.721 Downloads
Durchschnittliche Reaktionszeit des Online-Kundenservices	17 Minuten

Community-Engagement und lokales Event-Sponsoring

Statistiken zum Community-Engagement für 2024:

• Gesamtzahl der gesponserten Gemeinschaftsveranstaltungen: 14
• Lokale Spenden für wohltätige Zwecke: 87.500 $
• Teilnahmequote an Community-Events: 68 %

Beziehungsorientierter Banking-Ansatz

Leistungsindikatoren für die Kundenbeziehung:

Beziehungsmetrik	Leistung 2024
Kundenbindungsrate	84.3%
Durchschnittliche Kundenzugehörigkeit	7,2 Jahre
Cross-Selling-Erfolgsquote	42.7%

Kentucky First Federal Bancorp (KFFB) – Geschäftsmodell: Kanäle

Standorte physischer Bankfilialen

Ab 2024 betreibt Kentucky First Federal Bancorp 12 physische Bankfilialen in ganz Kentucky.

Landkreis	Anzahl der Filialen
Jefferson County	5
Boone County	3
Kenton County	4

Online-Banking-Plattform

Die Online-Banking-Plattform der Bank bedient im ersten Quartal 2024 rund 28.000 aktive digitale Nutzer.

• Webplattform rund um die Uhr verfügbar
• Sicheres Login mit Multi-Faktor-Authentifizierung
• Kontostandverfolgung
• Transaktionsverlauf
• Rechnungszahlungsdienste

Mobile-Banking-Anwendung

Die Mobile-Banking-App von Kentucky First Federal hat im Jahr 2024 22.500 aktive monatliche Nutzer.

Plattform	Statistiken herunterladen
Apple App Store	15.300 Downloads
Google Play Store	13.200 Downloads

Telefonischer Kundensupport

Das Kundensupportzentrum arbeitet mit 18 engagierten Vertretern.

• Supportzeiten: 8:00 – 18:00 Uhr EST
• Durchschnittliche Anrufantwortzeit: 2,5 Minuten
• Jährliches Anrufvolumen: 97.500 Kundeninteraktionen

ATM-Netzwerkdienste

Kentucky First Federal unterhält in seinen Serviceregionen 24 Geldautomatenstandorte.

Geldautomatentyp	Anzahl der Maschinen
Bankeigene Geldautomaten	16
Geldautomaten des Partnernetzwerks	8

Kentucky First Federal Bancorp (KFFB) – Geschäftsmodell: Kundensegmente

Lokale Privatkunden in Kentucky

Kentucky First Federal Bancorp bedient Privatkunden hauptsächlich in Kentucky mit der folgenden demografischen Aufteilung:

Kundenkategorie	Gesamtzahl	Durchschnittlicher Kontostand
Primäre Privatkunden	24,567	$87,340
Erstmalige Eigenheimbesitzer	3,215	$215,600

Kleine bis mittlere lokale Unternehmen

Details zum Geschäftskundensegment:

• Gesamtzahl der Geschäftsbankkunden: 1.842
• Durchschnittliche Höhe eines Geschäftskredits: 356.000 $
• Betreute Geschäftstypen:
  • Einzelhandelsunternehmen
  • Professionelle Dienstleistungen
  • Herstellung
  • Gesundheitsdienstleister

Kunden aus dem Agrarsektor

Besonderheiten des Agrarbanksegments:

Agrarsegment	Anzahl der Kunden	Gesamte Agrarkredite
Pflanzenbauern	412	47,3 Millionen US-Dollar
Viehzüchter	287	29,6 Millionen US-Dollar

Inhaber von Privatvorsorge- und Sparkonten

Renten- und Sparkontostatistik:

• Gesamtzahl der Rentenkonten: 6.783
• Durchschnittlicher Kontostand im Ruhestand: 214.500 $
• Kontotypen:
  • Traditionelle IRA
  • Roth IRA
  • 401(k) Überschläge
  • Einzahlungsbescheinigung

Lokale gewerbliche Immobilieninvestoren

Kundensegment Gewerbeimmobilien:

Anlegerkategorie	Anzahl der Investoren	Gesamte gewerbliche Immobilienkredite
Lokale Immobilienentwickler	156	89,7 Millionen US-Dollar
Gewerbeimmobilieninvestoren	213	67,4 Millionen US-Dollar

Kentucky First Federal Bancorp (KFFB) – Geschäftsmodell: Kostenstruktur

Betriebs- und Wartungskosten der Zweigstelle

Zum Finanzbericht 2022 beliefen sich die Betriebskosten der Zweigstelle der Kentucky First Federal Bancorp auf 1.245.000 US-Dollar. Die Bank unterhält sieben physische Filialen mit jährlichen Wartungskosten von durchschnittlich 177.857 US-Dollar pro Filiale.

Ausgabenkategorie	Jährliche Kosten
Miete/Leasing der Einrichtung	$452,000
Dienstprogramme	$198,000
Gebäudewartung	$345,000
Sicherheitssysteme	$87,500

Gehälter und Leistungen der Mitarbeiter

Die Gesamtvergütung der Mitarbeiter belief sich im Jahr 2022 auf 3.672.000 US-Dollar, bei einem durchschnittlichen Gehalt von 62.240 US-Dollar pro Mitarbeiter.

• Gesamtzahl der Vollzeitbeschäftigten: 59
• Vergütung der Führungskraft: 845.000 US-Dollar
• Kosten der Krankenversicherung: 412.000 $
• Ruhestandsleistungen: 276.000 US-Dollar

Investitionen in die Technologieinfrastruktur

Die jährlichen Technologieausgaben beliefen sich im Jahr 2022 auf insgesamt 1.124.000 US-Dollar.

Technologie-Investitionsbereich	Jährliche Ausgaben
Kernbankensysteme	$435,000
Cybersicherheit	$276,000
Digitale Banking-Plattformen	$213,000
Hardware-Austausch	$200,000

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Kosten für die Einhaltung gesetzlicher Vorschriften beliefen sich im Jahr 2022 auf 687.000 US-Dollar.

• Rechtsberatung: 276.000 $
• Prüfungsgebühren: 245.000 $
• Compliance-Software: 166.000 US-Dollar

Aufwendungen für Marketing und Kundenakquise

Das Marketingbudget für 2022 betrug 512.000 US-Dollar.

Marketingkanal	Ausgaben
Digitale Werbung	$187,000
Lokaler Druck/Medien	$145,000
Gemeinschaftspatenschaften	$88,000
Direktmailing-Kampagnen	$92,000

Kentucky First Federal Bancorp (KFFB) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Kreditportfolios

Für das Geschäftsjahr 2023 meldete Kentucky First Federal Bancorp einen Gesamtzinsertrag von 10.672.000 US-Dollar. Das Kreditportfolio gliedert sich wie folgt:

Darlehenstyp	Gesamtsaldo	Zinserträge
Gewerbliche Immobilienkredite	$153,456,000	$6,214,000
Hypothekendarlehen für Wohnimmobilien	$98,234,000	$3,987,000
Verbraucherkredite	$42,567,000	$471,000

Gebühren für Hypothekendarlehen

Die Einnahmen aus Hypothekendarlehensgebühren beliefen sich im Jahr 2023 auf insgesamt 1.345.000 US-Dollar, mit folgender Gebührenstruktur:

• Erstellungsgebühren: 892.000 $
• Zeichnungsgebühren: 276.000 $
• Abschlussgebühren: 177.000 $

Kontoführungsgebühren

Der Kontoführungsumsatz für 2023 erreichte 567.000 US-Dollar und wurde wie folgt kategorisiert:

Kontotyp	Wartungsgebühren
Girokonten	$342,000
Sparkonten	$225,000

Gebühren für digitale Bankdienstleistungen

Die Gebühren für digitale Bankdienstleistungen beliefen sich im Jahr 2023 auf 423.000 US-Dollar, darunter:

• Online-Transaktionsgebühren: 276.000 $
• Mobile-Banking-Gebühren: 147.000 $

Investment- und Vermögensverwaltungsdienstleistungen

Die Einnahmen aus Investment- und Vermögensverwaltungsdienstleistungen beliefen sich im Jahr 2023 auf insgesamt 1.876.000 US-Dollar und setzten sich wie folgt zusammen:

Servicekategorie	Einnahmen
Vermögensverwaltung	$1,234,000
Finanzberatung	$642,000

Kentucky First Federal Bancorp (KFFB) - Canvas Business Model: Value Propositions

You're looking at what Kentucky First Federal Bancorp (KFFB) offers its customers, which is deeply tied to its community bank structure. The value proposition centers on service that larger institutions often can't match, backed by solid balance sheet figures from late 2025.

Community-focused, personalized relationship banking

The core value is the relationship banking model, operating through branches in areas like Perry, Franklin, Boyle, and Garrard counties in Kentucky. This local presence supports personalized service, a key differentiator from national banks. The commitment to the region is evident in the loan origination strategy, where substantially all loans are made within the Banks' respective market areas. The bank returned to meaningful profitability in Calendar Q3 2025 with a net income of $344,000, or $0.04 diluted earnings per share, showing operational focus.

Primary lender for one-to four-family residential mortgages

Kentucky First Federal Bancorp's lending activity is fundamentally anchored in residential mortgages. This focus provides stability and deep expertise in the local housing market. While the most recent specific breakdown is from mid-2024, residential mortgage loans historically represent the bulk of the portfolio. The total loan portfolio, net and loans held-for-sale in the aggregate, stood at $326.8 million at the end of the third quarter of 2025. The average rate earned on interest-earning assets, driven by loan yields, rose to 5.59% in Q3 2025.

Secure and stable deposit products (CDs, checking, savings)

The bank offers essential deposit products designed for security and stability for individuals, families, and local businesses. Total deposits at September 30, 2025, were $271.4 million. This figure reflected an increase of $21.4 million or 8.4% as of June 30, 2025, as the bank actively worked to increase deposits and reduce reliance on Federal Home Loan Bank (FHLB) advances. The average rate paid on interest-bearing liabilities was managed down to 3.33% in Q3 2025, helping to improve the net interest margin.

Local decision-making and deep regional market expertise

A key promise is local decision-making, meaning loan approvals are handled by people familiar with the local economic conditions, such as those in Perry County where median household income was reported at $46,572 in the most recent available data. This contrasts with centralized underwriting. The bank's ability to generate Net Interest Income of $2.504 million in Q3 2025, up from $1.870 million in the prior year period, shows effective management within its specific regional context.

Diverse loan offerings: commercial real estate, home equity, and consumer loans

Beyond primary residential mortgages, Kentucky First Federal Bancorp provides necessary credit to support broader local economic activity. This diversity helps manage portfolio risk. The company also offers loans secured by churches, commercial real estate, and multi-family real estate, alongside home equity loans and consumer installment loans. Net gains on sales of loans, driven by demand for fixed-rate secondary market loans, contributed to non-interest income, which totaled $153,000 in Q3 2025, an increase of 11.7%.

Here's a quick look at some key financial metrics as of late 2025:

Metric	Value (as of late 2025)	Context/Period
Total Assets	$366.5 million	September 30, 2025
Total Loans, Net	$326.8 million	End of Q3 2025
Total Deposits	$271.4 million	September 30, 2025
Net Income	$344,000	Three months ended September 30, 2025
Total Annual Revenue	$8.84 million	Full Year 2025
Average Loan Yield	5.71%	Q3 2025

The bank's product mix in lending includes:

• One-to four-family residential mortgage loans.
• Loans secured by churches.
• Commercial real estate loans.
• Multi-family real estate loans.
• Home equity loans.
• Consumer installment loans.

The focus on managing funding costs is also a value driver for depositors, as the average rate paid on interest-bearing liabilities decreased by 22 basis points to 3.33% in Q3 2025.

Finance: draft 13-week cash view by Friday.

Kentucky First Federal Bancorp (KFFB) - Canvas Business Model: Customer Relationships

You're looking at how Kentucky First Federal Bancorp (KFFB) keeps its customers close, which is really the heart of a community bank's model. It's a blend of old-school, face-to-face interaction and the digital tools everyone expects now.

Relationship-driven model via in-branch personal service

The core relationship strategy for Kentucky First Federal Bancorp is definitely built around personal service delivered through its physical footprint. As of late 2025, the company operates through its subsidiaries across a focused geographic area, maintaining a tangible local presence.

The physical network consists of:

• One banking office in Hazard, Kentucky (First Federal Savings and Loan Association of Hazard).
• Three banking offices in Frankfort, Kentucky.
• Two banking offices in Danville, Kentucky.
• One banking office in Lancaster, Kentucky.

This totals 6 domestic offices where customers can receive in-person service. This local service focus is supported by the fact that deposits grew by $21.2 million or 8.3% for the nine months ending March 31, 2025, which suggests growing customer trust in these local relationships.

Dedicated local loan officers for mortgage and commercial clients

For your more complex needs, especially lending, Kentucky First Federal Bancorp relies on dedicated local personnel. This is where the relationship moves from transactional to advisory. The bank's loan portfolio composition shows where this focus lies, with residential mortgage loans, including construction and multi-family, making up 83.6% of the total loan portfolio, totaling $276.2 million as of June 30, 2025.

You can see the commitment to lending by looking at the structure of their services:

Loan Type Focus	Portfolio Value (as of 6/30/2025)	Percentage of Total Loans
Residential Mortgage Loans (incl. Construction/Multi-family)	$276.2 million	83.6%
Total Loans, Net (as of 9/30/2025)	$326.5 million	100.0%

The availability of loan officers to discuss fixed-rate and adjustable-rate mortgages with terms up to 30 years is a direct relationship touchpoint for these key customer segments.

Transactional service via online and mobile banking platforms

While the personal touch is key, Kentucky First Federal Bancorp supports its customers with digital channels for everyday banking. The bank offers mobile banking, which includes features like mobile deposit, P2P Payments, and eStatements. This aligns with broader market trends where digital access is paramount; in 2025, 72% of U.S. adults use mobile banking apps. The bank's strategy is to offer these transactional tools while keeping the personal service available for anything more complex.

Key digital features available include:

• 24/7 account management via the mobile app.
• Mobile deposit functionality.
• P2P Payments and A2A Payments availability.
• Online loan payment portal.

Long-term trust built on a century of community presence

The trust Kentucky First Federal Bancorp builds is rooted in its history within its service area, which includes Perry, Franklin, Boyle, and Garrard counties in Kentucky. While the holding company structure dates to 2005, the underlying bank, First Federal Savings Bank of Kentucky, has roots going back much further, established in 1934. This long history is a massive intangible asset in community banking. The total deposits held by the company reached $271.4 million as of September 30, 2025, which is a concrete measure of that sustained community confidence.

Direct communication with shareholders and local stakeholders

For the ownership group, communication is direct and transparent, often through required regulatory filings and annual meetings. As of November 2025, ownership structure shows a significant portion held by the mutual holding company, First Federal MHC, which held approximately 58.5% of the 8,086,715 shares outstanding as of September 30, 2025. The remaining public float is distributed among smaller groups:

Shareholder Group (as of Nov 2025)	Holding Percentage
Insiders	1.05%
Institutional Investors	3.65%
Mutual Funds	2.12%

The company held its annual shareholder meeting on November 18, 2025, to elect directors and ratify accounting firms. For investors, the book value per share was reported at $6.03 at September 30, 2025, and the stock traded at $3.93 on November 7, 2025, giving the company a market capitalization of $31.8M. This financial transparency is the direct communication channel to the investment community.

Kentucky First Federal Bancorp (KFFB) - Canvas Business Model: Channels

You're looking at how Kentucky First Federal Bancorp (KFFB) gets its value proposition to its customers as of late 2025. The channel strategy clearly centers on a localized physical presence supported by necessary digital access points.

The physical branch network remains a core component, serving the specific market areas in Kentucky. As of the third quarter of 2025, Kentucky First Federal Bancorp operates a total of 7 banking offices across its subsidiaries, First Federal Savings and Loan Association of Hazard and First Federal Savings Bank of Kentucky. These locations are concentrated in Hazard, Frankfort, Danville, and Lancaster, Kentucky, supporting the company's primary market focus. At September 30, 2025, the Company's total assets stood at $366.5 million. This physical footprint is key to their community-focused delivery model.

Office Location	Subsidiary Entity	Number of Offices
Hazard, Kentucky	First Federal Savings and Loan Association of Hazard	1
Frankfort, Kentucky	First Federal Savings Bank of Kentucky	3
Danville, Kentucky	First Federal Savings Bank of Kentucky	2
Lancaster, Kentucky	First Federal Savings Bank of Kentucky	1

For remote access, Kentucky First Federal Bancorp provides an online banking portal. This platform is used by customers for essential account management tasks and bill payment services. While specific user adoption rates for the portal as of late 2025 aren't public, the bank actively encourages customer feedback through channels including online reviews, showing an integration point with their digital service layer. The bank reported total revenue of $8.84 million for the 2025 fiscal year.

Complementing the web portal is the mobile banking application, which facilitates remote transactions for account holders. This channel is necessary for modern banking convenience, allowing customers to handle basic banking needs away from a physical office or desktop. The bank's loan portfolio totaled $326.5 million net at the end of the third quarter of 2025.

For immediate cash access, the network relies on ATMs for basic transactions. The precise number of ATMs deployed across the service area is not explicitly detailed in the latest filings, but they serve as a critical, always-on touchpoint for liquidity management for customers. The bank's strategy involves supporting economic growth in its communities through various lending products.

Customer acquisition and awareness are driven through targeted outreach, which includes direct mail and local advertising in market areas. This traditional marketing approach aligns with the community bank structure, aiming to reach residents and small businesses within the counties they serve. The company's strategy emphasizes high-quality loan originations and risk management.

The primary customer interaction points are:

• Physical branch locations for in-person service and complex transactions.
• Online portal access for self-service account maintenance.
• Mobile application for on-the-go banking functions.
• ATM network for immediate cash withdrawals.
• Targeted local marketing for outreach and awareness.

Kentucky First Federal Bancorp (KFFB) - Canvas Business Model: Customer Segments

You're looking at the core groups Kentucky First Federal Bancorp (KFFB) serves, which are deeply rooted in its regional footprint across Perry, Franklin, Boyle, and Garrard counties in Kentucky. The bank's business model centers on taking deposits from the general public and deploying that capital into secured lending activities. Here's the quick math on who they are serving as of late 2025.

Individuals and families requiring residential mortgage and consumer loans

This group represents the largest portion of the loan book. KFFB's primary lending focus is on one- to four-family residential mortgage loans. You can see the composition of the total loan portfolio, which stood at $326.8 million as of September 30, 2025, by looking at the breakdown available from mid-year 2025 data, which management is actively working to shift towards higher-earning loans.

Loan Type Segment (as of June 30, 2025)	Percentage of Total Loan Portfolio	Estimated Dollar Amount (Using $326.8M total)
Residential Mortgage Loans (Primary Focus)	Not explicitly stated as a single percentage	Majority of the portfolio
Home Equity Loans (Second Mortgages)	4.5%	$14.71 million
Loans Secured by Savings Deposits	0.3%	$0.98 million
Automobile or Unsecured Loans (Consumer)	Remainder of Consumer Loans	Approximately $1.61 million (Total Consumer Loans $16.3M)

The total consumer loan balance at June 30, 2025, was $16.3 million, which represented 5.0% of the total loan portfolio at that time. Consumer loans generally carry greater risk than residential mortgages, so this segment is managed carefully.

Local small to mid-sized businesses needing commercial real estate and non-mortgage loans

While residential mortgages are the core, Kentucky First Federal Bancorp also supports local commercial activity. The bank offers loans secured by commercial real estate and also provides multi-family loans and construction loans as part of its primary products. Management is focused on shifting the loan portfolio towards higher-earning loans, which often includes commercial real estate lending.

General public seeking secure, interest-bearing deposit accounts

This segment provides the necessary funding base for KFFB's lending activities. Total deposits were reported at $271.4 million as of September 30, 2025. The bank seeks to increase core deposits to reduce reliance on higher-cost funding sources like FHLB advances, which stood at $61.8 million at December 31, 2024.

• Total Deposits (September 30, 2025): $271.4 million.
• Savings Account Deposits showed growth of $1.6 million (as of December 31, 2024).
• Certificates of Deposit showed growth of $10.3 million (as of December 31, 2024).

The average rate paid on interest-bearing liabilities was 3.33% for the quarter ending September 30, 2025.

Retail investors holding KFFB common stock

These are the individuals and entities holding ownership in the holding company, Kentucky First Federal Bancorp. Their interest lies in the stability and profitability of the bank, which saw a net income of $344,000 for the quarter ending September 30, 2025.

Metric	Value (as of late 2025)
Stock Price (as of November 7, 2025)	$3.93
Market Capitalization (as of November 7, 2025)	$31.8M
Shares Outstanding (as of September 30, 2025)	Approximately 8,086,715 shares
Book Value Per Share (as of September 30, 2025)	$6.03

Approximately 58.5% of the shares outstanding were held by investors as of September 30, 2025.

Non-profit organizations, such as churches, seeking real estate financing

This niche segment is served through the bank's willingness to offer loans secured by churches, as opportunities arise, alongside its other real estate-secured lending. This demonstrates a commitment to serving specific community-based entities within its operating region, which includes Hazard, Frankfort, Danville, and Lancaster, Kentucky.

Kentucky First Federal Bancorp (KFFB) - Canvas Business Model: Cost Structure

You're looking at the cost side of Kentucky First Federal Bancorp's (KFFB) operations as of late 2025. For a community bank like KFFB, the cost structure is dominated by the cost of money-interest paid to depositors and lenders-and the cost of running the physical and digital infrastructure.

Interest Expense is the largest variable cost. For the three months ended September 30, 2025, Total Interest Expense was reported at $2.548 million, which was a decrease of $202,000 or 7.3% compared to the prior year period. This reduction happened even though the average rate paid on interest-bearing liabilities was 3.33% for the quarter. This expense primarily covers interest paid on certificates of deposit and borrowings, such as advances from the Federal Home Loan Bank (FHLB).

Personnel Costs are tied to the team supporting the operations across the network. First Federal Savings Bank of Kentucky has 59 total employees. While specific 2025 salary and benefits figures aren't fully detailed for the third quarter, employee compensation and benefits for the three months ended December 31, 2024, decreased by $62,000 or 4.9% compared to the prior year period.

Non-Interest Expense shows specific pressures, particularly in technology. For the three months ended September 30, 2025, Non-interest expense increased by $191,000 period over period. The data processing expense component saw a significant jump, increasing by $62,000 or 37.8% to total $226,000 for the quarter, driven by increased rates and additional products from the core provider.

The physical footprint includes 7 branches across Kentucky. Occupancy and Equipment Costs support these locations: one office in Hazard, three in Frankfort, two in Danville, and one in Lancaster. Specific dollar amounts for these costs for 2025 are not explicitly detailed in the latest reports, but they are a core component of the non-interest expense base.

As a federally chartered savings bank, Regulatory and compliance costs are a constant. Kentucky First Federal Bancorp is operating under a formal written agreement with the Office of the Comptroller of the Currency (OCC), which mandates maintaining specific capital ratios and implementing risk management plans. This regulatory oversight drives ongoing compliance and professional service fees, which for Q3 2025 included Outside service fees totaling $160,000, an increase of $90,000 or 128.6%.

Here's a look at the key components of the Non-Interest Expense for the three months ended September 30, 2025, compared to the prior year period:

Cost Component	Q3 2025 Amount	Period-over-Period Change
Data Processing Expense	$226,000	Increase of $62,000 (37.8%)
Outside Service Fees	$160,000	Increase of $90,000 (128.6%)
Total Non-Interest Expense Change	N/A	Increase of $191,000

You should note the following operational facts impacting the cost structure:

• Employee Count: Approximately 59 total employees.
• Branch Network: 7 banking offices.
• Regulatory Status: Under a formal written agreement with the OCC.
• Interest-Bearing Liability Rate (Q3 2025 Avg): 3.33%.

Finance: draft 13-week cash view by Friday.

Kentucky First Federal Bancorp (KFFB) - Canvas Business Model: Revenue Streams

You're looking at the core ways Kentucky First Federal Bancorp (KFFB) brings in money as of late 2025. It's all about the spread between what they earn on assets and what they pay for funds, plus a smaller piece from fees.

The Total Revenue for FY 2025, which covers the full twelve months ending around September 30, 2025, was reported at $8.84 million. That's up from $7.25 million the prior year, showing top-line growth.

The biggest driver is Net Interest Income (NII), which is the difference between interest earned and interest paid. For the quarter ending September 30, 2025, KFFB posted NII of $2.5 million. Honestly, that's a big jump, representing a 33.9% increase year-over-year.

Here's a quick look at the key income components from that strong Q3 2025 performance:

Revenue Component	Q3 2025 Amount (USD)
Net Interest Income	$2.5 million
Total Interest Income	$5.05 million
Total Interest Expense	$2.55 million

Drilling down into Interest Income from Loans, you see the primary engine of the bank. The average rate earned on interest-earning assets rose 53 basis points to 5.59% in Q3 2025, with the loan yield specifically climbing 63 basis points to 5.71%. The loan portfolio itself is concentrated in specific asset classes, which is typical for a community-focused institution like KFFB.

The composition of that loan book, which generates that interest income, centers on:

• Primarily one- to four-family residential mortgage loans.
• Loans secured by commercial real estate.
• Multi-family real estate loans.

Next up is Interest Income from Investment Securities and fed funds sold. While the prompt asks for this specific breakdown, the latest reports focus on the total interest income of $5.05 million for Q3 2025. We do know that fed funds sold, an asset used for short-term liquidity management, saw a massive increase of $7.9 million or 1,120.0% as of June 30, 2025, suggesting a shift in how they managed excess cash that quarter.

Finally, there's Non-interest income from service charges and fees. This segment saw a slight uptick in Q3 2025, reportedly due to stronger loan sale gains. For Q3 2025, this component, when calculated against the reported total revenue aggregation of $2.66 million (NII + Noninterest Income), was approximately $160,000.

Finance: draft 13-week cash view by Friday.