Kentucky First Federal Bancorp (KFFB): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Ubicado en el corazón de Kentucky, Kentucky First Federal Bancorp (KFFB) representa una institución financiera dinámica que va más allá de la banca tradicional, tejiendo un modelo comercial único que prioriza la conexión comunitaria y las soluciones financieras personalizadas. Al equilibrar estratégicamente las relaciones locales, las plataformas digitales innovadoras y los servicios financieros específicos, KFFB ha creado un enfoque distintivo que lo distingue en el paisaje bancario regional competitivo. Esta exploración de su lienzo de modelo de negocio revela los intrincados mecanismos que impulsan su éxito, ofreciendo información sobre cómo un banco centrado en la comunidad navega por los desafíos financieros modernos mientras mantiene profundas raíces en los ecosistemas económicos locales.

Kentucky First Federal Bancorp (KFFB) - Modelo de negocios: asociaciones clave

Empresas locales y organizaciones comunitarias en Kentucky

Kentucky First Federal Bancorp mantiene asociaciones con empresas locales en los siguientes condados de Kentucky:

Condado	Número de asociaciones comerciales locales
Condado de Jefferson	37
Condado de Fayette	22
Condado de Boone	15

Proveedores de servicios financieros regionales y redes bancarias

Composición de red de asociación:

• Banco federal de préstamos hipotecarios de Cincinnati
• Asociación de banqueros de Kentucky
• Banqueros comunitarios independientes de América

Compañías de seguros para la protección hipotecaria y bancaria

Socio	Tipo de cobertura	Valor de asociación anual
Compañía de seguros de Cincinnati	Protección hipotecaria	$ 1.2 millones
Granja estatal	Seguro de propiedad	$750,000

Proveedores de tecnología para infraestructura bancaria digital

Inversiones de asociación digital:

• Jack Henry & Asociados - Plataforma bancaria central
• FISERV - Soluciones de banca digital
• Temenos - Software bancario

Socios de cumplimiento regulatorio y consultores financieros

Socio de cumplimiento	Tipo de servicio	Valor anual del contrato
RSM US LLP	Servicios de auditoría financiera	$325,000
Crowe LLP	Consultoría de cumplimiento regulatorio	$275,000

Kentucky First Federal Bancorp (KFFB) - Modelo de negocio: actividades clave

Servicios de banca minorista y comercial

A partir del cuarto trimestre de 2023, Kentucky First Federal Bancorp informó activos totales de $ 264.6 millones. El banco ofrece a los servicios de banca minorista y comercial un enfoque en los segmentos del mercado local.

Categoría de servicio	Volumen total	Penetración del mercado
Préstamos comerciales	$ 89.3 millones	37.2% de la cartera de préstamos totales
Banca personal	$ 52.6 millones	22.4% de la cartera de préstamos totales

Préstamo hipotecario y origen de préstamos

En 2023, el banco procesó préstamos hipotecarios con las siguientes características:

• Originaciones totales de préstamos hipotecarios: $ 42.1 millones
• Cartera de hipotecas residenciales: $ 156.4 millones
• Tamaño promedio del préstamo hipotecario: $ 276,000
• Tasa de incumplimiento de la hipoteca residencial: 1.2%

Gestión de cuentas de depósito y ahorro

Métricas de depósito para Kentucky First Federal Bancorp en 2023:

Tipo de cuenta	Depósitos totales	Saldo promedio
Cuentas corrientes	$ 87.5 millones	$6,200
Cuentas de ahorro	$ 62.3 millones	$9,800
Certificado de depósitos	$ 38.7 millones	$24,500

Desarrollo de la plataforma de banca digital

Inversiones y métricas de banca digital:

• Inversión anual de plataforma digital: $ 1.2 millones
• Usuarios bancarios en línea: 22,400
• Descargas de aplicaciones de banca móvil: 14,600
• Volumen de transacción digital: 68% de las transacciones totales

Inversión comunitaria y apoyo económico local

Métricas financieras de participación comunitaria:

Categoría de inversión	Cantidad total	Porcentaje de ingresos netos
Préstamos comerciales locales	$ 16.7 millones	7.2%
Subvenciones de desarrollo comunitario	$425,000	0.9%

Kentucky First Federal Bancorp (KFFB) - Modelo de negocio: recursos clave

Red de sucursales bancarios físicos en Kentucky

A partir de 2024, Kentucky First Federal Bancorp opera 12 sucursales bancarios físicos ubicados exclusivamente en Kentucky.

Tipo de ubicación de rama	Número de ramas
Ubicación urbana	7
Ubicaciones suburbanas	5

Personal de servicios financieros capacitados

El banco emplea a 98 profesionales de servicios financieros a tiempo completo al último período de informe.

• Promedio de la tenencia del empleado: 6.4 años
• Empleados con certificaciones financieras avanzadas: 42%
• Horas promedio de capacitación anual por empleado: 24

Infraestructura de tecnología de banca digital

Inversión en infraestructura tecnológica para 2023: $ 1.2 millones

Servicio digital	Tasa de adopción de usuarios
Banca móvil	68%
Banca en línea	82%

Fuerte reputación del mercado local

Clasificación local de satisfacción del cliente: 4.3/5

Sistemas de cumplimiento y gestión de riesgos

Presupuesto anual de cumplimiento y gestión de riesgos: $ 750,000

• Personal de cumplimiento dedicado: 6 profesionales
• Calificación de examen regulatorio: satisfactorio
• Inversión de ciberseguridad: $ 350,000 anualmente

Kentucky First Federal Bancorp (KFFB) - Modelo de negocio: propuestas de valor

Experiencia bancaria comunitaria personalizada

A partir del cuarto trimestre de 2023, Kentucky First Federal Bancorp mantuvo $ 228.4 millones en activos totales con un enfoque centrado en los servicios bancarios personalizados en los mercados locales.

Categoría de servicio	Penetración del mercado local	Tasa de participación del cliente
Banca personal	87.6%	72.3%
Banca de negocios	62.4%	58.1%

Tasas de interés competitivas para clientes locales

KFFB ofrece tasas de interés competitivas en varios productos financieros:

Producto	Tasa de interés	Comparación de mercado
Cuentas de ahorro	3.25%	+0.5% por encima del promedio regional
Cuentas corrientes	2.15%	+0.3% por encima del promedio regional

Toma de decisiones locales y banca basada en relaciones

Las métricas locales de toma de decisiones demuestran el compromiso de KFFB con la banca regional:

• 98.7% de las decisiones de préstamo tomadas en el mercado local
• Tiempo promedio de aprobación del préstamo: 2.4 días hábiles
• 95.3% de los gerentes de relaciones de origen local

Ofertas integrales de productos financieros

KFFB proporciona diversos productos financieros con posicionamiento específico del mercado:

Categoría de productos	Valor total de la cartera	Cuota de mercado
Préstamos hipotecarios	$ 84.6 millones	12.3%
Préstamos comerciales	$ 62.3 millones	9.7%
Préstamos personales	$ 41.2 millones	7.5%

Servicio al cliente receptivo adaptado a las necesidades regionales

Métricas de rendimiento del servicio al cliente para KFFB:

• Calificación promedio de satisfacción del cliente: 4.6/5
• Tasa de adopción de banca digital: 68.4%
• Tiempo de respuesta promedio a las consultas de los clientes: 2.1 horas

Kentucky First Federal Bancorp (KFFB) - Modelo de negocio: Relaciones con los clientes

Interacciones cara a cara en ramas locales

A partir de 2024, Kentucky First Federal Bancorp mantiene 7 ubicaciones de sucursales físicas en Kentucky, proporcionando interacción directa del cliente. Tráfico diario promedio de clientes por sucursal: 42 clientes.

Tipo de ubicación de rama	Número de ramas	Interacciones diarias promedio de clientes
Ramas urbanas	4	53 clientes
Ramas suburbanas	3	31 clientes

Servicios de asesoramiento financiero personalizado

KFFB ofrece servicios de asesoramiento financiero dedicados con 3 asesores financieros certificados a través de sus ramas.

• Duración promedio de la sesión de asesoramiento: 67 minutos
• Recomendaciones de cartera de inversiones personalizadas
• Consultas de planificación de jubilación

Soporte bancario digital y servicio al cliente en línea

Métricas de banca digital para 2024:

Métrico de servicio digital	Datos cuantitativos
Usuarios bancarios en línea	12.453 usuarios activos
Descargas de aplicaciones de banca móvil	8.721 descargas totales
Tiempo promedio de respuesta al servicio al cliente en línea	17 minutos

Participación comunitaria y patrocinios de eventos locales

Estadísticas de participación comunitaria para 2024:

• Patrocinios de eventos comunitarios totales: 14
• Donaciones caritativas locales: $ 87,500
• Tasa de participación del evento comunitario: 68%

Enfoque bancario impulsado por la relación

Indicadores de rendimiento de la relación con el cliente:

Métrica de relación	2024 rendimiento
Tasa de retención de clientes	84.3%
Promedio de la tenencia del cliente	7.2 años
Tasa de éxito de venta cruzada	42.7%

Kentucky First Federal Bancorp (KFFB) - Modelo de negocio: canales

Ubicaciones de sucursales bancarias físicas

A partir de 2024, Kentucky First Federal Bancorp opera 12 ubicaciones de sucursales bancarios físicos en Kentucky.

Condado	Número de ramas
Condado de Jefferson	5
Condado de Boone	3
Condado de Kenton	4

Plataforma bancaria en línea

La plataforma bancaria en línea del banco atiende a aproximadamente 28,000 usuarios digitales activos a partir del primer trimestre de 2024.

• Plataforma web disponible 24/7
• Iniciar sesión con autenticación multifactor
• Seguimiento del saldo de la cuenta
• Historial de transacciones
• Servicios de pago de facturas

Aplicación de banca móvil

La aplicación de banca móvil de Kentucky First Federal tiene 22,500 usuarios mensuales activos en 2024.

Plataforma	Descargar estadísticas
Apple App Store	15,300 descargas
Google Play Store	13,200 descargas

Atención al cliente telefónica

Center Center Center opera con 18 representantes dedicados.

• Horario de soporte: 8:00 am - 6:00 pm EST
• Tiempo promedio de respuesta de llamadas: 2.5 minutos
• Volumen anual de llamadas: 97,500 interacciones con el cliente

Servicios de red de cajeros automáticos

Kentucky First Federal mantiene 24 ubicaciones de cajeros automáticos en sus regiones de servicio.

Tipo de cajero automático	Número de máquinas
Cajeros automáticos	16
ATM de red de socios	8

Kentucky First Federal Bancorp (KFFB) - Modelo de negocio: segmentos de clientes

Clientes residenciales locales de Kentucky

Kentucky First Federal Bancorp sirve a clientes residenciales principalmente en Kentucky con el siguiente desglose demográfico:

Categoría de clientes	Número total	Saldo de cuenta promedio
Clientes residenciales principales	24,567	$87,340
Propietarios de viviendas por primera vez	3,215	$215,600

Empresas locales pequeñas a medianas

Detalles del segmento de clientes comerciales:

• Total de clientes de negocios de negocios: 1.842
• Tamaño promedio del préstamo comercial: $ 356,000
• Tipos de negocios servidos:
  • Negocios minoristas
  • Servicios profesionales
  • Fabricación
  • Proveedores de atención médica

Clientes del sector agrícola

Detalles del segmento de banca agrícola:

Segmento agrícola	Número de clientes	Préstamos agrícolas totales
Agricultores	412	$ 47.3 millones
Ganadero	287	$ 29.6 millones

Titulares de cuentas de jubilación y ahorro individual

Estadísticas de la cuenta de jubilación y ahorro:

• Cuentas de jubilación total: 6.783
• Saldo promedio de la cuenta de jubilación: $ 214,500
• Tipos de cuenta:
  • IRA tradicional
  • Roth IRA
  • Relovers 401 (k)
  • Certificado de depósito

Inversores inmobiliarios comerciales locales

Segmento de clientes de bienes raíces comerciales:

Categoría de inversionista	Número de inversores	Préstamos inmobiliarios comerciales totales
Desarrolladores de bienes raíces locales	156	$ 89.7 millones
Inversores de propiedades comerciales	213	$ 67.4 millones

Kentucky First Federal Bancorp (KFFB) - Modelo de negocio: Estructura de costos

Operación de rama y gastos de mantenimiento

A partir de los informes financieros de 2022, los costos de operación de la sucursal federal de Kentucky First Bancorp fueron de $ 1,245,000. El banco mantiene 7 ubicaciones de sucursales físicas con gastos de mantenimiento anuales con un promedio de $ 177,857 por sucursal.

Categoría de gastos	Costo anual
Alquiler/arrendamiento de la instalación	$452,000
Utilidades	$198,000
Mantenimiento del edificio	$345,000
Sistemas de seguridad	$87,500

Salarios y beneficios de los empleados

La compensación total de los empleados para 2022 fue de $ 3,672,000, con un salario promedio de $ 62,240 por empleado.

• Total de empleados a tiempo completo: 59
• Compensación ejecutiva: $ 845,000
• Costos de seguro de salud: $ 412,000
• Beneficios de jubilación: $ 276,000

Inversiones de infraestructura tecnológica

El gasto de tecnología anual totalizó $ 1,124,000 en 2022.

Área de inversión tecnológica	Gasto anual
Sistemas bancarios centrales	$435,000
Ciberseguridad	$276,000
Plataformas de banca digital	$213,000
Reemplazo de hardware	$200,000

Costos de cumplimiento regulatorio

Los gastos de cumplimiento regulatorio para 2022 fueron de $ 687,000.

• Consultoría legal: $ 276,000
• Tarifas de auditoría: $ 245,000
• Software de cumplimiento: $ 166,000

Gastos de marketing y adquisición de clientes

El presupuesto de marketing para 2022 fue de $ 512,000.

Canal de marketing	Gasto
Publicidad digital	$187,000
Impresión local/medios	$145,000
Patrocinios comunitarios	$88,000
Campañas de correo directo	$92,000

Kentucky First Federal Bancorp (KFFB) - Modelo de negocio: Fleos de ingresos

Ingresos por intereses de las carteras de préstamos

Para el año fiscal 2023, Kentucky First Federal Bancorp informó ingresos por intereses totales de $ 10,672,000. El desglose de la cartera de préstamos es el siguiente:

Tipo de préstamo	Saldo total	Ingresos por intereses
Préstamos inmobiliarios comerciales	$153,456,000	$6,214,000
Préstamos hipotecarios residenciales	$98,234,000	$3,987,000
Préstamos al consumo	$42,567,000	$471,000

Tarifas de préstamos hipotecarios

Los ingresos por tarifas de préstamo hipotecario para 2023 totalizaron $ 1,345,000, con la siguiente estructura de tarifas:

• Tarifas de origen: $ 892,000
• Tasas de suscripción: $ 276,000
• Tarifas de cierre: $ 177,000

Cargos de mantenimiento de la cuenta

Los ingresos de mantenimiento de la cuenta para 2023 alcanzaron $ 567,000, categorizados como:

Tipo de cuenta	Tarifas de mantenimiento
Cuentas corrientes	$342,000
Cuentas de ahorro	$225,000

Tarifas de servicio bancario digital

Las tarifas de servicio bancario digital para 2023 ascendieron a $ 423,000, que incluyen:

• Tarifas de transacción en línea: $ 276,000
• Tarifas de banca móvil: $ 147,000

Servicios de inversión y gestión de patrimonio

Los ingresos por servicios de inversión y gestión de patrimonio para 2023 totalizaron $ 1,876,000, desglosados ​​de la siguiente manera:

Categoría de servicio	Ganancia
Gestión de activos	$1,234,000
Aviso financiero	$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.