{"url_path":"/sec/kffb/10-q/2026/cover-page","section_key":"cover-page","section_title":"Cover Page","topic":"sec","document":{"doc_type":"10-Q","doc_date":"2026-05-15","source_url":"https://www.sec.gov/Archives/edgar/data/1297341/0001213900-26-057461-index.html","accession_number":"0001213900-26-057461","cik":"0001297341","ticker":"KFFB","issuer_name":"Kentucky First Federal Bancorp","edgar_url":"https://www.sec.gov/Archives/edgar/data/1297341/0001213900-26-057461-index.html","primary_entity_key":"0001297341","primary_entity_name":"Kentucky First Federal Bancorp"},"word_count":541,"has_tables":true,"body_markdown":"**UNITED STATES**\n\n**SECURITIES AND EXCHANGE COMMISSION**\n\n**Washington, D.C. 20549**\n\n \n\n**FORM 10-Q**\n\n \n\n(Mark One)\n\n☒  QUARTERLY REPORT UNDER SECTION 13\nOR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934\n\n \n\nFor the quarterly period ended March 31, 2026\n\n \n\nOR\n\n \n\n☐  TRANSITION REPORT UNDER SECTION 13\nOR 15(d) OF THE EXCHANGE ACT\n\n \n\nFor the transition period from ____________ to\n_______________\n\n \n\nCommission File Number: 0-51176\n\n \n\nKENTUCKY FIRST FEDERAL BANCORP\n\n(Exact name of registrant as specified in its charter)\n\n \n\nUnited States of America   61-1484858\n\n(State or other jurisdiction of\n\nincorporation or organization)   (I.R.S. Employer\n\nIdentification No.)\n\n \n\n655 Main Street, Hazard, Kentucky 41702\n\n(Address of principal executive offices)(Zip Code)\n\n \n\n(502) 223-1638\n\n(Registrant’s telephone number, including\narea code)\n\n \n\nSecurities registered pursuant to Section 12(b)\nof the Act:\n\n \n\n**Title of each class**   **Trading symbol(s)**   **Name of each exchange on which registered**\n\nCommon Stock, $0.01 par value per share   KFFB   The NASDAQ Stock Market LLC\n\n \n\nIndicate by check mark whether the registrant\n(1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months\n(or for such shorter period that the registrant was required to file such reports) and (2) has been subject to such filing requirements\nfor the past 90 days: Yes ☒ No ☐\n\n \n\nIndicate by check mark whether the registrant\nhas submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (Section 232.405\nof this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes ☒\nNo ☐\n\n \n\nIndicate by check mark whether the registrant\nis a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company or an emerging growth company.\nSee the definition of “large accelerated filer,” “accelerated filer,” “smaller reporting company”\nand “emerging growth company” in Rule 12b-2 of the Exchange Act.\n\n \n\nLarge accelerated filer ☐ Accelerated filer ☐\n\nNon-Accelerated filer ☒ Smaller Reporting Company ☒\n\n    Emerging Growth Company ☐\n\n \n\nIf an emerging growth company, indicate by check\nmark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting\nstandards provided pursuant to Section 13(a) of the Exchange Act. ☐\n\n \n\nIndicate by check mark whether the registrant\nis a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes ☐ No ☒\n\n \n\nIndicate the number of shares outstanding of each\nof the issuer’s classes of common stock, as of the latest practicable date: At May 15, 2026, the latest practicable date, the Corporation\nhad 8,086,715 shares of $.01 par value common stock outstanding (including 4,727,938 shares held by First Federal MHC).\n\n \n\n \n\n \n\n \n\n \n\n  \n\n**INDEX**\n\n \n\n \n \n**Page**\n\n[PART I FINANCIAL INFORMATION](#k_001)\n \n1\n\n \n \n \n\n[ITEM 1 FINANCIAL STATEMENTS](#k_002)\n \n1\n\n \n \n \n\n[Condensed Consolidated Balance Sheets](#k_003)\n \n1\n\n \n \n \n\n[Condensed Consolidated Statements of Operations](#k_004)\n \n2\n\n \n \n \n\n[Condensed Consolidated Statements of Comprehensive Income](#k_005)\n \n3\n\n \n \n \n\n[Consolidated Statements of Changes in Shareholders’ Equity](#k_006)\n \n4\n\n \n \n \n\n[Condensed Consolidated Statements of Cash Flows](#k_007)\n \n6\n\n \n \n \n\n[Notes to Condensed Consolidated Financial Statements](#k_008)\n \n8\n\n \n \n \n\n[ITEM 2 Management’s Discussion and Analysis of Financial Condition and Results of Operations](#k_009)\n \n31\n\n \n \n \n\n[ITEM 3 Quantitative and Qualitative Disclosures About Market Risk](#k_010)\n \n39\n\n \n \n \n\n[ITEM 4 Controls and Procedures](#k_011)\n \n39\n\n \n \n \n\n[PART II OTHER INFORMATION](#k_012)\n \n40\n\n \n \n \n\n[SIGNATURES](#k_013)\n \n42\n\n \n\ni\n\n \n\n \n\n**PART I – FINANCIAL INFORMATION**"}