Kentucky First Federal Bancorp (KFFB) Balance Sheet: Assets & Liabilities

Kentucky First Federal Bancorp (KFFB) Balance Sheet

As of Jun 30, 2026 (end of fiscal 2026), Kentucky First Federal Bancorp reported total assets of $362.40M and total liabilities of $312.10M. Shareholders' equity was $50.29M, up 4.0% from $48.37M a year earlier. Total debt stood at $48.59M against $4.25M in cash and short-term investments, a net debt position of $44.34M. That puts debt-to-equity at 0.97, compared with 0.88 a year earlier.

Kentucky First Federal Bancorp Balance Sheet Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Balance sheet showing assets, liabilities, and shareholders' equity for Kentucky First Federal Bancorp (KFFB) - Annual data in millions USD
Breakdown	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Jun 2026	Jun 2025	Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020	Jun 2019	Jun 2018	Jun 2017
Current Assets
Cash and Cash Equivalents	16.49	2.34	17.58	8.17	11.00	16.89	15.93	16.68	15.64	17.01
Short-Term Investments	1.53	8.58	9.65	12.08	10.48	0.03	0.54	1.05	0.05	0.07
Cash & Short-Term Investments	4.25	10.92	27.23	19.58	21.48	16.93	16.47	17.72	15.68	17.08
Accounts Receivable	1.65	1.44	1.17	0.90	0.65	0.69	0.83	0.76	0.71	0.68
Inventory	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Current Assets	10.59	20.92	0.22	0.14	0.38	0.04	0.14	0.27	0.14	0.07
Total Current Assets	16.49	20.92	28.62	20.63	22.51	17.66	17.44	18.89	16.39	17.76
Non-Current Assets
Property, Plant & Equipment (Net)	0.00	4.21	4.27	4.44	4.56	4.70	4.92	5.03	5.65	5.81
Long-Term Investments	331.73	350.59	333.35	4.62	275.07	299.67	287.15	281.74	271.31	259.73
Goodwill	0.00	0.00	0.00	0.95	0.95	0.95	0.95	14.51	14.51	14.51
Other Non-Current Assets	14.18	-5.16	8.73	8.93	24.99	15.09	10.68	10.60	10.39	10.61
Total Non-Current Assets	345.91	359.80	346.35	328.39	305.57	320.40	303.70	311.88	301.86	290.66
Total Assets	362.40	372.16	374.97	349.02	328.08	338.06	321.14	330.64	318.39	308.49
Current Liabilities
Accounts Payable	0.00	0.00	0.18	0.79	0.01	0.02	0.03	0.03	0.02	0.02
Short-Term Debt	0.00	7.69	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Accrued Liabilities	-	1.01	0.18	0.07	0.01	0.02	-	-	-	-
Other Current Liabilities	33.55	202.79	256.14	226.31	239.86	226.84	212.27	195.84	195.65	182.85
Total Current Liabilities	33.55	210.48	256.32	226.38	239.87	226.86	212.30	195.86	195.68	182.87
Non-Current Liabilities
Long-Term Debt	48.59	35.07	68.99	70.09	34.07	56.87	54.72	66.70	53.05	55.78
Deferred Tax Liabilities	0.95	0.98	0.11	0.51	0.89	0.61	0.84	0.70	0.44	0.72
Other Non-Current Liabilities	263.51	77.27	1.56	1.33	1.23	1.42	1.37	1.23	1.46	1.40
Total Non-Current Liabilities	312.10	113.31	70.66	71.93	36.19	58.90	56.93	68.63	55.52	58.47
Total Liabilities	312.10	323.79	326.97	298.31	276.06	285.77	269.23	264.36	251.19	241.34
Stockholders' Equity
Common Stock	0.09	0.09	0.09	0.09	0.09	0.09	0.09	0.09	0.09	0.09
Retained Earnings	19.42	17.51	17.33	20.13	20.56	20.36	19.93	33.87	34.05	34.18
Accumulated Other Comprehensive Income	-0.13	-0.15	-0.34	-0.43	0.00	0.00	0.00	0.00	0.00	0.00
Treasury Stock	-	-	3.97	3.97	3.51	2.97	-	-	-	-
Additional Paid-in Capital	30.92	30.92	30.92	34.89	31.38	34.92	31.89	32.32	33.73	32.88
Shares Outstanding	-	-	8.09	8.09	8.15	8.23	-	-	-	-
Total Stockholders' Equity	50.29	48.37	48.00	50.71	52.03	52.30	51.91	66.28	67.20	67.15
Total Liabilities & Equity	362.40	372.16	374.97	349.02	328.08	338.06	321.14	330.64	318.39	308.49

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Kentucky First Federal Bancorp Balance Sheet

How much debt does Kentucky First Federal Bancorp have?

Kentucky First Federal Bancorp had total debt of $48.59M as of Jun 30, 2026, against $4.25M in cash and short-term investments. Its debt-to-equity ratio was 0.97. Total debt was $42.76M a year earlier.

What are Kentucky First Federal Bancorp's total assets?

Kentucky First Federal Bancorp reported total assets of $362.40M as of Jun 30, 2026, down 2.6% from $372.16M a year earlier. Total liabilities were $312.10M.

What is Kentucky First Federal Bancorp's shareholders' equity?

Kentucky First Federal Bancorp's shareholders' equity was $50.29M as of Jun 30, 2026.

What is the debt-to-equity ratio?

The debt-to-equity ratio divides a company's total debt by its shareholders' equity. It shows how much of the business is financed with borrowed money; normal levels vary widely by industry. Full definition