D
First Federal Savings and Loan Association
Hazard,  KY
Rating Date
June 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
21.17
Return On
Assets
0.82%
Total
Assets
87.16M
Capital
18.20M
Total
Deposits
61.04M
Net
Income
176.00K
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Weiss Ratings First Federal Savings and Loan Association
Hazard, KY 		Click to
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Rating D
Asset Quality Index 6.60
Capitalization Index 10.00
Liquidity Index 0.10
Profitability Index 2.70
Stability Index 5.60
Company Info First Federal Savings and Loan Association
Hazard, KY 		Click to
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FDIC Number 31197
Phone Number (606) 436-3860
Website www.firstfederalhazard.com
Asset Quality First Federal Savings and Loan Association
Hazard, KY 		Click to
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1-Year Asset Growth 0.48%
5-Year Asset Growth -0.85%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 1.35%
Non-Performing Loans to Capital 6.59%
Non-Performing Loans to Loans 1.50%
Balance Sheet First Federal Savings and Loan Association
Hazard, KY 		Click to
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Total Assets 87.16M
Total Deposits 61.04M
Capital and Reserves First Federal Savings and Loan Association
Hazard, KY 		Click to
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Capital 18.20M
Leverage Ratio 21.17
Loan Loss Reserves to Loans 0.67%
Risk-Based Capital Ratio --
Liquidity First Federal Savings and Loan Association
Hazard, KY 		Click to
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Hot Money Ratio 33.88%
Liquidity Ratio 10.87%
Profitability First Federal Savings and Loan Association
Hazard, KY 		Click to
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5-Year Return on Average Assets 0.52%
Net Income 176.00K
Net Interest Spread 3.10%
Operating Profit to Average Assets 1.08%
Overhead Efficiency Ratio 63.18%
Return on Assets 0.82%
Return on Equity 3.89%