D
First Federal Savings and Loan Association
Hazard,  KY
Rating Date
August 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
21.58
Return On
Assets
0.94%
Total
Assets
81.30M
Capital
18.20M
Total
Deposits
56.61M
Net
Income
403.00K
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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 3.60
Stability Index 5.40
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 -5.25%
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 1.42%
Non-Performing Loans to Capital 6.62%
Non-Performing Loans to Loans 1.57%
Balance Sheet First Federal Savings and Loan Association
Hazard, KY 		Click to
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Total Assets 81.30M
Total Deposits 56.61M
Capital and Reserves First Federal Savings and Loan Association
Hazard, KY 		Click to
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Capital 18.20M
Leverage Ratio 21.58
Loan Loss Reserves to Loans 0.72%
Risk-Based Capital Ratio --
Liquidity First Federal Savings and Loan Association
Hazard, KY 		Click to
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Hot Money Ratio 33.14%
Liquidity Ratio 10.09%
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 403.00K
Net Interest Spread 3.24%
Operating Profit to Average Assets 1.25%
Overhead Efficiency Ratio 59.44%
Return on Assets 0.94%
Return on Equity 4.44%