D
First Federal Savings and Loan Association
Hazard,  KY
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
21.41
Return On
Assets
0.23%
Total
Assets
84.13M
Capital
17.95M
Total
Deposits
57.16M
Net
Income
147.00K
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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 6.10
Capitalization Index 10.00
Liquidity Index 0.10
Profitability Index 2.00
Stability Index 5.20
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 -5.13%
5-Year Asset Growth 1.11%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 1.90%
Non-Performing Loans to Capital 9.29%
Non-Performing Loans to Loans 2.08%
Balance Sheet First Federal Savings and Loan Association
Hazard, KY 		Click to
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Total Assets 84.13M
Total Deposits 57.16M
Capital and Reserves First Federal Savings and Loan Association
Hazard, KY 		Click to
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Capital 17.95M
Leverage Ratio 21.41
Loan Loss Reserves to Loans 0.65%
Risk-Based Capital Ratio --
Liquidity First Federal Savings and Loan Association
Hazard, KY 		Click to
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Hot Money Ratio 50.01%
Liquidity Ratio 9.27%
Profitability First Federal Savings and Loan Association
Hazard, KY 		Click to
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5-Year Return on Average Assets 0.61%
Net Income 147.00K
Net Interest Spread 2.35%
Operating Profit to Average Assets 0.31%
Overhead Efficiency Ratio 86.28%
Return on Assets 0.23%
Return on Equity 1.09%