Headquartered in Hazard, Kentucky, First Federal Savings and Loan Association is a savings bank with $81.3M in total assets and $56.6M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1960.
First Federal Savings and Loan Association has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 37% of its 546 banks with under $100 million in assets. Among 120 banks headquartered in Kentucky, it ranks 78th. Capital cushion contributes the most (100/100, 21.58%); loan quality contributes the least (44/100, 1.69%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 10 points (59 → 69), mostly because the earnings component improved by 31 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 63 |
| Q3 2024 | 64 |
| Q4 2024 | 60 |
| Q1 2025 | 56 |
| Q2 2025 | 59 |
| Q3 2025 | 57 |
| Q4 2025 | 60 |
| Q1 2026 | 68 |
| Q2 2026 | 69 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 20.44% |
| Q3 2024 | 20.47% |
| Q4 2024 | 20.77% |
| Q1 2025 | 20.49% |
| Q2 2025 | 20.74% |
| Q3 2025 | 21.41% |
| Q4 2025 | 21.44% |
| Q1 2026 | 21.17% |
| Q2 2026 | 21.58% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.35% |
| Q3 2024 | 1.36% |
| Q4 2024 | 1.84% |
| Q1 2025 | 2.36% |
| Q2 2025 | 2.11% |
| Q3 2025 | 2.24% |
| Q4 2025 | 1.85% |
| Q1 2026 | 1.58% |
| Q2 2026 | 1.69% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.10% |
| Q3 2024 | 0.01% |
| Q4 2024 | 0.07% |
| Q1 2025 | 0.12% |
| Q2 2025 | 0.18% |
| Q3 2025 | 0.23% |
| Q4 2025 | 0.25% |
| Q1 2026 | 0.81% |
| Q2 2026 | 0.95% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 69 | $81.3M | 21.58% | 1.69% | 0.95% | 129.1% |
| Q1 2026 | 68 | $87.2M | 21.17% | 1.58% | 0.81% | 127.4% |
| Q4 2025 | 60 | $86.5M | 21.44% | 1.85% | 0.25% | 130.3% |
| Q3 2025 | 57 | $84.1M | 21.41% | 2.24% | 0.23% | 133.3% |
| Q2 2025 | 59 | $85.8M | 20.74% | 2.11% | 0.18% | 129.8% |
| Q1 2025 | 56 | $86.7M | 20.49% | 2.36% | 0.12% | 138.1% |
| Q4 2024 | 60 | $87.9M | 20.77% | 1.84% | 0.07% | 143.8% |
| Q3 2024 | 64 | $88.7M | 20.47% | 1.36% | 0.01% | 145.8% |
| Q2 2024 | 63 | $89.8M | 20.44% | 1.35% | -0.10% | 149.2% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First National Bank of BrooksvilleBank Brooksville, KY | 68 out of 100, Moderate | $73.7M | 11.5% | 1.15% | vs |
| Security Bank and Trust Co.Bank Maysville, KY | 83 out of 100, Strong | $71.8M | 15.7% | 1.86% | vs |
| Clinton BankBank Clinton, KY | 69 out of 100, Moderate | $70.4M | 16.8% | 1.77% | vs |
| Farmers State BankBank Booneville, KY | 69 out of 100, Moderate | $69.3M | 10.7% | 1.07% | vs |
| Citizens Bank of Cumberland County, Inc.Bank Burkesville, KY | 84 out of 100, Strong | $94.9M | 12.3% | 0.51% | vs |
| Farmers & Traders Bank of CamptonBank Campton, KY | 74 out of 100, Strong | $67.2M | 9.2% | 0.05% | vs |
Deposit insurance
Is my money safe at First Federal Savings and Loan Association?
Yes. First Federal Savings and Loan Association is an FDIC-insured institution (FDIC certificate #31197). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 4.1% of deposits ($2.3M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 21.58%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
First Federal Savings and Loan Association lists 1 office in 1 city. Most locations:
- Hazard, KY (1)
Identity & history
Profile
- Legal name
- First Federal Savings and Loan Association
- Type
- Savings bank
- FDIC certificate #
- 31197
- RSSD ID
- 831875
- Primary regulator
- OCC
- Holding company
- First Federal Mhc
- Established
- July 26, 1960
- Headquarters
- 479 Main St, Hazard, KY 41701
- Website
- www.firstfederalhazard.com
- Employees
- 10
Quick answers
First Federal Savings and Loan Association: common questions
Is First Federal Savings and Loan Association FDIC insured?
Yes. First Federal Savings and Loan Association is an FDIC-insured institution (FDIC certificate #31197). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First Federal Savings and Loan Association's TellerScore?
69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has First Federal Savings and Loan Association ever failed?
There is no failure record for FDIC certificate #31197 in the FDIC failed bank list.
How many branches does First Federal Savings and Loan Association have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Hazard
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Whitaker BankBank Lexington, KY | 84 out of 100, Strong | $1.9B | 12.9% | 0.21% | vs |
| Community Trust Bank, Inc.Bank Pikeville, KY | 80 out of 100, Strong | $6.9B | 13.4% | 0.58% | vs |
| Commercial BankBank Harrogate, TN | 77 out of 100, Strong | $2.4B | 11.6% | 0.35% | vs |
| Hyden Citizens BankBank Hyden, KY | 73 out of 100, Strong | $148.6M | 9.2% | 0.54% | vs |
| 1st Trust Bank, Inc.Bank Hazard, KY | 64 out of 100, Moderate | $351.7M | 9.6% | 0.15% | vs |
| Bank of HindmanBank Hindman, KY | 62 out of 100, Moderate | $259.7M | 9.2% | 0.91% | vs |