Kentucky First Federal Bancorp (Nasdaq: KFFB) reported net income of USD 0.30 million, or USD 0.04 diluted earnings per share, for the three months ended December 31, 2025. For the six months ended December 31, 2025, net income totaled USD 0.65 million, or USD 0.08 diluted earnings per share. Net interest income for the quarter increased 30.3% to USD 2.7 million, driven by an 8.2% rise in interest income to USD 5.2 million and an 8.2% decrease in interest expense to USD 2.5 million. For the half-year period, net interest income rose 32.1% to USD 5.2 million, with interest income up 8.8% to USD 10.2 million and interest expense down 7.8% to USD 5.1 million. Non-interest income for the three months ended December 31, 2025, was USD 0.18 million, up 4.1%. For the six-month period, non-interest income rose 7.5%, primarily due to increased net gains on sales of loans. Non-interest expense for the quarter increased 10.0% to USD 2.4 million, mainly due to higher data processing expenses, which more than doubled, and an 8.3% increase in employee compensation and benefits. For the half-year, non-interest expense rose 9.8% to USD 4.6 million, with data processing and outside service fees contributing most to the increase. Provision for loan losses for the half-year declined 33.3% to USD 0.01 million, while income tax expense increased due to higher pre-tax earnings.

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