Kentucky First Federal Bancorp 8-K

What Happened
On February 19, 2026, the Office of the Comptroller of the Currency (OCC) terminated the formal written agreement dated August 13, 2024 between the OCC and First Federal Savings Bank of Kentucky, the Company’s indirect wholly owned bank subsidiary. The termination means the Bank is no longer considered to be in “troubled condition” under 12 C.F.R. § 5.51(c)(7)(ii) and is now an “eligible savings association” under 12 C.F.R. § 5.3. The OCC also lifted the individual minimum capital requirements that had been imposed on the Bank under that agreement. The Company included a press release announcing the termination as Exhibit 99.1 to the 8-K.

Key Details

• OCC termination date: February 19, 2026.
• Original written agreement date: August 13, 2024 (summary previously disclosed in the Company’s Aug. 15, 2024 Form 8-K).
• Bank affected: First Federal Savings Bank of Kentucky (indirect wholly owned subsidiary).
• Regulatory effects: Bank removed from “troubled condition” status and individual minimum capital requirements were lifted; Bank is now an “eligible savings association” under applicable regulation.

Why It Matters
This is a regulatory milestone for investors: removal from “troubled condition” status and lifting of capital restrictions reduce regulatory constraints on the Bank’s operations and capital management. That can improve operational flexibility and reduce regulatory scrutiny going forward. The filing is factual and does not include projections or financial results; investors should watch subsequent reports for any impact on capital, earnings, or strategic actions.