First Federal Savings And Loan Association is a bank based in Morehead, Kentucky, established in 1963, with $41 million in total assets across 1 branch. By Trust Grade it ranks 55th of 120 banks we track in Kentucky. Its capital ratio of 25.8% is stronger than 91% of similarly sized banks, versus a Kentucky median of 9.6%. It was profitable over the most recent period, with a 0.62% return on assets. No consumer complaints against First Federal Savings And Loan Association appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How First Federal Savings And Loan Association compares to Kentucky peers
How we graded First Federal Savings And Loan Association
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (25.8% capital ratio)
- Profitable (ROA 0.62%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for First Federal Savings And Loan Association over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (1)
- 211 W Main St, Morehead, KY 40351
Are deposits at First Federal Savings And Loan Association insured?
Yes. First Federal Savings And Loan Association is an FDIC-insured bank (FDIC certificate #31409). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
First Federal Savings And Loan Association: frequently asked questions
Is First Federal Savings And Loan Association a good bank?
First Federal Savings And Loan Association earns a Bankzia Trust Grade of A (95/100, "Excellent"), based on a financial-strength score of 95/100 (it has no CFPB complaints on record). Strongly capitalized (25.8% capital ratio); Profitable (ROA 0.62%).
Is First Federal Savings And Loan Association FDIC-insured?
Yes. First Federal Savings And Loan Association is a FDIC-insured bank (FDIC certificate #31409). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is First Federal Savings And Loan Association?
First Federal Savings And Loan Association holds $41 million in total assets, ranking 55th of 120 banks we track in Kentucky. It operates 1 branch.
Does First Federal Savings And Loan Association have CFPB complaints?
No CFPB complaints against First Federal Savings And Loan Association appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
