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BankSonar

First Federal Savings and Loan Association

Morehead, KY · Savings bank

42

Sonar Score

Caution

out of 100 · from public FDIC data

Reported March 31, 2026. The Sonar Score is an informational signal from public FDIC data — not a rating or financial advice.

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Key figures

Total assets
$40.8M
Total deposits
$29.9M
Branches
1
Return on assets
0.62%
Return on equity
2.39%
Charter type
Savings bank
Established
1963
FDIC cert #
31409

How the 42 breaks down

Capital adequacyweight 40%

Capital ratio not reported.

Profitability (ROA)weight 30%

Modest but positive returns.

Return on equityweight 15%

Positive but moderate equity returns.

Scale & stabilityweight 15%

Community-scale institution.

Read the full Sonar Score methodology →

Your deposits at First Federal Savings and Loan Association

First Federal Savings and Loan Association is an FDIC-insured institution (Cert #31409). Deposits are insured up to $250,000 per depositor, per ownership category, by the full faith and credit of the US government. Learn how to maximize your coverage →

1 branch locations

211 W Main St

Morehead, KY 40351

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Earning enough on your savings?

Many big-bank savings accounts pay near 0%. Compare today's top high-yield savings and CD rates from FDIC-insured banks before you decide where to keep your cash.

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