Please see “Item 1A.
−Removed: Risk Factors” of the Company’s
−Removed: Annual Report on Form 10-K for the year ended June 30, 2025 for information regarding risk factors that could materially affect the Company’s
−Removed: business, financial condition, or future results of operations.
−Removed: As of December 31, 2025, the risk factors of the Company have not materially
−Removed: changed from those disclosed in “Item 1A.
−Removed: Risk Factors” of the Company’s Annual Report on Form 10-K for the year ended
−Removed: June 30, 2025.
+Added: Factors” of the Company’s Annual Report on Form 10-K for the year ended June 30, 2025 for information regarding risk
+Added: factors that could materially affect the Company’s business, financial condition, or future results of operations.
+Added: relates to the termination of the Agreement with the OCC and the lifting of the IMCRs as disclosed in “Management’s
+Added: Discussion and Analysis of Financial Condition -- Regulatory Developments Regarding First Federal of Kentucky”, as of March
+Added: 31, 2026, the risk factors of the Company have not materially changed from those disclosed in “Item 1A.
+Added: Risk Factors” of
+Added: the Company’s Annual Report on Form 10-K for the year ended June 30, 2025.
Compared sentence by sentence after normalising whitespace, quotation marks, case and digits, so re-formatting and restated figures do not read as changed language. Wording changes appear as one removal and one addition. The current filing and the prior one are authoritative.