Item 1A. Risk Factors
ITEM 1A. Risk Factors
Please see “Item 1A. Risk
Factors” of the Company’s 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 business, financial condition, or future results of operations. Except as
relates to the termination of the Agreement with the OCC and the lifting of the IMCRs as disclosed in “Management’s
Discussion and Analysis of Financial Condition -- Regulatory Developments Regarding First Federal of Kentucky”, as of March
31, 2026, the risk factors of the Company have not materially changed from those disclosed in “Item 1A. Risk Factors” of
the Company’s Annual Report on Form 10-K for the year ended June 30, 2025.
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