Other Events On July 28, 2026, Kentucky First Federal Bancorp (the “Company”) announced that the Board of Directors declared a quarterly dividend of $0.05 per share for shareholders of record on August 31, 2026, to be paid on September 21, 2026. For more information, see the Company’s press release dated July 28, 2026, which is filed as Exhibit 99.1 hereto and is incorporated herein by reference.

Results of Operations and Financial Condition” instead of “

Other Events On May 29, 2026, Kentucky First Federal Bancorp (the “Company”) announced the board of directors are to consider resumption of quarterly dividend along with a special board meeting to be held July 28, 2026. For more information, see the Company’s press release dated May 29, 2026, which is filed as Exhibit 99.1 hereto and is incorporated herein by reference. SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report t…

Results of Operations and Financial Condition On May 11, 2025, Kentucky First Federal Bancorp (the “Company”) announced the board of directors are to consider resumption of quarterly dividend along with a special board meeting to be held July 29, 2026. For more information, see the Company’s press release dated May 29, 2026, which is filed as Exhibit 99.1 hereto and is incorporated herein by reference.

Results of Operations and Financial Condition On May 11, 2025, Kentucky First Federal Bancorp (the “Company”) announced its unaudited financial results for the nine and three months ended March 31, 2026. For more information, see the Company’s press release dated May 11, 2026, which is filed as Exhibit 99.1 hereto and is incorporated herein by reference.

Termination of a Material Definitive Agreement. On February 19, 2026, the Office of the Comptroller of the Currency (the “OCC”), the primary federal banking regulator of First Federal Savings Bank of Kentucky (the “Bank”), the indirect wholly-owned bank subsidiary of Kentucky First Federal Bancorp (the “Company”), published notification that the OCC has terminated its formal written agreement, dated August 13, 2024 (the “Agreement”), with the Bank. A summary of the material terms of the Agree…

Results of Operations and Financial Condition On February 10, 2026, Kentucky First Federal Bancorp (the “Company”) announced its unaudited financial results for the six and three months ended December 31, 2025. For more information, see the Company’s press release dated February 10, 2026, which is filed as Exhibit 99.1 hereto and is incorporated herein by reference.

Chief Executive Officer — R. Clay Hulette: Mr. Hulette was promoted to Chief Executive Officer after receiving regulatory approval.

Results of Operations and Financial Condition On November 6, 2025, Kentucky First Federal Bancorp (the “Company”) announced its unaudited financial results for the three months ended September 30, 2025. For more information, see the Company’s press release dated November 6, 2025, which is filed as Exhibit 99.1 hereto and is incorporated herein by reference.

CEO, President — R. Clay Hulette: Mr. Hulette was promoted to CEO and President, while Mr. Jennings' existing employment agreement was not renewed.

Results of Operations and Financial Condition On September 19, 2025, Kentucky First Federal Bancorp (the “Company”) announced its unaudited financial results for the twelve and three months ended June 30, 2025. For more information, see the Company’s press release dated September 18, 2025, which is filed as Exhibit 99.1 hereto and is incorporated herein by reference.

Results of Operations and Financial Condition On May 12, 2025, Kentucky First Federal Bancorp (the “Company”) announced its unaudited financial results for the nine and three months ended March 31, 2025. For more information, see the Company’s press release dated May 12, 2025, which is filed as Exhibit 99.1 hereto and is incorporated herein by reference.

Results of Operations and Financial Condition On February 11, 2025, Kentucky First Federal Bancorp (the “Company”) announced its unaudited financial results for the six and three months ended December 31, 2024. For more information, see the Company’s press release dated February 11, 2024, which is filed as Exhibit 99.1 hereto and is incorporated herein by reference.

Results of Operations and Financial Condition On November 12, 2024, Kentucky First Federal Bancorp (the “Company”) announced its unaudited financial results for the three months ended September 30, 2024. For more information, see the Company’s press release dated November 12, 2024, which is filed as Exhibit 99.1 hereto and is incorporated herein by reference.

Results of Operations and Financial Condition On September 18, 2024, the Company issued a press release announcing its financial results for the three months and year ended June 30, 2024. A copy of the press release was furnished as Exhibit 99.1 to the Company’s Current Report on Form 8-K filed on September 18, 2024. In the press release, the Company reported that, for the year ended June 30, 2024, (i) the average rate earned on interest-earning assets increased by 223 basis points to 6.16%,…

Results of Operations and Financial Condition On September 18, 2024, Kentucky First Federal Bancorp (the “Company”) announced its unaudited financial results for the twelve and three months ended June 30, 2024. For more information, see the Company’s press release dated May 10, 2024, which is filed as Exhibit 99.1 hereto and is incorporated herein by reference.

Director — R. Clay Hulette: Appointment of R. Clay Hulette as a director to fill the vacancy created by Tony D. Whitaker's retirement.

Entry into a Material Definitive Agreement On August 13, 2024, First Federal Savings Bank of Kentucky (the “Bank”), the indirect wholly-owned bank subsidiary of Kentucky First Federal Bancorp, entered into a formal written agreement (the “Agreement”) with the Office of the Comptroller of the Currency (the “OCC”), the Bank’s primary federal banking regulator. The Agreement became effective August 13, 2024 and will remain effective until it is amended by the Bank and the OCC, or the OCC modifie…

Chairman — Tony D. Whitaker: Tony D. Whitaker is retiring as Chairman without a named successor.

Results of Operations and Financial Condition On May 10, 2024, Kentucky First Federal Bancorp (the “Company”) announced its unaudited financial results for the three months ended March 31, 2024. For more information, see the Company’s press release dated May 10, 2024, which is filed as Exhibit 99.1 hereto and is incorporated herein by reference.

Results of Operations and Financial Condition On November 10, 2023, Kentucky First Federal Bancorp (the “Company”) announced its unaudited financial results for the three months ended September 30, 2023. For more information, see the Company’s press release dated November 10, 2023, which is filed as Exhibit 99.1 hereto and is incorporated herein by reference.

Other Information. On January 16 2024, Kentucky First Federal Bancorp (the “Company”) announced that the Board of Directors has suspended the payment of the quarterly cash dividend on the Company’s common stock indefinitely. For more information, reference is made to the Company’s press release dated January 16, 2024, a copy of which is included as Exhibit 99.1 and is incorporated herein by reference.

Chief Financial Officer and Vice President — Tyler W. Eades: Tyler W. Eades was promoted to Chief Financial Officer and Vice President, succeeding R. Clay Hulette.

Changes in Registrant’s Certifying Accountant. (a) Previous independent registered public accounting firm On November 22, 2023, Kentucky First Federal Bancorp (the "Company") announced the Audit Committee (the “Audit Committee”) of the Board of Directors of the Company approved the dismissal of its current independent registered public accounting firm, FORVIS, LLP (“FORVIS”) and formally notified FORVIS that they would not be retained as the Company’s independent registered public accounting…

Results of Operations and Financial Condition On November 10, 2023, Kentucky First Federal Bancorp (the “Company”) announced its unaudited financial results for the three months ended September 30, 2023. For more information, see the Company’s press release dated November 10, 2023, which is filed as Exhibit 99.1 hereto and is incorporated herein by reference.