KFFB Kentucky First Federal Bancorp - 8-K

Item 1.02 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 Agreement was disclosed in the Company’s Current Report on Form 8-K filed on August 15, 2024,
which summary is qualified in its entirety by reference to the full text of the Agreement filed as Exhibit 10.1 thereto.

As a result of the termination of the
Agreement, the Bank is no longer considered to be in “troubled condition” pursuant to 12 C.F.R. § 5.51(c)(7)(ii) and
is an “eligible savings association” for purposes of 12 C.F.R. § 5.3.

In addition to terminating the Agreement,
the OCC has also lifted the individual minimum capital requirements imposed on the Bank in connection with the Agreement.

A copy of the Company’s press
release announcing the termination of the Agreement is included as Exhibit 99.1 and is incorporated by reference herein.

Item 9.01 Financial Statements and
Exhibits

Exhibit No.

Description

99.1

Press Release dated February 19, 2026

104

Cover Page Interactive Data File (embedded within the Inline XBRL document)

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