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  <xs:element id="kffb_AcquiredLoan" name="AcquiredLoan" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xs:element id="kffb_LoanPastDue" name="LoanPastDue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xs:element id="kffb_OneToFourfamilyLoansMember" name="OneToFourfamilyLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="kffb_CertainLoanAcquiredInTransferAccretableYield" name="CertainLoanAcquiredInTransferAccretableYield" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xs:element id="kffb_CertainLoanAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion" name="CertainLoanAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xs:element id="kffb_FinancingReceivablesRecordedInvestmentPastDue" name="FinancingReceivablesRecordedInvestmentPastDue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xs:element id="kffb_FinancingReceivablesRecordedInvestmentCurrent" name="FinancingReceivablesRecordedInvestmentCurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xs:element id="kffb_LoansAndLeasesReceivableGrossCarryingAmount1" name="LoansAndLeasesReceivableGrossCarryingAmount1" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xs:element id="kffb_FinancialReceivablePass" name="FinancialReceivablePass" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xs:element id="kffb_FinancialReceivablesSpecialMention" name="FinancialReceivablesSpecialMention" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xs:element id="kffb_FinancialReceivablesSubstandard" name="FinancialReceivablesSubstandard" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xs:element id="kffb_FinancialReceivablesDoubtful" name="FinancialReceivablesDoubtful" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xs:element id="kffb_ScheduleOfBalanceSheetsLineItems" name="ScheduleOfBalanceSheetsLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
</xs:schema>
