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Capitol Federal Savings Bank

$1B-$10B Specialty: Mortgage KS FDIC cert 27981

Designations: ✓ Community bank

Topeka, KS

46 branches across KS · MO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 20 in KS.
  • Deposits +6.5% year over year ($6.9B on the books).
  • Delinquency rate 0.62%.
  • Return on assets 0.90%.
  • Efficiency ratio 52.68% vs a 59.73% peer average.
  • Loan-to-deposit ratio 118.09% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 20 in KS
View $1B-$10B leaderboard (KS) →

Capitol Federal Savings Bank has 2 strengths but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 7.04% below tier average
  • + Delinquency Rate 0.24% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 2.0% in tier
  • - Capital Thin: Bottom 3.6% in tier
  • - Flatlined Growth: Bottom 22.8% in tier
  • - Net Interest Margin 1.56% below tier average
  • - Loan-to-Deposit Ratio 33.05% above tier average
  • - ROA 0.49% below tier average
Get updates when Capitol Federal Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Total Assets ? $9.7B
-0.3% YoY -1.7% QoQ
+$6.9B $2.8B
-0.6% YoY
$513.9M
+7.1% YoY
$6.3B
+7.7% YoY
Top 0.5% in tier
Total Loans ? $8.2B
+1.8% YoY +0.7% QoQ
+$6.2B $2.0B
-0.3% YoY
$343.7M
+7.8% YoY
$3.2B
+9.4% YoY
Top 0.1% in tier
Total Deposits ? $6.9B
+6.5% YoY -1.3% QoQ
+$4.6B $2.3B
-0.5% YoY
$426.3M
+7.4% YoY
$4.9B
+7.3% YoY
Top 3.6% in tier
Return on Assets ? 0.90%
+28.1% YoY +8.9% QoQ
-0.49% 1.39%
+17.0% YoY
1.56%
+14.6% YoY
1.30%
+12.1% YoY
23%
Net Interest Margin ? 2.31%
+18.0% YoY +1.6% QoQ
-1.56% 3.87%
+6.2% YoY
3.99%
+4.5% YoY
3.95%
+4.9% YoY
Bottom 2.8% in tier
Efficiency Ratio ? 52.68%
-11.5% YoY -0.3% QoQ
-7.04% 59.73%
-12.6% YoY
60.13%
-4.7% YoY
70.05%
+2.5% YoY
70%
Delinquency Rate ? 0.62%
+3.7% YoY -7.5% QoQ
-0.24% 0.87%
+11.7% YoY
0.82%
+9.9% YoY
0.98%
+16.3% YoY
43%
Loan-to-Deposit Ratio ? 118.09%
-4.4% YoY +2.0% QoQ
+33.05% 85.04%
-0.1% YoY
72.94%
+0.4% YoY
79.03%
+2.3% YoY
Bottom 2.6% in tier
Non-Interest-Bearing Deposit Share ? 10.53%
+8.5% YoY -1.3% QoQ
-10.74% 21.27%
-1.5% YoY
22.01%
-1.4% YoY
21.98%
-0.6% YoY
Bottom 11.5% in tier
Nonperforming Asset Ratio ? 0.53%
+5.6% YoY -5.6% QoQ
-0.15% 0.67%
+11.7% YoY
0.53%
+8.8% YoY
0.69%
+15.8% YoY
42%
Tier 1 Capital Ratio ? 9.57%
-1.1% YoY +0.6% QoQ
-5.27% 14.84%
-0.4% YoY
17.75%
-1.2% YoY
17.09%
+0.8% YoY
Bottom 2.3% in tier
Non-Interest Income / Assets ? 0.14%
+15.0% YoY +126.2% QoQ
-0.38% 0.53%
+2.5% YoY
0.59%
-1.1% YoY
0.66%
+5.2% YoY
18%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Noninterest-Bearing 10.5%
+0.8pp YoY
-0.1pp QoQ
 -10.8pp 21.4% 22.3% 22.2% 11%
Brokered Deposits n/a n/a 9.5% 8.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
C&I 3.2%
+1.1pp YoY
+0.5pp QoQ
 -10.8pp 14.0% 12.6% 12.5% 10%
CRE 25.4%
+4.7pp YoY
+0.6pp QoQ
 -24.7pp 50.0% 28.8% 41.4% 8%
1-4 Family 71.5%
-5.7pp YoY
-1.1pp QoQ
 +45.1pp 26.4% 26.7% 31.3% 97%
Consumer 0.1%
0.0pp YoY
0.0pp QoQ
 -4.6pp 4.7% 4.6% 5.0% 10%

Capital

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
CET1 Ratio n/a n/a 15.6% 23.3% 19.7% n/a
Leverage Ratio 9.6%
-0.1pp YoY
+0.1pp QoQ
 -1.7pp 11.3% 12.6% 12.6% 24%
Total Capital Ratio n/a n/a 16.7% 24.4% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Full-Time Employees 662
+15 (+2.3%) YoY
-6 (-0.9%) QoQ
 +348 313 70 482 92%
Assets per Employee ($) $14.6M
-2.5% YoY
-0.8% QoQ
 +$4.1M $10.5M $7.1M $8.8M 88%
Branch Count 46
0 YoY
0 QoQ
 +26 20 6 18 92%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.4% 0.4% n/a
Nonaccrual 0.6%
0.0pp YoY
-0.1pp QoQ
 -0.2pp 0.8% 0.8% 1.0% 58%
Allowance Coverage 0.51x
+8.5% YoY
+5.4% QoQ
 -18.20x 18.71x 22.44x 20.23x 7%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 24%

Profitability

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
ROE 8.9%
+2.0pp YoY
+0.7pp QoQ
 -3.7pp 12.6% 14.3% 11.6% 26%
Cost of Funds (YTD) 2.3%
-0.1pp YoY
0.0pp QoQ
 +0.4pp 1.9% 1.6% 1.7% 77%
Net Income ($, YTD) $43.9M
+29.6% YoY
— QoQ
 +$24.7M $19.2M $3.7M $40.4M 91%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Credit Risk Growth

risk
#9 of 402 • Bottom 2.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Capital Thin

risk
#9 of 222 • Bottom 3.6% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.57%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Flatlined Growth

risk
#38 of 162 • Bottom 22.8% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.90%
(Tier: 1.39%, National: 1.30%)
worse than tier avg
162 of 162 Mid-Market banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

1
Total Loans
size
Value: $8.17B
Peer Median: $1.96B
#1 of 885 Top 0.1% in $1B-$10B
5
Total Assets
size
Value: $9.68B
Peer Median: $2.79B
#5 of 885 Top 0.5% in $1B-$10B
33
Total Deposits
size
Value: $6.92B
Peer Median: $2.32B
#33 of 885 Top 3.6% in $1B-$10B

Top Weaknesses (6 metrics)

866
Tier 1 Capital Ratio
capital
Value: 9.57%
Peer Median: 14.84%
#866 of 885 Bottom 2.3% in $1B-$10B
863
Loan-to-Deposit Ratio
liquidity
Value: 118.09%
Peer Median: 85.04%
#863 of 885 Bottom 2.6% in $1B-$10B
861
Net Interest Margin
profitability
Value: 2.31%
Peer Median: 3.87%
#861 of 885 Bottom 2.8% in $1B-$10B
784
Non-Interest-Bearing Deposit Share
funding
Value: 10.53%
Peer Median: 21.27%
#784 of 885 Bottom 11.5% in $1B-$10B
729
Non-Interest Income / Assets
revenue_mix
Value: 0.14%
Peer Median: 0.53%
#729 of 885 Bottom 17.7% in $1B-$10B
680
Return on Assets
profitability
Value: 0.90%
Peer Median: 1.39%
#680 of 885 Bottom 23.3% in $1B-$10B
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