BlastPoint's Banking Scorecard

Capitol Federal Savings Bank

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

Designations: ✓ Community bank

Topeka, KS

46 branches across KS · MO

884 banks in the $1B-$10B peer group nationally 20 in 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 8.24% below tier average
+ Delinquency Rate 0.21% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 5.0% in tier
- Flatlined Growth: Bottom 31.3% in tier
- Credit Risk Growth: Bottom 40.2% in tier
- Net Interest Margin 1.55% below tier average
- Loan-to-Deposit Ratio 31.60% above tier average
- ROA 0.54% below tier average

Get updates when Capitol Federal Savings Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$9.8B +1.1% YoY +0.5% QoQ	+$7.0B	$2.8B -0.1% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	Top 0.8% in tier
Total Loans ?	$8.1B +3.0% YoY -0.8% QoQ	+$6.2B	$2.0B +0.6% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	Top 0.1% in tier
Total Deposits ?	$7.0B +8.2% YoY +2.7% QoQ	+$4.7B	$2.3B -0.3% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	Top 3.5% in tier
Return on Assets ?	0.82% +28.5% YoY +9.0% QoQ	-0.54%	1.37% +19.6% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	22%
Net Interest Margin ?	2.27% +18.0% YoY +9.8% QoQ	-1.55%	3.82% +6.9% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	Bottom 3.4% in tier
Efficiency Ratio ?	52.82% -12.7% YoY -7.7% QoQ	-8.24%	61.06% -4.6% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	70%
Delinquency Rate ?	0.68% +382.7% YoY +13.4% QoQ	-0.21%	0.89% +14.1% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	42%
Loan-to-Deposit Ratio ?	115.80% -4.8% YoY -3.5% QoQ	+31.60%	84.20% +0.3% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	Bottom 2.9% in tier
Non-Interest-Bearing Deposit Share ?	10.67% +6.3% YoY +5.7% QoQ	-10.62%	21.29% -2.5% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	Bottom 13.2% in tier
Nonperforming Asset Ratio ?	0.56% +393.2% YoY +11.2% QoQ	-0.12%	0.67% +15.6% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	40%
Tier 1 Capital Ratio ?	9.51% +0.1% YoY -0.2% QoQ	-5.65%	15.16% +2.0% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	Bottom 1.8% in tier
Non-Interest Income / Assets ?	0.06% +6.9% YoY -75.5% QoQ	-0.19%	0.26% +1.6% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	16%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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)

Capital Thin

risk

#12 of 221 • Bottom 5.0% 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: 9.51%

(Tier: 15.16%, National: 17.06%)

worse than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Flatlined Growth

risk

#48 of 150 • Bottom 31.3% 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: 0.82%

(Tier: 1.37%, National: 1.23%)

worse than tier avg

150 of 150 Mid-Market banks match · 687 nationally

→ Stable +32 banks QoQ

Credit Risk Growth

risk

#170 of 420 • Bottom 40.2% in tier

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

420 of 420 Mid-Market banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank declining

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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (3 metrics)

Total Loans

size

Value: $8.12B

Peer Median: $1.96B

#1 of 884 Top 0.1% in $1B-$10B

Total Assets

size

Value: $9.84B

Peer Median: $2.82B

#8 of 884 Top 0.8% in $1B-$10B

Total Deposits

size

Value: $7.01B

Peer Median: $2.34B

#32 of 884 Top 3.5% in $1B-$10B

Top Weaknesses (6 metrics)

869

Tier 1 Capital Ratio

capital

Value: 9.51%

Peer Median: 15.16%

#869 of 884 Bottom 1.8% in $1B-$10B

859

Loan-to-Deposit Ratio

liquidity

Value: 115.80%

Peer Median: 84.20%

#859 of 884 Bottom 2.9% in $1B-$10B

855

Net Interest Margin

profitability

Value: 2.27%

Peer Median: 3.82%

#855 of 884 Bottom 3.4% in $1B-$10B

768

Non-Interest-Bearing Deposit Share

funding

Value: 10.67%

Peer Median: 21.29%

#768 of 884 Bottom 13.2% in $1B-$10B

744

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.26%

#744 of 884 Bottom 16.0% in $1B-$10B

693

Return on Assets

profitability

Value: 0.82%

Peer Median: 1.37%

#693 of 884 Bottom 21.7% in $1B-$10B