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Capitol Federal Savings Bank

Topeka, KS · Cert 27981 · Capitol Federal Financial Inc.

State savings bank · OCC · 46 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating regionally (n=178). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

17

Q2 2024Q2 2026peer median (50)

Asset Quality

69

Q2 2024Q2 2026peer median (50)

Profitability

16

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

73

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Capitol Federal Savings Bank

Topeka, KS · Cert 27981 · Capitol Federal Financial Inc.

State savings bank · OCC · 46 branches

Q2 2026

$9.7BAssets
$8.2BLoans
$6.9BDeposits
$978.0MEquity
Loan mix
97%RE $7.9B3%C&I $0.2B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
89%Interest-bearing $6.2B11%Noninterest $0.7BQ2 2025Q2 2026

NIM

3.93%Q2 ’244.11%Q2 ’254.31%Q2 ’26+9%+18%

Non-interest income vs. expense

1.20%Q2 ’241.25%Q2 ’251.30%Q2 ’26+4%+1%

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 3.0% share · #8 of 114 inst. · $2.9B of $99.1B

10.4% Johnson
39.8% Shawnee
16.3% Douglas
2.8% Sedgwick

Executive Summary

  • Earnings: ROA of 0.90%, up 20 bps year over year; NIM at 2.18%.
  • Asset quality: problem loans at 0.62% of loans (+2 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.57%, down 11 bps from a year ago.
  • Funding: loans stand at 118.47% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.90%+20 bps YoY

Net Interest Margin (YTD, annualized)

2.18%+33 bps YoY

Efficiency Ratio (YTD, annualized)

52.68%-684 bps YoY

Tier 1 Leverage Ratio

9.57%-11 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.70%0.73%0.76%0.82%0.90%+20 bps
Return on Equity6.95%7.18%7.47%8.20%8.92%+196 bps
Net Interest Margin1.85%1.88%1.93%2.15%2.18%+33 bps
Efficiency Ratio59.53%58.70%57.26%52.82%52.68%-684 bps
Non-Interest Burden1.00%1.00%0.99%1.01%1.01%+1 bps
Growth
Asset Growth (YoY)0.90%2.61%2.56%1.08%-0.28%-119 bps
Loan Growth (YoY)1.10%2.59%2.77%3.04%1.80%+70 bps
Deposit Growth (YoY)4.32%6.90%8.51%8.24%6.46%+213 bps
Asset Quality
Nonperforming Loans / Loans0.60%0.59%0.59%0.67%0.62%+2 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.28%0.30%0.30%0.33%0.32%+4 bps
Allowance Coverage of NPLs0.5x0.5x0.5x0.5x0.5x0.0x
Capital
Tier 1 Leverage Ratio9.68%9.60%9.53%9.51%9.57%-11 bps
Total Risk-Based Capital9.68%9.60%9.53%9.51%9.57%-11 bps
Equity / Assets10.26%10.19%10.15%9.98%10.11%-15 bps
Liquidity & Funding
Loans / Deposits123.88%121.67%120.31%116.18%118.47%-542 bps
Liquid Assets / Assets1.55%2.35%2.15%3.20%1.22%-33 bps
CRE / Total Capitaln/a196.58%214%216%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Capitol Federal Savings Bank

Topeka, KS · Cert 27981 · Peer group: banks $1B-$10B in assets operating regionally (n=178) · Capitol Federal Financial Inc.

State savings bank · OCC · 46 branches

Q2 2026

$9.7BAssets
$8.2BLoans
$6.9BDeposits
$978.0MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 88% of banks $1B-$10B in assets operating regionally (rank 23 of 178).
  • Widest gap: net interest margin trails 99% of banks $1B-$10B in assets operating regionally (rank 176 of 178).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.91%

Rank 136 of 178

Net Interest Margin

2.18%

Rank 176 of 178

Efficiency Ratio

52.79%

Rank 49 of 178

Equity / Assets

10.11%

Rank 97 of 178

Non-interest income vs. expense

$27.8M$126.4MINCOMEEXPENSE
Unfavorable gap of $98.6M · efficiency ratio beats 73% of banks $1B-$10B in assets operating regionally
Bank 52.79%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.91%0.91%1.25%1.53%Beats 24%136 / 178
Return on Equity8.98%9.18%11.89%14.44%Beats 24%136 / 178
Net Interest Margin2.18%3.22%3.56%3.91%Beats 1%176 / 178
Efficiency Ratio52.79%52.04%58.90%67.10%Beats 73%49 / 178
Asset Quality
Nonperforming Loans / Loans0.62%0.29%0.60%1.26%Beats 49%91 / 178
Net Charge-Offs / Loans0.00%0.01%0.03%0.10%Beats 88%23 / 178
Capital
Tier 1 Capital Ratio9.57%11.19%12.72%14.14%Beats 2%175 / 178
Total Risk-Based Capital Ratio9.57%11.91%13.63%15.33%Beats 2%175 / 178
Equity / Assets10.11%9.12%10.35%11.80%Beats 46%97 / 178
Liquidity & Funding
Loans / Deposits118.47%80.94%89.92%97.12%99th pctl1 / 178
Loans / Assets84.69%69.25%75.52%80.96%90th pctl17 / 178
Brokered Deposits / Depositsn/aNot reported for this institution