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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=176). 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

16

Q2 2024Q2 2026peer median (50)

Asset Quality

70

Q2 2024Q2 2026peer median (50)

Profitability

15

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

75

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 2026-10-11

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 $0.0BQ3 2024Q2 2026
Deposit mix
89%Interest-bearing $6.2B11%Noninterest $0.7BQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.49%0.53%0.64%0.70%0.73%0.76%0.82%0.90%+20 bps
Return on Equity4.99%5.37%6.42%6.95%7.18%7.47%8.20%8.92%+196 bps
Net Interest Margin1.70%1.72%1.82%1.85%1.88%1.93%2.15%2.18%+33 bps
Efficiency Ratio61.32%60.51%60.50%59.53%58.70%57.26%52.82%52.68%-684 bps
Non-Interest Burden0.95%0.95%1.01%1.00%1.00%0.99%1.01%1.01%+1 bps
Growth
Asset Growth (YoY)-6.31%-0.37%0.05%0.90%2.61%2.56%1.08%-0.28%-119 bps
Loan Growth (YoY)-0.80%0.09%-0.03%1.10%2.59%2.77%3.04%1.80%+70 bps
Deposit Growth (YoY)0.70%2.61%3.50%4.32%6.90%8.51%8.24%6.46%+213 bps
Asset Quality
Nonperforming Loans / Loans0.13%0.14%0.14%0.60%0.59%0.59%0.67%0.62%+2 bps
Net Charge-Offs / Loans0.00%0.00%0.01%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.29%0.31%0.30%0.28%0.30%0.30%0.33%0.32%+4 bps
Allowance Coverage of NPLs2.2x2.2x2.2x0.5x0.5x0.5x0.5x0.5x0.0x
Capital
Tier 1 Leverage Ratio9.21%9.38%9.50%9.68%9.60%9.53%9.51%9.57%-11 bps
Total Risk-Based Capital9.21%9.38%9.50%9.68%9.60%9.53%9.51%9.57%-11 bps
Equity / Assets9.94%9.99%10.02%10.26%10.19%10.15%9.98%10.11%-15 bps
Liquidity & Funding
Loans / Deposits126.77%127.03%122.04%123.88%121.67%120.31%116.18%118.47%-542 bps
Liquid Assets / Assets2.02%1.47%3.32%1.55%2.35%2.15%3.20%1.22%-33 bps
CRE / Total Capitaln/an/an/an/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 2026-10-11

Capitol Federal Savings Bank

Topeka, KS · Cert 27981 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · 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 89% of banks $1B-$10B in assets operating regionally (rank 20 of 176).
  • Widest gap: net interest margin trails 99% of banks $1B-$10B in assets operating regionally (rank 175 of 176).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.91%

Rank 137 of 176

Net Interest Margin

2.18%

Rank 175 of 176

Efficiency Ratio

52.79%

Rank 45 of 176

Equity / Assets

10.11%

Rank 97 of 176

Non-interest income vs. expense

$27.8M$126.4MINCOMEEXPENSE
Unfavorable gap of $98.6M · efficiency ratio beats 75% of banks $1B-$10B in assets operating regionally
Bank 52.79%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.91%0.93%1.26%1.54%Beats 22%137 / 176
Return on Equity8.98%9.26%11.89%14.46%Beats 23%136 / 176
Net Interest Margin2.18%3.25%3.59%3.93%Beats 1%175 / 176
Efficiency Ratio52.79%52.79%59.55%67.66%Beats 75%45 / 176
Asset Quality
Nonperforming Loans / Loans0.62%0.30%0.64%1.32%Beats 51%87 / 176
Net Charge-Offs / Loans0.00%0.01%0.04%0.10%Beats 89%20 / 176
Capital
Tier 1 Capital Ratio9.57%11.15%12.72%14.15%Beats 2%172 / 176
Total Risk-Based Capital Ratio9.57%11.81%13.63%15.33%Beats 2%172 / 176
Equity / Assets10.11%9.16%10.35%11.80%Beats 45%97 / 176
Liquidity & Funding
Loans / Deposits118.47%80.94%89.73%97.21%99th pctl1 / 176
Loans / Assets84.69%69.25%75.12%80.82%91st pctl16 / 176
Brokered Deposits / Depositsn/aNot reported for this institution