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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=174). 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

68

Q2 2024Q2 2026peer median (50)

Profitability

15

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

72

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=174) · 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 22 of 174).
  • Widest gap: net interest margin trails 99% of banks $1B-$10B in assets operating regionally (rank 172 of 174).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.91%

Rank 135 of 174

Net Interest Margin

2.18%

Rank 172 of 174

Efficiency Ratio

52.79%

Rank 50 of 174

Equity / Assets

10.11%

Rank 94 of 174

Non-interest income vs. expense

$27.8M$126.4MINCOMEEXPENSE
Unfavorable gap of $98.6M · efficiency ratio beats 72% of banks $1B-$10B in assets operating regionally
Bank 52.79%Peer median 59.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.91%0.93%1.27%1.52%Beats 22%135 / 174
Return on Equity8.98%9.26%11.89%14.41%Beats 22%135 / 174
Net Interest Margin2.18%3.22%3.56%3.91%Beats 1%172 / 174
Efficiency Ratio52.79%51.59%59.21%67.02%Beats 72%50 / 174
Asset Quality
Nonperforming Loans / Loans0.62%0.29%0.60%1.18%Beats 48%91 / 174
Net Charge-Offs / Loans0.00%0.01%0.03%0.10%Beats 88%22 / 174
Capital
Tier 1 Capital Ratio9.57%11.19%12.82%14.11%Beats 2%171 / 174
Total Risk-Based Capital Ratio9.57%11.81%13.70%15.33%Beats 2%171 / 174
Equity / Assets10.11%9.15%10.31%11.72%Beats 46%94 / 174
Liquidity & Funding
Loans / Deposits118.47%80.93%90.31%97.12%99th pctl1 / 174
Loans / Assets84.69%69.01%75.52%80.85%91st pctl15 / 174
Brokered Deposits / Depositsn/aNot reported for this institution