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
Unfavorable gap of $98.6M · efficiency ratio beats 75% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.91% | 0.93% | 1.26% | 1.54% | Beats 22% | 137 / 176 | |
| Return on Equity | 8.98% | 9.26% | 11.89% | 14.46% | Beats 23% | 136 / 176 | |
| Net Interest Margin | 2.18% | 3.25% | 3.59% | 3.93% | Beats 1% | 175 / 176 | |
| Efficiency Ratio | 52.79% | 52.79% | 59.55% | 67.66% | Beats 75% | 45 / 176 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.62% | 0.30% | 0.64% | 1.32% | Beats 51% | 87 / 176 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.04% | 0.10% | Beats 89% | 20 / 176 | |
| Capital |
| Tier 1 Capital Ratio | 9.57% | 11.15% | 12.72% | 14.15% | Beats 2% | 172 / 176 | |
| Total Risk-Based Capital Ratio | 9.57% | 11.81% | 13.63% | 15.33% | Beats 2% | 172 / 176 | |
| Equity / Assets | 10.11% | 9.16% | 10.35% | 11.80% | Beats 45% | 97 / 176 | |
| Liquidity & Funding |
| Loans / Deposits | 118.47% | 80.94% | 89.73% | 97.21% | 99th pctl | 1 / 176 | |
| Loans / Assets | 84.69% | 69.25% | 75.12% | 80.82% | 91st pctl | 16 / 176 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |