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
Unfavorable gap of $98.6M · efficiency ratio beats 72% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.91% | 0.93% | 1.27% | 1.52% | Beats 22% | 135 / 174 | | |
| Return on Equity | 8.98% | 9.26% | 11.89% | 14.41% | Beats 22% | 135 / 174 | | |
| Net Interest Margin | 2.18% | 3.22% | 3.56% | 3.91% | Beats 1% | 172 / 174 | | |
| Efficiency Ratio | 52.79% | 51.59% | 59.21% | 67.02% | Beats 72% | 50 / 174 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.62% | 0.29% | 0.60% | 1.26% | Beats 48% | 91 / 174 | | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 88% | 22 / 174 | | |
| Capital |
| Tier 1 Capital Ratio | 9.57% | 11.19% | 12.73% | 14.11% | Beats 2% | 171 / 174 | | |
| Total Risk-Based Capital Ratio | 9.57% | 12.02% | 13.70% | 15.33% | Beats 2% | 171 / 174 | | |
| Equity / Assets | 10.11% | 9.15% | 10.31% | 11.72% | Beats 46% | 94 / 174 | | |
| Liquidity & Funding |
| Loans / Deposits | 118.47% | 80.93% | 90.31% | 97.12% | 99th pctl | 1 / 174 | | |
| Loans / Assets | 84.69% | 69.01% | 75.52% | 80.85% | 91st pctl | 15 / 174 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |