Topeka, KS · Cert 27981 · Capitol Federal Financial Inc.
State savings bank · OCC · 46 branches
Q2 2026
Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 3.0% share · #8 of 114 inst. · $2.9B of $99.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.76% | 0.78% | 0.85% | 0.82% | 0.97% | +21 bps | |
| Return on Equity | 7.47% | 7.58% | 8.33% | 8.20% | 9.65% | +218 bps | |
| Net Interest Margin | 1.89% | 2.00% | 2.10% | 2.15% | 2.20% | +31 bps | |
| Efficiency Ratio | 58.60% | 57.21% | 53.34% | 52.82% | 52.55% | -605 bps | |
| Non-Interest Burden | 1.00% | 1.02% | 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 / Loans | 0.60% | 0.59% | 0.59% | 0.67% | 0.62% | +2 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.00% | 0.01% | +1 bps | |
| Allowance / Loans | 0.28% | 0.30% | 0.30% | 0.33% | 0.32% | +4 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.5x | 0.5x | 0.5x | 0.5x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.68% | 9.60% | 9.53% | 9.51% | 9.57% | -11 bps | |
| Total Risk-Based Capital | 9.68% | 9.60% | 9.53% | 9.51% | 9.57% | -11 bps | |
| Equity / Assets | 10.26% | 10.19% | 10.15% | 9.98% | 10.11% | -15 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 123.88% | 121.67% | 120.31% | 116.18% | 118.47% | -542 bps | |
| Liquid Assets / Assets | 1.55% | 2.35% | 2.15% | 3.20% | 1.22% | -33 bps | |
| CRE / Total Capital | n/a | 196.58% | 214% | 216% | n/a | n/a | |