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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 0.97%, up 21 bps year over year; NIM at 2.20%.
  • Asset quality: problem loans at 0.62% of loans (+2 bps YoY), with net charge-offs at 0.01%.
  • 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 (quarter, annualized)

0.97%+21 bps YoY

Net Interest Margin (quarter, annualized)

2.20%+31 bps YoY

Efficiency Ratio (quarter, annualized)

52.55%-605 bps YoY

Tier 1 Leverage Ratio

9.57%-11 bps YoY

NIM

3.97%Q2 ’244.14%Q2 ’254.32%Q2 ’26+12%+17%

Non-interest income vs. expense

1.20%Q2 ’241.26%Q2 ’251.32%Q2 ’26+4%+1%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.50%0.65%0.64%0.76%0.78%0.85%0.82%0.97%+21 bps
Return on Equity5.05%6.50%6.42%7.47%7.58%8.33%8.20%9.65%+218 bps
Net Interest Margin1.70%1.76%1.82%1.89%2.00%2.10%2.15%2.20%+31 bps
Efficiency Ratio59.58%58.15%60.50%58.60%57.21%53.34%52.82%52.55%-605 bps
Non-Interest Burden0.92%0.92%1.01%1.00%1.02%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%0.01%0.00%0.01%+1 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