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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | 0.53% | 0.64% | 0.70% | 0.73% | 0.76% | 0.82% | 0.90% | +20 bps | |
| Return on Equity | 4.99% | 5.37% | 6.42% | 6.95% | 7.18% | 7.47% | 8.20% | 8.92% | +196 bps | |
| Net Interest Margin | 1.70% | 1.72% | 1.82% | 1.85% | 1.88% | 1.93% | 2.15% | 2.18% | +33 bps | |
| Efficiency Ratio | 61.32% | 60.51% | 60.50% | 59.53% | 58.70% | 57.26% | 52.82% | 52.68% | -684 bps | |
| Non-Interest Burden | 0.95% | 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 / Loans | 0.13% | 0.14% | 0.14% | 0.60% | 0.59% | 0.59% | 0.67% | 0.62% | +2 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.29% | 0.31% | 0.30% | 0.28% | 0.30% | 0.30% | 0.33% | 0.32% | +4 bps | |
| Allowance Coverage of NPLs | 2.2x | 2.2x | 2.2x | 0.5x | 0.5x | 0.5x | 0.5x | 0.5x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.21% | 9.38% | 9.50% | 9.68% | 9.60% | 9.53% | 9.51% | 9.57% | -11 bps | |
| Total Risk-Based Capital | 9.21% | 9.38% | 9.50% | 9.68% | 9.60% | 9.53% | 9.51% | 9.57% | -11 bps | |
| Equity / Assets | 9.94% | 9.99% | 10.02% | 10.26% | 10.19% | 10.15% | 9.98% | 10.11% | -15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 126.77% | 127.03% | 122.04% | 123.88% | 121.67% | 120.31% | 116.18% | 118.47% | -542 bps | |
| Liquid Assets / Assets | 2.02% | 1.47% | 3.32% | 1.55% | 2.35% | 2.15% | 3.20% | 1.22% | -33 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 196.58% | 214% | 216% | n/a | n/a | |