Capitol Federal Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Capitol Federal Savings Bank is an FDIC-insured savings institution headquartered in Topeka, KS, established in 1893 (FDIC certificate 27981), and it is supervised by the OCC. At Q2 2026 it reported total assets of $9.68B, down 0.3% from Q2 2025, the largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.57% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 27981
- Headquarters
- Topeka, KS
- Established
- 1893
- Total assets, Q2 2026
- $9.68B
- Assets vs Q2 2025
- -0.3%
- Tier 1 leverage ratio, Q2 2026
- 9.57%
- Domestic offices
- 46 FDIC institution directory, current count
- Routing number
- 301171285
- Latest call report
- Q2 2026, FFIEC 041 · Capitol Federal Savings Bank call report
- Holding company
- CAPITOL FEDERAL FINANCIAL, INC.
- Asset rank in state
- 1st of 182 in Kansas
Capitol Federal Savings Bank, based in Topeka, Kansas, reported $9.7 billion in assets at June 30, 2026. It keeps 2.31 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). On the other hand, it holds 11% of its deposits (11%) above the FDIC insurance limit, about a third the median of 30.9% for banks its size.
Net income for the quarter rose 28% from a year earlier, to $24 million. Over the same year, loans grew 1.8% and deposits grew 6.5%. Where it has less room is capital: it funds 9.57% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.52%).
As of June 30, 2026, Capitol Federal Savings Bank reported a return on assets of 0.97%, a nonperforming-loan ratio of 0.62% and a Texas ratio of 5.13%. The figures come from its call report filed with the FFIEC.
Of the 182 banks headquartered in Kansas, Capitol Federal Savings Bank is the largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.7% to $9.68B, loans rose 0.7% and deposits fell 1.3%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 71.3% of total loans, ahead of non-owner-occupied commercial real estate loans at 17.1%. The FDIC Summary of Deposits lists 46 offices for it, in 19 cities across 2 states; its Topeka 10 offices book 34% of its branch deposits. By the capital ratios in its Q2 2026 call report, Capitol Federal Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 700 S Kansas Ave, Topeka, KS 66603
- County
- Shawnee
- Metro Area
- Topeka, KS
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- —
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1893
- Domestic offices
- 46 FDIC institution directory, current count
- Employees (FTE)
- 662
- Domestic deposits
- $6.92B
- Allowance for credit losses
- $26.1M
- Net charge-offs (YTD)
- $185K
- Average total assets
- $9.75B
- Average total loans
- $8.17B
- Average interest-bearing deposits
- $6.26B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 27981
- Fed RSSD
- 968070
- SEC CIK
- 1490906 → filed by CAPITOL FEDERAL FINANCIAL, INC.
- Website
- www.capfed.com →
- Parent Holding Company
- CAPITOL FEDERAL FINANCIAL, INC. (RSSD 4226910) · CFFN
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| John B Dicus | CEO | Chairman, President and CEO |
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Capitol Federal Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Capitol Federal Savings Bank's total assets ranged from $9.54B (Q3 2024) to $10.18B (Q3 2023), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$9.68B total assets against $9.70B; $8.70B total liabilities against $8.71B.
$8.17B net loans and leases against $8.03B; $6.92B total deposits against $6.50B.
$783.6M securities against $956.2M; $151.7M cash and balances due against $186.9M.
$105.4M total interest income against $99.8M; $51.9M total interest expense against $54.6M.
$53.4M net interest income against $45.3M.
$7.6M total noninterest income against $6.3M; $32.2M total noninterest expense against $30.4M.
-$432K provision for credit losses against -$452K.
$23.7M net income against $18.4M.
0.97% return on assets against 0.76%; 2.31% net interest margin against 1.97%.
9.57% tier 1 leverage ratio against 9.68%.
Inside the full Capitol Federal Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Capitol Federal Savings Bank rankings
Its closest position to the top of a national ranking is 161 of 4,196, for total assets; its furthest is 928 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.50% (Q3 2024) to 0.97% (Q2 2026) and its net interest margin ran from 1.78% (Q3 2024) to 2.31% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.57% | 0.97% | 0.62% | 5.13% | 2.31% |
| Q1 2026 | 9.51% | 0.83% | 0.67% | 5.49% | 2.25% |
| Q4 2025 | 9.53% | 0.84% | 0.59% | 4.87% | 2.19% |
| Q3 2025 | 9.60% | 0.77% | 0.59% | 4.76% | 2.09% |
| Q2 2025 | 9.68% | 0.76% | 0.60% | 4.80% | 1.97% |
| Q1 2025 | 9.50% | 0.64% | 0.14% | 1.11% | 1.90% |
| Q4 2024 | 9.38% | 0.65% | 0.14% | 1.19% | 1.84% |
| Q3 2024 | 9.21% | 0.50% | 0.13% | 1.08% | 1.78% |
Swipe the table sideways to see every column.
Branch Network
View all 46 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Capitol Federal Savings Bank (main office) | Topeka , KS | 66603 | $1.43B |
| Nall Hills Branch | Overland Park , KS | 66207 | $374.0M |
| Old Metcalf Branch | Overland Park , KS | 66223 | $340.6M |
| West Lawrence Branch | Lawrence , KS | 66044 | $301.8M |
| East Olathe Branch | Olathe , KS | 66062 | $260.6M |
| Wanamaker Branch | Topeka , KS | 66614 | $242.5M |
| College Blvd Branch | Overland Park , KS | 66210 | $234.3M |
| Lenexa Branch | Lenexa , KS | 66219 | $228.0M |
| Mission Branch | Mission , KS | 66202 | $224.9M |
| Shawnee Branch | Shawnee , KS | 66203 | $212.8M |
| Olathe Branch | Olathe , KS | 66061 | $198.3M |
| Manhattan Branch | Manhattan , KS | 66502 | $187.4M |
| State Line Branch | Prairie Village , KS | 66208 | $185.4M |
| Hobbs Taylor Branch | Lawrence , KS | 66044 | $179.9M |
| Shawnee Crossings Branch | Shawnee , KS | 66226 | $169.6M |
| Santa Fe Branch | Overland Park , KS | 66212 | $163.7M |
| Fairlawn Branch | Topeka , KS | 66614 | $162.2M |
| Northwest Wichita Branch | Wichita , KS | 67212 | $148.0M |
| Emporia Branch | Emporia , KS | 66801 | $133.1M |
| South Topeka Branch | Topeka , KS | 66611 | $115.1M |
| Salina Branch | Salina , KS | 67401 | $111.6M |
| Bradley Fair Branch | Wichita , KS | 67206 | $110.7M |
| East Wichita Branch | Wichita , KS | 67206 | $106.6M |
| North Topeka Branch | Topeka , KS | 66618 | $99.7M |
| Lawrence Free State Branch | Lawrence , KS | 66049 | $98.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 1, 2018 | Structure Change | Acquired Capital City Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 31, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 16, 1991 | Structure Change | Acquired Mid Kansas Savings and Loan Association, F.A. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 31, 1983 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 9, 1983 | Structure Change | Acquired Southwest Federal Savings & Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 5 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 2 against individuals associated with it
- Period: Most recent action September 22, 2000. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 6.4% of deposits in KS, rank 2 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 2,174 applications, 1,595 loans originated, $679.6M originated, across 12 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $1.7M approved, $826K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Capitol Federal Savings Bank
What are Capitol Federal Savings Bank's total assets?
As of the Q2 2026 filing, Capitol Federal Savings Bank reported total assets of $9.68 billion in its FFIEC call report.
Where is Capitol Federal Savings Bank headquartered?
It is headquartered in Topeka, KS, United States.
When was Capitol Federal Savings Bank founded?
It was established in 1893, per the FDIC institution directory.
Is Capitol Federal Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #27981). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Capitol Federal Savings Bank?
Capitol Federal Savings Bank's primary federal regulator is the OCC.
How many branches does Capitol Federal Savings Bank operate?
It operates 46 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Capitol Federal Savings Bank's Texas Ratio?
Its Texas Ratio is 5.13% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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