Capitol Federal Savings Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Cash and balances due from depository institutions dropped 56.2% in Q2 2026, from $346.2M to $151.7M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Capitol Federal Savings Bank ranks 6th highest among the 182 banks headquartered in Kansas, at 118.47% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Capitol Federal Savings Bank sits 30.26 points higher, at 118.47% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $151.7M |
| Cash and noninterest-bearing balances to assets | 1.57% |
| Cash and securities | $935.3M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $1.67B |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 17.23% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 118.47% |
| Net loans and leases to deposits | 118.09% |
| Loans and leases to core deposits | 128.26% |
| Core deposits to total deposits | 92.36% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 128.69% | 91.85% | $0 | $2.91B |
| Q4 2023 | 130.23% | 91.96% | $0 | $2.41B |
| Q1 2024 | 126.35% | 91.52% | $0 | $2.39B |
| Q2 2024 | 127.83% | 91.82% | $0 | $2.33B |
| Q3 2024 | 126.77% | 92.03% | $0 | $2.21B |
| Q4 2024 | 127.03% | 92.51% | $0 | $2.20B |
| Q1 2025 | 122.04% | 92.66% | $0 | $2.18B |
| Q2 2025 | 123.88% | 91.82% | $0 | $2.10B |
| Q3 2025 | 121.67% | 91.53% | $0 | $1.98B |
| Q4 2025 | 120.31% | 91.64% | $0 | $1.86B |
| Q1 2026 | 116.18% | 92.14% | $0 | $1.74B |
| Q2 2026 | 118.47% | 92.36% | $0 | $1.67B |
Capitol Federal Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Capitol Federal Savings Bank, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Capitol Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27981) · FFIEC NIC profile (RSSD 968070)