Capitol Federal Savings Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 5.24 percentage points in Q2 2026, from 194.38% to 199.61%. 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). Capitol Federal Savings Bank reported 118.47% on loan-to-deposit ratio for Q2 2026, 30.26 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $8.20B |
| Net loans and leases | $8.17B |
| Loans held for sale | $0 |
| Loans to total assets | 84.69% |
| Loan-to-deposit ratio | 118.47% |
| Net loans to equity capital | 8.35% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.25% |
| Multifamily (5+ residential) | 2.87% |
| Commercial and industrial | 3.20% |
| Consumer | 0.08% |
| Credit cards | 0.00% |
| Farm | 0.05% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 199.61% |
| Construction concentration (Tier 1 capital + allowance) | 27.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 4.45% |
| Interest income on loans | $90.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $8.00B | $6.21B | 10.71% | 1.22% | 0.11% |
| Q4 2023 | $7.98B | $6.13B | 11.02% | 1.25% | 0.11% |
| Q1 2024 | $7.90B | $6.26B | 11.30% | 1.24% | 0.11% |
| Q2 2024 | $7.96B | $6.23B | 12.18% | 1.48% | 0.11% |
| Q3 2024 | $7.93B | $6.26B | 13.21% | 1.46% | 0.11% |
| Q4 2024 | $7.99B | $6.29B | 14.77% | 1.49% | 0.11% |
| Q1 2025 | $7.90B | $6.47B | 14.86% | 1.56% | 0.11% |
| Q2 2025 | $8.05B | $6.50B | 16.07% | 2.13% | 0.10% |
| Q3 2025 | $8.14B | $6.69B | 17.63% | 2.42% | 0.10% |
| Q4 2025 | $8.21B | $6.82B | 18.71% | 2.54% | 0.09% |
| Q1 2026 | $8.14B | $7.01B | 18.70% | 2.71% | 0.08% |
| Q2 2026 | $8.20B | $6.92B | 19.25% | 3.20% | 0.08% |
Capitol Federal Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Capitol Federal Savings Bank, freeSource: Call Report Schedule RC-C, 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)