Capitol Federal Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Capitol Federal Savings Bank of Topeka, KS against its peer group of 927 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.97% | 1.46% | -0.49% | 28th below |
| ROAE | 9.65% | 12.70% | -3.05% | 29th below |
| Net Interest Margin | 2.31% | 3.85% | -1.54% | 3rd bottom |
| Efficiency Ratio | 52.55% | 57.42% | -4.87% | 68th above |
| PPNR / Avg Assets | 1.19% | 1.88% | -0.69% | 23rd bottom |
| Yield on Earning Assets | 4.55% | 5.72% | -1.17% | 8th bottom |
| Cost of Funds | 2.39% | 2.01% | +0.38% | 25th below |
| Net Interest Spread | 1.93% | 3.19% | -1.26% | 6th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.74% | 1.00% | -0.26% | 43rd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.62% | 0.76% | -0.14% | 41st below |
| NCO / Avg Loans | 0.01% | 0.43% | -0.42% | 64th above |
| ACL / Total Loans | 0.32% | 1.31% | -0.99% | 1st bottom |
| ACL / NPLs (Coverage) | 43.27% | 566.36% | -523.09% | 7th bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.06% | 7.39% | -1.33% | 41st below |
| Provision / NCO | 927.57% | 617.17% | +310.40% | 85th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.57% | 11.44% | -1.87% | 24th bottom |
| Equity / Assets | 10.11% | 11.34% | -1.23% | 45th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.02% | 10.50% | -0.48% | 56th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 118.47% | 86.84% | +31.63% | 3rd bottom |
| Core Deposit Ratio | 92.36% | 85.53% | +6.83% | 71st above |
| Uninsured Deposit Ratio | 11.15% | 33.21% | -22.06% | 96th top |
| Wholesale Funding Ratio | 17.23% | 5.65% | +11.58% | 5th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.28% | 9.72% | -10.00% | 14th bottom |
| Loan Growth (Y/Y) | 1.80% | 8.08% | -6.28% | 28th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.46% | 7.88% | -1.42% | 60th above |
See Capitol Federal Savings Bank's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Capitol Federal Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Capitol Federal Savings Bank profile, how to read a UBPR, or how this data updates.