Capitol Federal Savings Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 9.57% +0.57 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $930.0M | 930,025 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $9.71B | 9,714,818 | RCOAA224 |
| Recomputed ratio | 9.57% | numerator / denominator | |
| Filed ratio | 9.57% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.57 pp | $55.7M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 1,069,759 | 1,069,400 | 1,069,064 | 1,068,753 | 1,068,529 | 1,068,277 | RCOAP742 |
| Retained earnings | (99,814) | (98,474) | (90,727) | (86,466) | (91,359) | (109,776) | RCOAKW00 |
| Accumulated other comprehensive income | 8,079 | 11,560 | 16,206 | 15,755 | 18,453 | 17,052 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 978,024 | 982,486 | 994,543 | 998,042 | 995,623 | 975,553 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (47,999) | (54,258) | (61,982) | (62,774) | (67,437) | (67,351) | P859 - P840 |
| Common equity Tier 1 capital | 930,025 | 928,228 | 932,561 | 935,268 | 928,186 | 908,202 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 930,025 | 928,228 | 932,561 | 935,268 | 928,186 | 908,202 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 9,714,818 | 9,758,537 | 9,781,059 | 9,738,547 | 9,587,784 | 9,562,316 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 9.57% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | CBLR | NA | NA | NA | 9.51% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | CBLR | NA | NA | NA | 9.53% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | CBLR | NA | NA | NA | 9.60% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | CBLR | NA | NA | NA | 9.68% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | CBLR | NA | NA | NA | 9.50% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | CBLR | NA | NA | NA | 9.38% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | CBLR | NA | NA | NA | 9.21% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | CBLR | NA | NA | NA | 9.11% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | CBLR | NA | NA | NA | 9.15% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 15.93% | 15.93% | 16.45% | 8.89% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 15.97% | 15.97% | 16.47% | 8.54% | 12.78% | 12.79% | 13.93% | 10.03% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Capitol Federal Savings Bank (this bank) | CBLR | NA | NA | NA | 9.57% | |
| EagleBank | $9.62B | Risk-based | 14.95% | 14.95% | 16.20% | 11.49% |
| RBC Bank (Georgia), N.A. | $9.59B | Risk-based | 48.11% | 48.11% | 49.16% | 10.42% |
| Wintrust Bank, N.A. | $9.57B | Risk-based | 12.25% | 12.25% | 13.27% | 11.41% |
| Peoples Bank | $9.53B | Risk-based | 12.30% | 12.30% | 13.40% | 9.70% |
| Principal Bank | $9.84B | Risk-based | 14.91% | 14.91% | 15.07% | 7.13% |
| Byline Bank | $9.91B | Risk-based | 14.00% | 14.00% | 15.25% | 12.88% |
| Tri Counties Bank | $9.93B | Risk-based | 13.69% | 13.69% | 14.94% | 12.00% |
| S & T Bank | $9.94B | Risk-based | 13.28% | 13.28% | 14.84% | 11.02% |
| Amalgamated Bank | $9.41B | Risk-based | 14.78% | 14.78% | 15.96% | 9.60% |
| Liberty Bank | $9.38B | Risk-based | 13.66% | 13.66% | 14.65% | 13.37% |
| Peer 25th percentile | 13.37% | 13.37% | 14.70% | 9.88% | ||
| Peer median | 13.85% | 13.85% | 15.01% | 11.21% | ||
| Peer 75th percentile | 14.88% | 14.88% | 15.78% | 11.87% | ||
| This bank's percentile | NA | NA | NA | 10 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/968070/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.