Capitol Federal Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 3.77 percentage points higher than in Q1 2026, at 43.27%. Within Kansas, Capitol Federal Savings Bank is 157th of 182 on return on assets, 0.97% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Capitol Federal Savings Bank sits 0.31 points lower, at 0.97% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.57% |
| Equity capital to assets | 10.11% |
| Tangible equity to tangible assets | 10.02% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.74% |
| Non-performing assets ratio | 0.62% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 6.06% |
| Allowance for credit losses to loans | 0.32% |
| Reserve coverage of non-performing loans | 43.27% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.97% |
| Return on equity | 9.65% |
| Net interest margin | 2.31% |
| Efficiency ratio | 52.55% |
| Yield on earning assets | 4.55% |
| Cost of funds | 2.39% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 118.47% |
| Core deposits to total deposits | 92.36% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 71.49% |
| Securities to assets | 8.10% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.97% | 15.97% | 16.47% | 8.54% | -5.31% |
| Q4 2023 | 15.93% | 15.93% | 16.45% | 8.89% | 0.10% |
| Q1 2024 | — | — | — | 9.15% | 0.57% |
| Q2 2024 | — | — | — | 9.11% | 0.40% |
| Q3 2024 | — | — | — | 9.21% | 0.50% |
| Q4 2024 | — | — | — | 9.38% | 0.65% |
| Q1 2025 | — | — | — | 9.50% | 0.64% |
| Q2 2025 | — | — | — | 9.68% | 0.76% |
| Q3 2025 | — | — | — | 9.60% | 0.77% |
| Q4 2025 | — | — | — | 9.53% | 0.84% |
| Q1 2026 | — | — | — | 9.51% | 0.83% |
| Q2 2026 | — | — | — | 9.57% | 0.97% |
Capitol Federal Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Capitol Federal Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)