Capitol Federal Savings Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
In Q2 2026, Total interest expense edged down by 1.3%, from $52.6M to $51.9M, the largest move among the key lines here. On net interest margin, Capitol Federal Savings Bank is 1st from the bottom among 182 Kansas banks, 2.31% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Capitol Federal Savings Bank sits 1.40 points lower, at 2.31% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.55% |
| Yield on loans | 4.45% |
| Yield on securities | 5.45% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.39% |
| Cost of interest-bearing deposits | 2.33% |
| Cost of interest-bearing liabilities | 2.62% |
| Cost of borrowings | 3.66% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.31% |
| Yield to cost spread | 1.93% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $90.8M |
| Total interest expense | $51.9M |
| Interest expense on deposits | $36.3M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 3.49% | 2.45% | 1.19% | 3.73% | 1.32% |
| Q4 2023 | 3.98% | 2.42% | 1.69% | 3.81% | 4.23% |
| Q1 2024 | 4.10% | 2.41% | 1.79% | 3.84% | 5.67% |
| Q2 2024 | 4.17% | 2.57% | 1.75% | 3.90% | 5.64% |
| Q3 2024 | 4.27% | 2.64% | 1.78% | 4.03% | 5.65% |
| Q4 2024 | 4.30% | 2.62% | 1.84% | 4.08% | 5.62% |
| Q1 2025 | 4.29% | 2.55% | 1.90% | 4.09% | 5.54% |
| Q2 2025 | 4.34% | 2.54% | 1.97% | 4.15% | 5.48% |
| Q3 2025 | 4.47% | 2.55% | 2.09% | 4.31% | 5.47% |
| Q4 2025 | 4.54% | 2.51% | 2.19% | 4.41% | 5.49% |
| Q1 2026 | 4.51% | 2.40% | 2.25% | 4.39% | 5.49% |
| Q2 2026 | 4.55% | 2.39% | 2.31% | 4.45% | 5.45% |
Capitol Federal Savings Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Capitol Federal Savings Bank, freeSource: Call Report Schedules RI and RC-K, 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)