Capitol Federal Savings Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Capitol Federal Savings Bank is an FDIC-insured commercial bank. On its most recent Q2 2026 call report, Capitol Federal Savings reported $9.7B in total assets against $6.9B in deposits. Returns are in line with industry norms at 0.97% ROA and 9.65% ROE; net interest margin is 2.31%. Under the simplified Community Bank Leverage Ratio framework, leverage of 9.57% exceeds the CBLR threshold. Credit metrics are in line with industry norms, 0.74% NPL ratio. Its footprint covers 45 branches concentrated in Kansas.
As of June 30, 2026, Capitol Federal Savings Bank reported a Tier 1 leverage ratio of 9.57%, a return on assets of 0.97%, a nonperforming-loan ratio of 0.74%, a Texas ratio of 6.06%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 700 S Kansas Ave, Topeka, KS 66603
- County
- Shawnee
- Metro Area
- Topeka, KS
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- —
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1893
- Offices
- 45 domestic
- Employees (FTE)
- 662
- Domestic deposits
- $6.92B
- Allowance for credit losses
- $26.1M
- Net charge-offs (YTD)
- $185K
- Average total assets
- $9.75B
- Average total loans
- $8.17B
- Average interest-bearing deposits
- $6.26B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 27981
- Fed RSSD
- 968070
- SEC CIK
- 1490906 → filed by CAPITOL FEDERAL FINANCIAL, INC.
- Website
- www.capfed.com →
- Parent Holding Company
- CAPITOL FEDERAL FINANCIAL, INC. (RSSD 4226910) · CFFN
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Dicus John B | CEO | Chairman, President and CEO |
Profitability
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Capitol Federal Savings Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Capitol Federal Savings Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Capitol Federal Savings Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.57% | 0.97% | 0.74% | 6.06% | 2.31% |
| Q1 2026 | 9.51% | 0.83% | 0.83% | 6.75% | 2.25% |
| Q4 2025 | 9.53% | 0.84% | 0.82% | 6.68% | 2.19% |
| Q3 2025 | 9.60% | 0.77% | 0.81% | 6.49% | 2.09% |
| Q2 2025 | 9.68% | 0.76% | 0.86% | 6.91% | 1.97% |
| Q1 2025 | 9.50% | 0.64% | 0.39% | 3.11% | 1.90% |
| Q4 2024 | 9.38% | 0.65% | 0.31% | 2.56% | 1.84% |
| Q3 2024 | 9.21% | 0.50% | 0.31% | 2.54% | 1.78% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 46 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Capitol Federal Savings Bank (main office) | Topeka , KS | 66603 | $1.43B |
| Nall Hills Branch | Overland Park , KS | 66207 | $374.0M |
| Old Metcalf Branch | Overland Park , KS | 66223 | $340.6M |
| West Lawrence Branch | Lawrence , KS | 66044 | $301.8M |
| East Olathe Branch | Olathe , KS | 66062 | $260.6M |
| Wanamaker Branch | Topeka , KS | 66614 | $242.5M |
| College Blvd Branch | Overland Park , KS | 66210 | $234.3M |
| Lenexa Branch | Lenexa , KS | 66219 | $228.0M |
| Mission Branch | Mission , KS | 66202 | $224.9M |
| Shawnee Branch | Shawnee , KS | 66203 | $212.8M |
| Olathe Branch | Olathe , KS | 66061 | $198.3M |
| Manhattan Branch | Manhattan , KS | 66502 | $187.4M |
| State Line Branch | Prairie Village , KS | 66208 | $185.4M |
| Hobbs Taylor Branch | Lawrence , KS | 66044 | $179.9M |
| Shawnee Crossings Branch | Shawnee , KS | 66226 | $169.6M |
| Santa Fe Branch | Overland Park , KS | 66212 | $163.7M |
| Fairlawn Branch | Topeka , KS | 66614 | $162.2M |
| Northwest Wichita Branch | Wichita , KS | 67212 | $148.0M |
| Emporia Branch | Emporia , KS | 66801 | $133.1M |
| South Topeka Branch | Topeka , KS | 66611 | $115.1M |
| Salina Branch | Salina , KS | 67401 | $111.6M |
| Bradley Fair Branch | Wichita , KS | 67206 | $110.7M |
| East Wichita Branch | Wichita , KS | 67206 | $106.6M |
| North Topeka Branch | Topeka , KS | 66618 | $99.7M |
| Lawrence Free State Branch | Lawrence , KS | 66049 | $98.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 1, 2018 | Structure Change | Acquired Capital City Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 31, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 16, 1991 | Structure Change | Acquired Mid Kansas Savings and Loan Association, F.A. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 31, 1983 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 9, 1983 | Structure Change | Acquired Southwest Federal Savings & Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 5 events.
Regulatory record
What the public regulatory sources show for Capitol Federal Savings Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 2 against individuals associated with it
- Period: Most recent action September 22, 2000. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 6.4% of deposits in KS, rank 2 of 233 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 2,174 applications, 1,595 loans originated, $679.6M originated, across 12 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Capitol Federal Savings Bank
What are Capitol Federal Savings Bank's total assets?
As of the Q2 2026 filing, Capitol Federal Savings Bank reported total assets of $9.68 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Capitol Federal Savings Bank headquartered?
Capitol Federal Savings Bank is headquartered in Topeka, KS, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Capitol Federal Savings Bank founded?
Capitol Federal Savings Bank was established in 1893, per the FDIC institution directory.
Is Capitol Federal Savings Bank FDIC-insured?
Yes. Capitol Federal Savings Bank is an FDIC-insured commercial bank (FDIC Certificate #27981). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Capitol Federal Savings Bank?
Capitol Federal Savings Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Capitol Federal Savings Bank operate?
Capitol Federal Savings Bank operates 45 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Capitol Federal Savings Bank's Texas Ratio?
Capitol Federal Savings Bank's Texas Ratio is 6.06% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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