Capitol Federal Savings Bank
Capitol Federal Savings Bank reported total assets of $9.7 bn at Q2 2026, down 0.3% from a year earlier. It uses the community bank leverage ratio framework, with a tier 1 leverage ratio of 9.57%, and an estimated 11.15% of domestic deposits were uninsured. Source: FDIC Call Report data, cross-checked against FFIEC filings.
- Return on equity (ROE): up 0.72 pp on Q1 2026, to 8.92%
- Total assets: down 1.7% on Q1 2026, to $9.7 bn
- Total deposits: down 1.3% on Q1 2026, to $6.9 bn
Ranks compare banks in our US coverage that report each metric. Sparklines: the last ten years. Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Overview
What stands out about Capitol Federal Savings Bank?
Against its six size peers, its loan-to-deposit ratio stands out most: 118.09% at Q2 2026, above the peer median of 82.83%.
How large is Capitol Federal Savings Bank?
At Q2 2026 the bank held $9.7 bn of assets. Deposits were $6.9 bn and net loans and leases $8.2 bn, a loan-to-deposit ratio of 118.09%. Securities of $783.6 mn made up 8.1% of assets.
Total assets rose 3.7% between Q1 2016 and Q2 2026, from $9.3 bn.
How much of its funding is uninsured?
An estimated 11.15% of domestic deposits were above the FDIC insurance limit at Q2 2026, +0.03 pp from the previous quarter and -2.69 pp from a year earlier. That share ranks 465th among 500 banks reporting this metric (1 = highest).
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total assets | $9.7 bn | -0.3% | 163rd of 497 |
| Total deposits | $6.9 bn | +6.5% | 189th of 499 |
| Net loans and leases | $8.2 bn | +1.8% | 139th of 500 |
| Bank equity capital | $978.0 mn | -1.8% | 181st of 498 |
| Tier 1 leverage ratio | 9.57% | -0.11 pp | 362nd of 500 |
| Return on equity (ROE) | 8.92% | +1.97 pp | 385th of 500 |
| Net interest margin | 2.31% | +0.35 pp | 473rd of 500 |
| Uninsured share of domestic deposits | 11.15% | -2.69 pp | 465th of 500 |
| Noncurrent loans to total loans | 0.62% | +0.02 pp | 255th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.00% | +0.00 pp | 83rd of 500 (1 = lowest) |
US rank: rank among the banks in our coverage reporting each metric, 1 = highest unless marked 1 = lowest.
Balance sheet
Total assets, deposits and net loans, quarterly, Q1 2016 to Q2 2026. Dashed amber lines mark the merger or acquisition listed under Mergers and acquisitions.
- Total assets $9.7bn
- Deposits $6.9bn
- Net loans $8.2bn
Capital and securities
The bank uses the community bank leverage ratio framework, so it does not report risk-based capital ratios. Its tier 1 leverage ratio was 9.57% at Q2 2026, -0.11 pp from a year earlier. The median tier 1 leverage ratio of the size peers listed below was 11.45% at Q2 2026.
Available-for-sale securities showed an unrealized gain of $8.8 mn at Q2 2026; the gain fell by $14.1 mn from a year earlier.
Capital ratios
- Total capital 16%
- CET1 16%
- Tier 1 leverage 9.6%
Unrealized gains and losses on securities
- Available for sale $9mn
- Held to maturity $0
Profitability and loan quality
Return on equity was 8.92% for the year to Q2 2026, annualized, with a return on assets of 0.90% and a net interest margin of 2.31%. The margin was +0.35 pp from a year earlier. The efficiency ratio, noninterest expense as a share of revenue as the FDIC defines it, was 52.68%. Net income for the year to Q2 2026 was $43.9 mn, up 29.6% on the same period a year earlier. The median return on equity of its size peers was 14.62% for the same period.
Noncurrent loans, those 90 days or more past due or no longer accruing interest, were 0.62% of total loans at Q2 2026. Net charge-offs for the year to date were 0.00% of average loans, annualized.
Profitability
- Return on equity 8.9%
- Net interest margin 2.3%
- Return on assets 0.9%
Compared with banks of similar size
The six banks ranked closest to Capitol Federal Savings Bank by total assets at Q2 2026, three above and three below where possible.
Among the seven banks in the table at Q2 2026, Capitol Federal Savings Bank is 4th by total assets. Its tier 1 leverage ratio of 9.57% compares with a peer median of 11.45%, its return on equity of 8.92% compares with a peer median of 14.62%, and its uninsured share of deposits of 11.15% compares with a peer median of 34.11%.
| Bank | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|
| Tri Counties Bank | $9.9 bn | 13.69% | 10.14% | 34.12% | |
| Byline Bank | $9.9 bn | 14.00% | 12.03% | 34.11% | |
| Principal Bank | $9.8 bn | 14.91% | 33.04% | 45.59% | |
| Capitol Federal Savings Bank | $9.7 bn | not reported | 8.92% | 11.15% | |
| EagleBank | $9.6 bn | 14.95% | 4.50% | 27.69% | |
| RBC Bank, (Georgia) | $9.6 bn | 48.11% | 23.77% | 5.51% | |
| Wintrust Bank | $9.6 bn | 12.25% | 17.21% | 45.94% | |
Q2 2026. Peer median (the six banks, excluding this one): CET1 14.46%, return on equity 14.62%. Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Last eight quarters
Capitol Federal Savings Bank, as reported in its Call Reports.
From Q3 2024 to Q2 2026, total assets rose 1.4% to $9.7 bn, deposits rose 10.6% to $6.9 bn and bank equity capital rose 3.1% to $978.0 mn. Over the same period its full-time equivalent staff went from 636 to 662 and its offices went from 48 to 46.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $9.5 bn | $9.6 bn | $9.7 bn | $9.7 bn | $9.8 bn | $9.8 bn | $9.8 bn | $9.7 bn |
| Total deposits | $6.3 bn | $6.3 bn | $6.5 bn | $6.5 bn | $6.7 bn | $6.8 bn | $7.0 bn | $6.9 bn |
| Bank equity capital | $948.8 mn | $954.3 mn | $975.6 mn | $995.6 mn | $998.0 mn | $994.5 mn | $982.5 mn | $978.0 mn |
| Return on equity (ROE) | 4.99% | 5.37% | 6.42% | 6.95% | 7.18% | 7.47% | 8.20% | 8.92% |
| Uninsured share of domestic deposits | 12.25% | 12.06% | 12.39% | 13.84% | 14.80% | 11.39% | 11.12% | 11.15% |
| Full-time equivalent employees | 636 | 643 | 656 | 647 | 655 | 666 | 668 | 662 |
| Number of offices | 48 | 46 | 46 | 46 | 46 | 46 | 46 | 46 |
Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Mergers and acquisitions
Figures before and after each event are not like for like.
- . Absorbed Capital City Bank (FDIC certificate 16803).
Source: FDIC BankFind API, institution history. Moves of more than 25% in one quarter are checked against that history in our review.
Identifiers and sources
- FDIC certificate
- 27981
- Federal Reserve RSSD ID
- 968070
- Head office
- Topeka, Kansas
- Holding company
- Capitol Federal Financial, Inc.
- Holding company RSSD ID
- 4226910
- Holding company SEC CIK
- 1490906
- EconoMonitor ID
- EMB-US-000180
Frequently asked questions
What were Capitol Federal Savings Bank's total assets?
$9.7 bn at Q2 2026, according to its Call Report as published by the FDIC. By total assets it ranks 163rd among 497 banks reporting this metric (1 = highest).
Is Capitol Federal Savings Bank the same as its holding company?
No. This page covers the FDIC-insured bank (certificate 27981). Its holding company, Capitol Federal Financial, Inc., reports separately to the Federal Reserve and, if its shares are listed, to the SEC.
How often is this page updated?
Every quarter, after Capitol Federal Savings Bank files its Call Report and the FDIC publishes it. This page shows Q2 2026, loaded on 19 October 2026; any sentence that uses an earlier quarter names it.
Where can I check these numbers?
In the FDIC BankFind Suite record for certificate 27981, and in the Call Reports filed under RSSD ID 968070 at the FFIEC Central Data Repository.
Sources and definitions
Definitions, Call Report fields and formulas for each metric: Bank equity capital, Uses community bank leverage ratio framework, Common equity tier 1 (CET1) ratio, Deposits in domestic offices, Efficiency ratio, Full-time equivalent employees, Loan-to-deposit ratio, Total loans and leases (gross), Net loans and leases, Net charge-offs to average loans, Net income (year to date), Net interest margin, Noncurrent loans to total loans, Number of offices, Return on assets (ROA), Return on equity (ROE), Available-for-sale securities (amortized cost), Available-for-sale securities (fair value), Held-to-maturity securities (amortized cost), Held-to-maturity securities (fair value), Total securities, Tier 1 leverage ratio, Total assets, Total deposits, Total equity capital, Total risk-based capital ratio, Uninsured share of domestic deposits, Estimated uninsured deposits, Unrealized gain/loss on available-for-sale securities, Unrealized gain/loss on held-to-maturity securities.
Checks for this release: Check A (database against the FDIC download) passed, Check B (FDIC against FFIEC Call Report filings) passed.
Source: FDIC BankFind Suite (Call Report data). EconoMonitor is not affiliated with or endorsed by the FDIC. FDIC BankFind Suite API.
Source: FFIEC Central Data Repository (Call Reports). EconoMonitor is not affiliated with or endorsed by the FFIEC. FFIEC Central Data Repository, Public Data Distribution.
Data and analysis only, not financial advice. The FDIC and the FFIEC do not endorse EconoMonitor. See the disclaimer and methodology.