Capitol Federal Savings Bank
Capitol Federal Savings Bank reported total assets of $9.7 bn at Q2 2026, down 0.3% on a year earlier, the 163rd largest of 497 banks in our US coverage. Capitol Federal Savings Bank uses the community bank leverage ratio framework, with a leverage ratio of 9.57%. Capitol Federal Savings Bank held deposits of $6.9 bn. Source: FDIC Call Reports.
Key takeaways
- On efficiency ratio, Capitol Federal Savings Bank climbed from 291st to 184th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Capitol Federal Savings Bank has one of the highest loan-to-deposit ratio readings among banks of $1 bn to $10 bn: 118.09% at , against a median of 88.61% across 339 banks (FDIC Call Reports).
- The net interest margin of Capitol Federal Savings Bank, 2.31% at , places Capitol Federal Savings Bank in the bottom tenth of banks of $1 bn to $10 bn (group median 3.66%; FDIC Call Reports).
What sets Capitol Federal Savings Bank apart
- Among the 339 banks of $1 bn to $10 bn, few report a lower uninsured share of domestic deposits than Capitol Federal Savings Bank, at 11.15% in ; the group median is 32.61%.
- Since , Capitol Federal Savings Bank has taken over one institution; the latest was Capital City Bank on .
How large is Capitol Federal Savings Bank?
The balance sheet of Capitol Federal Savings Bank at : assets $9.7 bn, deposits $6.9 bn, net loans $8.2 bn (loans equal to 118.09% of deposits). Securities make up 8.1% of total assets at Capitol Federal Savings Bank. Since , when Capitol Federal Savings Bank held $9.3 bn, its assets grew 3.7%. In the year to , deposits at Capitol Federal Savings Bank rose 6.5% while its total assets fell 0.3%. At , Capitol Federal Savings Bank employed 662 full-time equivalent staff across 46 offices, about $14.6 mn of assets per employee and $150.4 mn of deposits per office.
How much funding at Capitol Federal Savings Bank is uninsured?
At Capitol Federal Savings Bank, uninsured deposits (above the FDIC limit) made up 11.15% of domestic deposits at (-2.69 pp on a year earlier); Capitol Federal Savings Bank ranks 465th of 500 on this measure. In dollars, Capitol Federal Savings Bank estimated $771.4 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $6.9 bn | +6.5% | 189th of 499 |
| Net loans and leases | $8.2 bn | +1.8% | 139th of 500 |
| Loan-to-deposit ratio | 118.09% | -5.44 pp | 14th of 500 |
| Net interest margin | 2.31% | +0.35 pp | 473rd of 500 |
| Return on assets (ROA) | 0.90% | +0.20 pp | 418th of 500 |
| Efficiency ratio | 52.68% | -6.84 pp | 184th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Gain of $8.8 mn | Fell by $14.1 mn | |
| 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 of Capitol Federal Savings Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Capitol Federal Savings Bank: assets, deposits and loans
- Total assets $9.7bn
- Deposits $6.9bn
- Net loans $8.2bn
Capital and securities
Capitol Federal Savings Bank uses the community bank leverage ratio framework, so it reports no risk-based ratios; its leverage ratio was 9.57% in . Equity capital of Capitol Federal Savings Bank at : $978.0 mn, or 10.1% of total assets.
The available-for-sale portfolio of Capitol Federal Savings Bank showed an unrealized gain of $8.8 mn at ; the gain fell by $14.1 mn over the year.
Capitol Federal Savings Bank: capital ratios
- Total capital 16%
- CET1 16%
- Tier 1 leverage 9.6%
Capitol Federal Savings Bank: unrealized securities gains and losses
- Available for sale $9mn
- Held to maturity $0
Profitability and loan quality
For the year to , Capitol Federal Savings Bank earned a return on equity of 8.92%; return on assets: 0.90%. Net interest margin at Capitol Federal Savings Bank: 2.31%, +0.35 pp in a year. Capitol Federal Savings Bank net income: $43.9 mn, up 29.6% year on year. The efficiency ratio of Capitol Federal Savings Bank was 52.68%: about 53 cents cost per revenue dollar, against 46 cents at the median peer.
At , noncurrent loans were 0.62% of total loans at Capitol Federal Savings Bank; net charge-offs: 0.00% of average loans. Gross loans and leases at Capitol Federal Savings Bank: $8.2 bn, up 1.8% in a year.
Capitol Federal Savings Bank: profitability
- Return on equity 8.9%
- Net interest margin 2.3%
- Return on assets 0.9%
Peer group of Capitol Federal Savings Bank
The peer group of Capitol Federal Savings Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Capitol Federal Savings Bank (federal savings bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Kansas. Against them, Capitol Federal Savings Bank shows return on equity 8.92% against a peer median of 14.62% and uninsured deposit share 11.15% against a peer median of 34.11%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Tri Counties Bank | State nonmember bank | CA | $9.9 bn | 13.69% | 10.14% | 34.12% | |
| Byline Bank | State nonmember bank | IL | $9.9 bn | 14.00% | 12.03% | 34.11% | |
| Principal Bank | Federal savings bank | IA | $9.8 bn | 14.91% | 33.04% | 45.59% | |
| Capitol Federal Savings Bank | Federal savings bank | KS | $9.7 bn | not reported | 8.92% | 11.15% | |
| EagleBank | State member bank | MD | $9.6 bn | 14.95% | 4.50% | 27.69% | |
| RBC Bank, (Georgia) | National bank | GA | $9.6 bn | 48.11% | 23.77% | 5.51% | |
| Wintrust Bank | National bank | IL | $9.6 bn | 12.25% | 17.21% | 45.94% | |
. FDIC Call Reports.
Last eight quarters
Two years at Capitol Federal Savings Bank, to : assets +1.4%, deposits +10.6%, equity +3.1%. Staff 636 to 662; offices 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 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Capitol Federal Savings Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed Capital City Bank (FDIC certificate 16803).
Questions and identifiers
What were the total assets of Capitol Federal Savings Bank?
Capitol Federal Savings Bank reported $9.7 bn at in its Call Report. That makes Capitol Federal Savings Bank the 163rd largest of 497 banks in our US coverage.
Is Capitol Federal Savings Bank the same as its holding company?
No. This page covers Capitol Federal Savings Bank, FDIC certificate 27981; Capitol Federal Financial, Inc., its holding company, reports separately to the Federal Reserve.
Is Capitol Federal Savings Bank profitable?
Capitol Federal Savings Bank reported net income of $43.9 mn for the year to ; annualized return on equity: 8.92%. So yes: Capitol Federal Savings Bank made a profit over these months.
When is data for Capitol Federal Savings Bank next updated?
Figures from Capitol Federal Savings Bank for are due after .
Where can I check the figures for Capitol Federal Savings Bank?
In the FDIC BankFind Suite record for certificate 27981, and in the Call Reports of Capitol Federal Savings Bank (RSSD ID 968070) at the FFIEC Central Data Repository.