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Q2 2026 · read from the 30 June 2026 Call Report · United States · Plains · Kansas, the state note

Capitol Federal Savings Bank

Topeka, Kansas · $9.68B in assets · beside the 11 other the Plains states banks between $3B and $10B (the state alone holds too few in the band to rank)

The filing

118.5%
Loans / deposits
12th of 12
0.90%
ROA
11th of 12
0.5x
Coverage of noncurrent
11th of 12

Capitol Federal Savings Bank is the second largest of the 12 the Plains states banks nearest its size between $3B and $10B, with $9.68B in assets at 30 June 2026. Loans are 118.5% of deposits, the highest in the cohort against a median of 86.4%, and equity is 10.1% of assets, 5th of 12. Loans grew +1.8% in the year, 10th of 12, and deposits grew 6.5%; the cohort's median loan growth is +7.3%.

Noncurrent loans are 0.62% of the book, 7th of 12 against a median of 0.61%; 0.17% is 30 to 89 days past due, and the allowance covers them 0.5 times. Commercial real estate is 23.1% of loans, 3rd of 12 against a median of 34.5%, and 204% of capital, below the 300% screen, with construction at 28% against the 100% screen. CRE has grown +94.7% over 36 months, past the guidance's 50% prong.

Return on assets is 0.90%, 11th of 12 against a median of 1.35%, on an efficiency ratio of 52.8%, 4th of 12. Five years ago it was 0.80%. The question is which of these lines moves first over the next four quarters, and against which peer.

Loans as a share of depositsPlains states banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 86.4% PB Principal Bank 32.3% CF Choice Financial Group 62.7% FB First Bank 73.0% IB Intrust Bank National Association 73.2% PB Pinnacle Bank 84.0% EB Equity Bank 85.4% PN Pathward National Association 87.4% BT Bankers Trust Co. 89.7% FI First International Bank & Trust 91.3% UB Union Bank & Trust Co. 93.1% BB Bcorp Bank National Association 96.0% CF Capitol Federal Savings Bank 118.5%
Loans, year over yearPlains states banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +7.3% EB Equity Bank +50.2% PB Principal Bank +13.5% FI First International Bank & Trust +9.4% PN Pathward National Association +8.6% FB First Bank +7.8% PB Pinnacle Bank +7.7% BB Bcorp Bank National Association +7.0% UB Union Bank & Trust Co. +5.0% IB Intrust Bank National Association +3.6% CF Capitol Federal Savings Bank +1.8% BT Bankers Trust Co. +1.5% CF Choice Financial Group +0.4%

SBA 7(a), FY2008 to FY2026

Capitol Federal Savings Bank is the 34th largest 7(a) lender into Kansas of 343, with $25M across 112 loans, 0.8% of everything approved in the state (Live Oak Banking Company leads with $155M). 13 of its 17 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Kansas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Shawnee, KS$9M2nd of 668.0%-2.1 pts
Johnson, KS$7M37th of 1850.6%-0.6 pts
Douglas, KS$7M4th of 706.3%quiet FY2020
Jackson, MO$4M53rd of 1830.4%-0.0 pts
Lubbock, TX$2M41st of 970.6%quiet FY2016
Platte, MO$2M17th of 731.7%quiet FY2021
Sedgwick, KS$885K82nd of 1280.2%quiet FY2021
Buchanan, MO$831K26th of 430.8%quiet FY2022
Muscogee, GA$801K39th of 720.4%thin
Harrison, MO$390K4th of 67.6%quiet FY2022
Leavenworth, KS$320K34th of 500.7%quiet FY2020
Wyandotte, KS$315K58th of 720.2%quiet FY2018
Osage, KS$235K6th of 127.6%quiet FY2016
4 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Retail trade29$8M21.5%0.01%561st of 2,589
Professional & technical services12$5M14.0%0.02%444th of 1,955
Construction10$4M11.5%0.01%641st of 2,063
Accommodation & food services17$3M9.3%0.00%996th of 2,596
Other services16$3M7.5%0.01%754th of 2,248
7(a) lenders into Kansas, share of approvals since FY2008343 lenders on record; the ten largest and Capitol Federal Savings Bank
LO Live Oak Banking Company 4.8% $155M · 129 loans EB Equity Bank 3.7% $119M · 219 loans FB First Business Bank 3.7% $119M · 183 loans UB U.S. Bank, National Association 3.6% $115M · 503 loans IB Intrust Bank National Association 3.6% $114M · 498 loans UB UMB Bank, National Association 3.3% $105M · 384 loans WF Wells Fargo Bank National Associa… 3.2% $102M · 189 loans OB Oakstar Bank 3.1% $99M · 117 loans EB Emprise Bank 2.9% $94M · 280 loans BB Busey Bank 2.6% $84M · 115 loans CF Capitol Federal Savings Bank 0.8% $25M · 112 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers, Capitol Federal Savings Bank among them; owner-occupied excluded; bold marks a screen met
Capitol Federal Savings BankRankCohort median
Total CRE against capital, the 300% screen204%6th of 12220%
Construction against capital, the 100% screen28%4th of 1236%
Construction and land development, share of loans3.2%4th of 127.1%
Non-owner-occupied nonfarm nonresidential, share of loans17.1%5th of 1219.1%
Total CRE, the guidance definition, share of loans23.1%3rd of 1234.5%
CRE growth over 36 months, the third prong+94.7%11th of 11+28.6%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Principal Bank$9.84B1.6%38.0%0.44%0.00%0.2%32.3%5.0%
Capitol Federal Savings Bank$9.68B0.9%52.8%0.62%0.00%0.3%118.5%10.1%
Union Bank & Trust Co.$9.24B1.6%54.7%0.32%0.10%1.6%93.1%10.8%
Bcorp Bank National Association$9.21B2.9%41.3%1.33%1.57%0.9%96.0%9.6%
Pinnacle Bank$9.18B1.4%46.3%0.07%0.00%1.1%84.0%9.7%
Bankers Trust Co.$7.83B1.0%58.5%0.31%0.07%1.4%89.7%9.5%
Equity Bank$7.71B1.4%58.5%1.18%0.11%1.2%85.4%11.6%
Pathward National Association$7.31B2.7%58.3%5.28%0.84%2.1%87.4%12.1%
Intrust Bank National Association$6.76B1.3%59.3%0.60%0.04%1.2%73.2%7.4%
First Bank$6.65B0.7%73.7%0.27%0.17%1.0%73.0%8.4%
Choice Financial Group$6.38B1.3%55.3%0.68%0.30%1.2%62.7%11.3%
First International Bank & Trust$6.18B1.2%71.0%1.54%0.20%1.0%91.3%8.4%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Capitol Federal Savings BankCohort median
20212026Change20212026Change
Loans$7.06B$8.20B+16%$3.69B$5.31B+44%
Deposits$6.80B$6.92B+2%$5.46B$6.52B+19%
NPA / loans0.20%0.62%+0.42 pts0.51%0.61%+0.10 pts
Efficiency58.3%52.8%-5.6 pts57.9%56.8%-1.1 pts
ROA0.80%0.90%+0.10 pts1.49%1.35%-0.14 pts

This read was prepared for Capitol Federal Savings Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Capitol Federal Savings Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Plains states banks $3B to $10B
Institution www.capfed.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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