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Capitol Federal Savings Bank
Topeka, KS·FDIC Cert #27981·Charter: OCC·Est. 18930101.0·HC: CAPITOL FEDERAL FINANCIAL INC
Total Assets
$9.8B
Q4 2025
Return on Assets
0.76%
+0.03%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
57.26%
Peer avg: 56.3%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
50
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.76%+0.03
ROE
7.47%+0.29
Efficiency
57.26%-1.45
Equity/Assets
0.00%+0.00
NPL Ratio
0.60%+0.00
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
119.95%-1.36
Charge-offs
0.00%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.6 | 0.5 | 0.5 | 0.5 | 0.6 | 0.7 | 0.7 | 0.8 |
| ROE | 5.8 | 5.0 | 5.0 | 5.4 | 6.4 | 7.0 | 7.2 | 7.5 |
| Efficiency | 62.1 | 62.2 | 61.3 | 60.5 | 60.5 | 59.5 | 58.7 | 57.3 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.6 | 0.6 | 0.6 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 126.0 | 127.4 | 126.4 | 126.6 | 121.7 | 123.5 | 121.3 | 120.0 |
Balance Sheet
Total Assets$9.8B
Total Deposits$6.8B
Total Loans$8.2B
Total Equity$994.5M
Profitability
ROA0.76%
ROE7.47%
Efficiency Ratio57.26%
Net Income$73.5M
Risk & Asset Quality
NPL Ratio0.60%
Charge-off Rate0.00%
Loan/Deposit119.95%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans