# CAPITOL FEDERAL SAVINGS BANK
TOPEKA, KS · FDIC certificate 27981 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 5 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $9.68B | |
| Deposits | $6.92B | |
| Loans and leases | $8.20B | |
| Total equity | $978.0M | |
| Loans / deposits | 118.09% (p97 of band) | 87.10% |
| Liquid assets / assets | 9.66% (p5 of band) | |
| Uninsured deposits / deposits | 11.15% (p5 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 17.23% (p85 of band) | |
| FHLB advances / assets | 16.90% | |
| Tier 1 leverage | 9.57% (p24 of band) | 10.50% |
| Unrealized securities loss / equity | 0.90% (p100 of band) | -7.75% |
| AOCI / equity | -0.83% (p22 of band) | |
| ROA (annualized) | 0.90% (p24 of band) | 1.26% |
| Net interest margin | 2.31% (p4 of band) | 3.70% |
| Efficiency ratio | 52.68% (p31 of band) | |
| Noncurrent loans | 0.62% (p58 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p30 of band) | |
| Reserve coverage of noncurrent | 51.19% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 26.40% (p25 of band) | |
| Auto loans | $3.1M (0.04% of loans; DQ 1.21%, NCO 0.00%) | |
| Loans to nondepository financials | $10.9M (1% of equity) (p76 of band) | |
| Deposits YoY | 6.5% | |
| Employees | 662 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)
- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | loans exceed deposits, wholesale funding >15%, securities losses >30% of equity, NIM <2.5%, reserve under noncurrent |  |
| 2011-06 | 5 |  |  |
| 2011-09 | 5 |  |  |
| 2011-12 | 5 |  |  |
| 2012-03 | 5 | capital falling | securities losses >30% of equity |
| 2012-06 | 4 |  | capital falling |
| 2012-09 | 4 |  |  |
| 2012-12 | 4 |  |  |
| 2013-03 | 4 |  |  |
| 2013-06 | 4 |  |  |
| 2013-09 | 5 | uninsured deposits leaving |  |
| 2013-12 | 4 |  | uninsured deposits leaving |
| 2014-03 | 5 | uninsured deposits leaving |  |
| 2014-06 | 4 |  | uninsured deposits leaving |
| 2014-09 | 5 | capital falling |  |
| 2014-12 | 4 |  | capital falling |
| 2015-03 | 4 |  |  |
| 2015-06 | 5 | capital falling |  |
| 2015-09 | 4 |  | capital falling |
| 2015-12 | 4 |  |  |
| 2016-03 | 5 | assets shrinking |  |
| 2016-06 | 4 |  | assets shrinking |
| 2016-09 | 5 | assets shrinking |  |
| 2016-12 | 4 |  | assets shrinking |
| 2017-03 | 4 |  |  |
| 2017-06 | 4 |  |  |
| 2017-09 | 4 |  |  |
| 2017-12 | 4 |  |  |
| 2018-03 | 4 |  |  |
| 2018-06 | 4 |  |  |
| 2018-09 | 4 |  |  |
| 2018-12 | 4 |  |  |
| 2019-03 | 4 |  |  |
| 2019-06 | 5 | uninsured deposits leaving |  |
| 2019-09 | 5 | capital falling | reserve under noncurrent |
| 2019-12 | 4 |  | capital falling |
| 2020-03 | 4 |  |  |
| 2020-06 | 3 |  | uninsured deposits leaving |
| 2020-09 | 3 |  |  |
| 2020-12 | 4 | capital falling |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 3 |  | capital falling |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 4 | capital falling |  |
| 2022-09 | 5 | deposits shrinking |  |
| 2022-12 | 5 | uninsured deposits leaving | capital falling |
| 2023-03 | 5 |  |  |
| 2023-06 | 3 |  | deposits shrinking, uninsured deposits leaving |
| 2023-09 | 5 | capital falling, losing money |  |
| 2023-12 | 4 |  | capital falling |
| 2024-03 | 3 |  | losing money |
| 2024-06 | 4 | assets shrinking |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 3 |  | assets shrinking |
| 2025-03 | 3 |  |  |
| 2025-06 | 4 | reserve under noncurrent |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 5 | capital falling |  |
| 2026-03 | 5 |  |  |
| 2026-06 | 5 | liquid assets <10% | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-11 [Capitol Federal® Savings Bank Partners with CorServ to Meet Commercial Customer Credit Card Demand - PR Newswire](https://news.google.com/rss/articles/CBMi6AFBVV95cUxNWUxXQU1PbUdqQ3dDUTJNWHdwSXAzRGVaQ0E4YjAwSllrdy1xbFVJNmZaS0FmbV9ISEZUMFNNY3lydEFiUTRiZEtlOEVWZlVxOEtYWDJaekk4TTc1bXpZdkQ5NmE0S0NSUFdXN3FqVzlxNlhFcFJONXJ0T1lwQi1kdnJyVmx0MkRNOC0zTVlfWUxYSVhBd2xWWEExRjNDZWxWaXNhVE9HSEJKVm1lVXVUMEZFTVlxZVNyZ0Z2ZThtcHRxVm83cW56bjBCTHl1eTNjNVptSlpwd2JfMDF4ZXF1Rk03NEtCM3g4?oc=5) · PR Newswire
- 2026-03-16 [Kansas banking officials ask lawmakers to hold social media, phone companies liable for fraud - Kansas Reflector](https://news.google.com/rss/articles/CBMizAFBVV95cUxOWjRxem1NMldCLVZpUndmdGpERXlRLUhmV0xaOUZaVWJDOG5POGRtSEFXR3RoYWF1QlEyU1c1UFlPcTd4ZE1taUlRUWY3eVlCRzZsMzJvLW5LSGd1V0F6cXNGM2Z1Z2F0NGZoY0lxYmVBNFJfMVF5MXhEejRpSTJtZkZpWmdlbkVXMGxzVUJMS1djenNtRHJGREdmZ2VOdWZCRXZhX1M4OTE3WEZ5eFNNVGZSaXVDTE1HWTU3Y3lZdW9yNVhDV1NMS3pSMkE?oc=5) · Kansas Reflector
- 2025-10-28 [Capitol Federal Financial, Inc.® Announces Quarterly Dividend - Business Wire](https://news.google.com/rss/articles/CBMitwFBVV95cUxQUzhDcFg4MUtNbVVaUjVXLTlhN29YZGl5ZWFsRXVsLWdUcVFaZjVPdjdVQVA4UnVSZUhlSTNyX2lQWXlrNGlRVHFNM1R3UXZHLUVOdUFudkxZWURjS2ZuZWNmQ040aDV2QmhwdWpyeVB5OWlHaG8ybnRuRWJTMWNuSXJUYTRrakFQbTV0WTdMSEZ6SFJWUUF4T3l2U3V6SXp1Njl1NHNkZ19wd0JWdXNtZEFLdkJpblU?oc=5) · Business Wire
- 2025-11-20 [FDIC deposit market share data shows which KC banks dominate which area communities - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxOLXJpQ1A4UjZRbWItZVZZdlFzTUJpZGg1V1ZPMW5OWEdiU1hCV2JTTGtoNEljVkUteTVBa21KMVotUFg4VVVOdTNqaU1jci0xSWQ3QlNNak5YckUxcDl2UE4zNjlXMkNRdU1XYV9IUmlqRnowMUVTRzd2ZXZCampralpCRTBwS3NfeC00UHdYT3NZeGFlQ2luOUx0dWhDdUtYWkM5cWZIMA?oc=5) · The Business Journals
- 2025-10-22 [Kansas Supreme Court unanimously rejects bank’s overdraft fee policy as ‘ambiguous’ - Kansas Reflector](https://news.google.com/rss/articles/CBMivAFBVV95cUxOd1dhdldnZ0IzTXZnZUNqUFNWNGZNOGhzVlpxeGVkNV91aWh4a3FqX3FBMnRkLUFGYm0wd1B5dkhoY1JycGk0Wlkwb3laeWVRRXEwbnhaa3dZaXpHMDlIV2NOZkhmZHpIa1N5MFpiNUcwUUdXQkIydTluME04cUpoY3JhZ0JvTFAwdGNERWpDZlRkOGlTdFFNZEgyd0JRZGdxdDFuZkhDNHFGU2NWanFIRTdneExmejVScGhRNw?oc=5) · Kansas Reflector
- 2025-08-12 [Topeka bank shifting to commercial loans due to high interest and low inventory - The Topeka Capital-Journal](https://news.google.com/rss/articles/CBMixwFBVV95cUxPM0tXcnNEaDlpemNZOXFBbGRyWkxoRnpHd2JLV3oxWUFLZTVCQ3h6bGQwQklyWE5NeFZ5bGhfd0F1YkZpcE41d1FWZ21Fd1hxbUYzVUx4elFfd0pVRlkybEs4Tktzb3R5SW1BN0JhWjVLQzliM24zVjRjb3ZnZVhHcXF4VFlXcU5nY1dSRDFaU2cyeThfTlFLMi10NjVyNFJ6VDlEdVpQS3RPcWJyVEsxX1hmelgwcDlwS0hTVjJBSVJ2T18xZGZJ?oc=5) · The Topeka Capital-Journal
- 2025-04-25 [Capitol Federal (CFFN) Stock Price, News & Analysis - stocktitan.net](https://news.google.com/rss/articles/CBMiU0FVX3lxTE96MUQtRHE2ZFd0eTNWd2NLejJrVlEyNUk5QnVRME5HRFNvMk9wSmJVb3BDdk93Rm9SWG5UUFBUeVdTSHJoNlVMLVNJWk4xZ0NSeVRN?oc=5) · stocktitan.net
- 2020-10-12 [Capitol Federal adds another new branch in Kansas City’s Northland - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxPenhlMno1b1pFaEJYbHdzOHlfdFdEOVJXdVJzeVJ5NGc2Y1N6NmR2R3ZFVDhqYkJwQ3V6aHgzOEI4R0pIQ3VRQThHa3VZcU9EUl9BR3AxRXNRXzRSMzRORDNCUHJMYWdhMmk2SUNsczM3VmZwSDFQTUFMX1h2SXNZaWZLbGZjVmFCSmtJUS1NUGQwRDNPYjlQTEEzdUk2Y0VvYlluQlBraw?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27981 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/13.json (key "27981", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide