Capitol Federal Savings Bank: how it compares with its peers
Against 188 U.S. banks with half to twice its assets, Capitol Federal Savings Bank's strongest measure in Q2 2026 is assets per employee ($14.6M vs. a $10.0M peer median). Its weakest relative measure is net interest margin (2.31% vs. 3.72%).
| Measure | Capitol Federal Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.90% | 1.30% | Bottom third Ahead of 19% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.31% | 3.72% | Bottom third Ahead of 9% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 52.68% | 55.14% | Middle third Ahead of 59% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $14.6M | $10.0M | Top third Ahead of 73% of peers |
| Loans to deposits Net loans and leases over total deposits. | 118.09% | 88.02% | Context |
What it means for lending operations
Its efficiency ratio of 52.68% is better than the 55.14% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- EagleBank Bethesda, MD · $9.62B
- RBC Bank, (Georgia) National Association Atlanta, GA · $9.59B
- Wintrust Bank, National Association Chicago, IL · $9.57B
- Peoples Bank Marietta, OH · $9.53B
- Principal Bank Des Moines, IA · $9.84B
- Byline Bank Chicago, IL · $9.91B
Questions about Capitol Federal Savings Bank
How big is Capitol Federal Savings Bank?
Capitol Federal Savings Bank, established in 1893, is headquartered in Topeka, KS. It reported $9.68B in total assets in its Q2 2026 FDIC call report and operates 45 offices.
What is Capitol Federal Savings Bank's return on assets?
0.90% annualized in Q2 2026, against a 1.30% median for 188 U.S. banks with half to twice its assets, ahead of 19% of them.
What is Capitol Federal Savings Bank's efficiency ratio?
52.68% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 55.14%, and lower is better.
Is Capitol Federal Savings Bank growing its loans?
Net loans grew 1.8% over the year to Q2 2026, while deposits grew 6.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kansas bank ranked.