Capitol Federal Savings Bank
Topeka, Kansas, Shawnee County
$9.7B in total assets, the 170th largest of 4,309 US banks and 1st of 185 headquartered in Kansas.
- FDIC certificate
- 27981
- Established
- 1893
- Owned by
- Capitol Federal Financial Inc
- Primary regulator
- OCC
- Website
- www.capfed.com
At a glance
Compared with 19 banks headquartered in Kansas with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $9.7B | 98% | $1.4B | |
| Loans | $8.2B | 98% | $916M | |
| Deposits | $6.9B | 98% | $1.2B | |
| Return on assets | 0.86% | 5% | 1.43% | |
| Net interest margin | 2.31% | 2% | 3.87% | |
| Efficiency ratio | 52.7% | 32% | 60.4% | |
| Equity to assets | 10.11% | 47% | 10.63% | |
| Loans to deposits | 118% | 98% | 81% |
Growth
Total assets grew 0.0% a year over the last 5 years and 0.4% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Aug 2018 | Capital City Bank Topeka, KS | $432M |
| Feb 1991 | Mid Kansas Savings and Loan Association, a F.A. Wichita, KS | $436M |
| Jun 1983 | Southwest Federal Savings and Loan Association Wichita, KS | n/a |
Where they operate
46 branches in 12 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Johnson County, KS | $2.8B | 10.4% | 1 of 60 |
| Shawnee County, KS | $2.3B | 39.8% | 1 of 18 |
| Douglas County, KS | $580M | 16.3% | 1 of 22 |
| Sedgwick County, KS | $557M | 2.8% | 9 of 38 |
| Riley County, KS | $219M | 7.8% | 4 of 16 |
| Lyon County, KS | $133M | 16.3% | 3 of 8 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 1 branch since 2016 (47 to 46, −2.1%). 3 opened, 7 acquired, 11 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 47 | |||
| 2018 | Acquired Capital City BankOpened Wichita | 8 | 0 | +8 | 55 |
| 2019 | Closed Lawrence | 0 | 1 | −1 | 54 |
| 2023 | Opened Kansas CityClosed 6 in Kansas | 1 | 6 | −5 | 49 |
| 2024 | Opened LawrenceClosed 4 in Kansas | 1 | 4 | −3 | 46 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 71% | 22% | |
| Commercial real estate | 19% | 32% | |
| Business (C&I) | 3% | 15% | |
| Construction and land | 3% | 8% | |
| Multifamily | 3% | 5% | |
| Consumer | 0% | 2% | |
| Farmland | 0% | 8% | |
| Agricultural | 0% | 6% | |
| Other | 0% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 48% | 52% | |
| Time deposits | 42% | 25% | |
| Noninterest-bearing | 11% | 22% |
Brokered deposits are 0.0% of deposits (peers 5.5%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.62% | 0.60% |
| Net charge-offs, annualized | 0.00% | 0.05% |
| Reserves to loans | 0.32% | 1.29% |
| Leverage ratio | 9.57% | 10.64% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Kansas
Largest competitors in Johnson County, KS
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/capitol-federal-savings-bank-topeka-ks