Capitol Federal Savings Bank is a savings bank headquartered in Topeka, Kansas, in business for about 133 years. At the end of Q2 2026 it reported $9.7B in total assets and $6.9B in deposits, with 45 offices across 2 states.
Capitol Federal Savings Bank has a TellerScore of 61 out of 100 (moderate) based on Q2 2026 data — higher than only 24% of its 897 banks with $1 billion – $10 billion. Among 185 banks headquartered in Kansas, it ranks 163rd. Problem-loan coverage contributes the most (90/100, 5.1%); capital cushion contributes the least (46/100, 9.57%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (60 → 61).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 61 |
| Q3 2024 | 62 |
| Q4 2024 | 62 |
| Q1 2025 | 64 |
| Q2 2025 | 60 |
| Q3 2025 | 60 |
| Q4 2025 | 60 |
| Q1 2026 | 60 |
| Q2 2026 | 61 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.11% |
| Q3 2024 | 9.21% |
| Q4 2024 | 9.38% |
| Q1 2025 | 9.50% |
| Q2 2025 | 9.68% |
| Q3 2025 | 9.60% |
| Q4 2025 | 9.53% |
| Q1 2026 | 9.51% |
| Q2 2026 | 9.57% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.11% |
| Q3 2024 | 0.13% |
| Q4 2024 | 0.14% |
| Q1 2025 | 0.14% |
| Q2 2025 | 0.60% |
| Q3 2025 | 0.59% |
| Q4 2025 | 0.59% |
| Q1 2026 | 0.67% |
| Q2 2026 | 0.62% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.48% |
| Q3 2024 | 0.49% |
| Q4 2024 | 0.53% |
| Q1 2025 | 0.64% |
| Q2 2025 | 0.70% |
| Q3 2025 | 0.73% |
| Q4 2025 | 0.76% |
| Q1 2026 | 0.82% |
| Q2 2026 | 0.90% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 61 | $9.7B | 9.57% | 0.62% | 0.90% | 118.1% |
| Q1 2026 | 60 | $9.8B | 9.51% | 0.67% | 0.82% | 115.8% |
| Q4 2025 | 60 | $9.8B | 9.53% | 0.59% | 0.76% | 120.0% |
| Q3 2025 | 60 | $9.8B | 9.60% | 0.59% | 0.73% | 121.3% |
| Q2 2025 | 60 | $9.7B | 9.68% | 0.60% | 0.70% | 123.5% |
| Q1 2025 | 64 | $9.7B | 9.50% | 0.14% | 0.64% | 121.7% |
| Q4 2024 | 62 | $9.6B | 9.38% | 0.14% | 0.53% | 126.6% |
| Q3 2024 | 62 | $9.5B | 9.21% | 0.13% | 0.49% | 126.4% |
| Q2 2024 | 61 | $9.6B | 9.11% | 0.11% | 0.48% | 127.4% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Equity BankBank Andover, KS | 65 out of 100, Moderate | $7.7B | 10.6% | 1.18% | vs |
| Intrust Bank, National AssociationBank Wichita, KS | 73 out of 100, Strong | $6.8B | 10.8% | 0.60% | vs |
| Security Bank of Kansas CityBank Kansas City, KS | 85 out of 100, Very strong | $3.9B | 12.8% | 0.03% | vs |
| Fidelity Bank, National AssociationBank Wichita, KS | 60 out of 100, Moderate | $3.3B | 10.0% | 0.75% | vs |
| Emprise BankBank Wichita, KS | 66 out of 100, Moderate | $2.8B | 7.7% | 0.37% | vs |
| KS StateBankBank Manhattan, KS | 64 out of 100, Moderate | $2.6B | 13.0% | 2.49% | vs |
Deposit insurance
Is my money safe at Capitol Federal Savings Bank?
Yes. Capitol Federal Savings Bank is an FDIC-insured institution (FDIC certificate #27981). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 11.2% of deposits ($771.4M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.57%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
45 locations
Branches
Capitol Federal Savings Bank lists 45 offices in 19 cities across 2 states. Most locations:
- Topeka, KS (9)
- Wichita, KS (7)
- Overland Park, KS (5)
- Kansas City, MO (3)
- Lawrence, KS (3)
- Kansas City, KS (2)
- Manhattan, KS (2)
- Olathe, KS (2)
- Shawnee, KS (2)
- Andover, KS (1)
- Derby, KS (1)
- Emporia, KS (1)
HMDA 2025
Mortgage lending
In 2025, Capitol Federal Savings Bank reported 2,115 home-loan applications under HMDA (LEI 549300C61LNGA8J8EF85): 1,598 originated ($681,100,000 total), 276 denied, and 174 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.2%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Capitol Federal Savings Bank
- Former names
- Capitol Federal Savings and Loan Association
- Type
- Savings bank
- FDIC certificate #
- 27981
- RSSD ID
- 968070
- Primary regulator
- OCC
- Holding company
- Capitol Federal Financial Inc
- Established
- January 1, 1893
- Headquarters
- 700 S Kansas Ave, Topeka, KS 66603
- Website
- www.capfed.com
- Employees
- 662
Quick answers
Capitol Federal Savings Bank: common questions
Is Capitol Federal Savings Bank FDIC insured?
Yes. Capitol Federal Savings Bank is an FDIC-insured institution (FDIC certificate #27981). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Capitol Federal Savings Bank's TellerScore?
61 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Capitol Federal Savings Bank ever failed?
There is no failure record for FDIC certificate #27981 in the FDIC failed bank list.
How many branches does Capitol Federal Savings Bank have?
45 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Topeka
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Topeka Firemen'S Credit UnionCredit union Topeka, KS | 92 out of 100, Very strong | $11.7M | 25.8% | 0.03% | vs |
| Topeka Police Credit UnionCredit union Topeka, KS | 88 out of 100, Very strong | $6.3M | 15.7% | 0.05% | vs |
| Empower Blue Credit UnionCredit union Topeka, KS | 88 out of 100, Very strong | $55.1M | 18.1% | 0.10% | vs |
| The Denison State BankBank Holton, KS | 87 out of 100, Very strong | $453.6M | 17.5% | 1.08% | vs |
| 1st Kansas Credit UnionCredit union Topeka, KS | 86 out of 100, Very strong | $12.2M | 19.9% | 0.41% | vs |
| Kaw Valley State Bank and Trust CompanyBank Wamego, KS | 85 out of 100, Very strong | $295.8M | 11.7% | 0.08% | vs |