Side-by-side · Q2 2026 data
The Denison State Bank vs Capitol Federal Savings Bank
Metric by metric
| Measure | The Denison State Bank | Capitol Federal Savings Bank |
|---|---|---|
| TellerScore | 87 (stronger) | 61 |
| Capital cushion | 100 (stronger) | 46 |
| Loan quality | 64 | 79 (stronger) |
| Earnings | 100 (stronger) | 56 |
| Funding & liquidity | 78 (stronger) | 50 |
| Problem-loan coverage | 92 (stronger) | 90 |
| Peer percentile | 91st | 24th |
| Total assets | $453.6M | $9.7B |
| Deposits / shares | $369.3M | $6.9B |
| Capital ratio | 17.53% (stronger) | 9.57% |
| Problem loans | 1.08% | 0.62% (stronger) |
| Net charge-offs | 0.81% | 0.00% (stronger) |
| Return on assets | 2.00% (stronger) | 0.90% |
| Loans ÷ deposits | 81.4% (stronger) | 118.1% |
| Uninsured deposits | 16.0% | 11.2% (stronger) |
| Offices | 5 | 45 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.2% | 14.2% |
The Denison State Bank has the higher TellerScore (87 vs 61). On the 7 directional measures above (where higher or lower is clearly better), The Denison State Bank leads on 4 and Capitol Federal Savings Bank on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.