Capitol Federal Financial Inc
ir.capfed.comCapitol Federal Financial Inc (NASDAQ: CFFN) is a federally chartered savings bank holding company that attracts deposits from consumers and businesses and invests those funds primarily in one- to four-family residential mortgage loans and commercial loans. Revenue is generated through net interest income, the spread between interest earned on loans and mortgage-backed securities and interest paid on deposits and borrowings. Headquartered in Topeka, Kansas, the Bank operates with a large average deposit base per traditional branch of approximately $128.5 million as of September 30, 2025. The Bank is transitioning from a retail-oriented thrift toward a full-service commercial bank, with commercial loans growing to 26% of the total loan portfolio as of September 30, 2025, up from 19% at the prior fiscal year end. Total interest-earning assets averaged $9.19 billion for the year ended September 30, 2025, generating $399.5 million in interest income. Stockholders' equity was $1.05 billion as of September 30, 2025, and the Bank maintained a community bank leverage ratio of 9.6%.
Products & Services
One- to four-family residential mortgage loans (originated and purchased), commercial real estate loans, commercial and industrial loans, commercial construction loans, consumer loans, mortgage-backed securities, deposits (checking, high-yield savings, other savings), treasury management services, trust and wealth management services, insurance, small business banking, and a private banking line of business planned for fiscal year 2026.
Revenue Model
Net interest income driven by the spread between long-term interest rates on loans and mortgage-backed securities and short-term rates paid on deposits and borrowings. Total interest income was $399.5 million for the year ended September 30, 2025, earned across one- to four-family loans ($219.5 million), commercial loans ($104.2 million), MBS ($46.3 million), FHLB stock ($9.0 million), investment securities ($3.4 million), and cash equivalents ($8.4 million). The Bank is actively expanding non-interest revenue through treasury management, trust and wealth management, insurance, and small business banking.
Customers & Markets
Consumer depositors and borrowers for one- to four-family residential mortgage products. Commercial customers including businesses seeking commercial real estate, commercial and industrial, and construction loans. High-net-worth depository customers and small business owners targeted through an expanding private banking offering. The Bank closed $901.9 million in commercial loans during the year ended September 30, 2025, compared to $350.6 million in the prior fiscal year.
Geographic Exposure
Headquartered in Topeka, Kansas. Serves customers through a limited number of branch locations; average deposit base per traditional branch was approximately $128.5 million as of September 30, 2025. Commercial real estate loans include exposures in geographic markets outside the primary Kansas footprint through purchased loans.
Financial Snapshot
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