FDIC Cert #27981 · Topeka, Kansas · Est. 1893

Capitol Federal Savings Bank - FDIC Bank Health Profile

A community-scale look at Capitol Federal Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$9.8B
Total assets
C
Health grade · Fair
0.76%
Return on assets
9.5%
Tier 1 capital

Data updated July 2026

The verdict

Capitol Federal Savings Bank earns a PlainBankData health grade of C (64/100), with 9.53% Tier 1 capital, 0.76% ROA, efficient (57% cost ratio).

#157
largest of 4,313 FDIC banks by assets
96th
percentile by asset size, nationally
9.53%
Tier 1 ratio - below the 10% well-capitalized line
27th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 27981 · KS C · 64/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-PAR · SIZE-REGIONAL · BOOK-FULL

  • GRADE-C C (64/100)
  • LOWER-Q #3532/4307
  • PHOTO-FINISH Transportation Allia… · UT
  • TIER1-ADEQ 9.5% Tier 1
  • TEXAS-CLEAN 4.8% Texas
  • ROA-PAR 0.76% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Kansas: Transportation Alliance Bank, Inc. d/b/a TAB Bank, UT (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Capitol Federal Savings Bank

Lowest and highest poles plus nearest scored peers outside Kansas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100BankVista · MN · near64/100Capitol Federal Savi… · KS ·…64/100Community Bank of Ea… · IL ·…64/100The Federal Savings… · IL · …64/100Transportation Allia… · UT ·…64/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Capitol Federal Savings Bank · July 2026

Call Report read for Capitol Federal Savings Bank in a high-failure state

Capitol Federal Savings Bank (FDIC Cert #27981) carries a PlainBankData health grade of C at 64/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,532 of 4,307. Tier 1 capital prints at 9.53%, missing the 10% well-capitalized line. The Texas Ratio is 4.78%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.76%. Balance-sheet scale is $9.8B, 157th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Transportation Alliance Bank, Inc. d/b/a TAB Bank (UT), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Capitol Federal Savings Bank

12 FAILURE resolutions in Kansas since 2000, heavy vs the state corpus

Capitol Federal Savings Bank sits in one of the heavier post-2000 FAILURE states (12 resolutions; latest year 2023). The list below is state history from the Failed Bank List, not a claim about Capitol Federal Savings Bank's current Call Report.

  • HEARTLAND TRI-STATE BANK ELKHART, KS 2023 → DREAM FIRST BANK,NATIONAL ASSOCIATION
  • ALMENA STATE BANK ALMENA, KS 2020 → EQUITY BANK
  • THE FARMERS AND MERCHANTS STATE BANK OF ARGONIA ARGONIA, KS 2017 → CONWAY BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Kansas banks.

How Capitol Federal Savings Bank's 64/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10064/100
Capitol Federal Savings Bank's composite health score
Tier 1 Capital Ratio (9.53%) 18/40
Return on Assets (ROA) (0.76%) 14/25
Texas Ratio (4.78%) 20/20
Efficiency Ratio (57.26%) 12/15

64 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$9.8B

Total balance-sheet footings

Total Deposits

$6.8B

Customer-funded liabilities

Net Loans

$8.2B

Outstanding loan book

Net Income

$74M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.13% 9.53% 10.93%
Basel III capital ratios - Capitol Federal Savings Bank

Where Capitol Federal Savings Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Capitol Federal Savings Bank's score of 64/100 falls in the highlighted band.

Capitol Federal Savings Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

64 18th percentile higher than 18% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Capitol Federal Savings Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Capitol Federal Savings Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Capitol Federal Savings Bank's $9.8B falls in the highlighted band.

Capital & credit buffers at Capitol Federal Savings Bank

Tier 1 capital ratio
Well-capitalized 10%

9.53% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.53%
Texas Ratio
4.78%
Equity Capital
$995M

What these ratios mean →

Profitability metrics: Capitol Federal Savings Bank

Return on Assets (ROA)
27th percentile nationally
0.76%
Return on Equity (ROE)
7.47%
Efficiency Ratio
57.26%

What these mean →

Income & expense at Capitol Federal Savings Bank

$409M
Interest Income
$25M
Non-Interest Income
$123M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Capitol Federal Savings Bank reports a Texas Ratio of 4.78% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

4.78% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Capitol Federal Savings Bank on FDIC BankFind →

Top banks in Kansas by total assets

Largest banks headquartered in Kansas
  1. 1
    Capitol Federal Savings Bank $9.8B

    Topeka, KS · Grade C

  2. 2
    Intrust Bank $7.0B

    Wichita, KS · Grade B

  3. 3
    Equity Bank $6.3B

    Andover, KS · Grade B

  4. 4
    Security Bank of Kansas City $3.8B

    Kansas City, KS · Grade A

  5. 5
    Fidelity Bank $3.3B

    Wichita, KS · Grade B

Top 5 banks in Kansas ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($9.8B here), outside Kansas so the neighborhood is not state containment.

Tri Counties Bank $9.8B · CA Amerant Bank $9.8B · FL NBH Bank $9.8B · CO International Bank of Commerce $9.8B · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Capitol Federal Savings Bank (FDIC Cert #27981) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Capitol Federal Savings Bank Call Report profile · FDIC Failed Bank List · Kansas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Kansas

All Kansas banks →
BankAssetsGradeROA
Intrust Bank, National AssociationWichita $7.0B B 1.20%
Equity BankAndover $6.3B B 0.55%
Security Bank of Kansas CityKansas City $3.8B A 1.37%
Fidelity Bank, National AssociationWichita $3.3B B 0.99%
Emprise BankWichita $2.8B B 1.32%
KS StateBankManhattan $2.6B A 1.69%
Community National Bank & TrustChanute $2.5B B 0.96%
Landmark National BankManhattan $1.6B B 1.20%