BlastPoint's Banking Scorecard
Capitol Federal Savings Bank
Mid-Market
Specialty: Mortgage
KS
FDIC cert 27981
Designations: ✓ Community bank
Topeka, KS
201
banks in Mid-Market tier nationally
3 in KS
View Mid-Market leaderboard (KS) →
Capitol Federal Savings Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 10% in Mid-Market
- - Credit Risk Growth: Bottom 37% in Mid-Market
- - Net Interest Margin 1.33% below tier
- - Loan-to-Deposit Ratio 34.48% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$9.8B
+2.6% YoY
+0.1% QoQ
|
-$660.2M |
$10.5B
+2.9% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
65% |
| Total Loans ? |
$8.2B
+2.8% YoY
+0.8% QoQ
|
+$1.1B |
$7.1B
+4.5% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
74% |
| Total Deposits ? |
$6.8B
+8.5% YoY
+2.0% QoQ
|
-$1.7B |
$8.5B
+3.0% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
50% |
| Return on Assets ? |
0.76%
+43.5% YoY
+4.3% QoQ
|
-0.41% |
1.16%
+9.4% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
22% |
| Net Interest Margin ? |
2.07%
+14.2% YoY
+2.7% QoQ
|
-1.33% |
3.40%
+7.9% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 8% in tier |
| Efficiency Ratio ? |
57.26%
-5.4% YoY
-2.5% QoQ
|
+0.65% |
56.60%
-3.2% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
47% |
| Delinquency Rate ? |
0.60%
+310.6% YoY
+0.7% QoQ
|
-0.09% |
0.68%
+12.0% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
119.95%
-5.3% YoY
-1.1% QoQ
|
+34.48% |
85.47%
+1.1% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
10.10%
+6.2% YoY
-0.8% QoQ
|
-10.54% |
20.64%
-0.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
17% |
| Nonperforming Asset Ratio ? |
0.50%
+315.1% YoY
+2.0% QoQ
|
0 |
0.50%
+7.3% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
41% |
| Tier 1 Capital Ratio ? | 0.00% | -13.55% |
13.55%
+1.8% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
Bottom 1% in tier |
| Non-Interest Income / Assets ? |
0.26%
+8.1% YoY
+34.0% QoQ
|
-0.70% |
0.96%
+7.1% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 11% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Capital Thin
risk
#6 of 51 · Bottom 10% in Mid-Market
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 13.55%, National: 9.75%)
51 of 51 Mid-Market banks match
·
505 nationally
→ Stable
+11 banks QoQ
Credit Risk Growth
risk
#33 of 87 · Bottom 37% in Mid-Market
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
87 of 87 Mid-Market banks match
·
759 nationally
→ Stable
+24 banks QoQ
Net Interest Margin
metric
Bottom 8%
in Mid-Market
Why this stands out
Current:
2.07%
(Tier avg: 3.40%, National avg: 3.75%)
Loan-to-Deposit Ratio
metric
Bottom 3%
in Mid-Market
Why this stands out
Current:
119.95%
(Tier avg: 85.47%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
74
74th pctile
Total Loans
Current: $8.2B · Tier avg: $7.1B
65
65th pctile
Total Assets
Current: $9.8B · Tier avg: $10.5B
50
50th pctile
Total Deposits
Current: $6.8B · Tier avg: $8.5B
49
49th pctile
Delinquency Rate
Current: 0.60% · Tier avg: 0.68%
47
47th pctile
Efficiency Ratio
Current: 57.26% · Tier avg: 56.60%
41
41th pctile
Nonperforming Asset Ratio
Current: 0.50% · Tier avg: 0.50%
22
22th pctile
Return on Assets
Current: 0.76% · Tier avg: 1.16%
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 10.10% · Tier avg: 20.64%
11
11th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.96%
8
8th pctile
Net Interest Margin
Current: 2.07% · Tier avg: 3.40%
3
3th pctile
Loan-to-Deposit Ratio
Current: 119.95% · Tier avg: 85.47%
0
0th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 13.55%
Top Weaknesses
0
0th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 13.55%
3
3th pctile
Loan-to-Deposit Ratio
Current: 119.95% · Tier avg: 85.47%
8
8th pctile
Net Interest Margin
Current: 2.07% · Tier avg: 3.40%
11
11th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.96%
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 10.10% · Tier avg: 20.64%
22
22th pctile
Return on Assets
Current: 0.76% · Tier avg: 1.16%
41
41th pctile
Nonperforming Asset Ratio
Current: 0.50% · Tier avg: 0.50%
47
47th pctile
Efficiency Ratio
Current: 57.26% · Tier avg: 56.60%
49
49th pctile
Delinquency Rate
Current: 0.60% · Tier avg: 0.68%
50
50th pctile
Total Deposits
Current: $6.8B · Tier avg: $8.5B
65
65th pctile
Total Assets
Current: $9.8B · Tier avg: $10.5B
74
74th pctile
Total Loans
Current: $8.2B · Tier avg: $7.1B