Capitol Federal Financial, Inc.
For the period ended Mar 31, 2026. Filed May 8, 2026.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Mar 31, 2026 · Filed May 8, 2026
CFFN$8.43-0.7%Stored close · as of Nov 6, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Operating Results
The following table presents selected income statement and other information for the quarters indicated.
| For the Three Months Ended | |||||
|---|---|---|---|---|---|
| March 31, | December 31, | September 30, | June 30, | March 31, | |
| 2026 | 2025 | 2025 | 2025 | 2025 | |
| (Dollars in thousands, except per share data) | |||||
| Interest and dividend income: | |||||
| Loans receivable | $89,323 | $89,792 | $87,343 | $82,914 | $80,867 |
| MBS | 10,853 | 11,341 | 11,808 | 12,163 | 11,264 |
| Cash and cash equivalents | 2,474 | 2,773 | 2,148 | 1,620 | 2,729 |
| FHLB stock | 1,858 | 2,032 | 2,163 | 2,197 | 2,285 |
| Investment securities | 52 | 51 | 582 | 784 | 1,030 |
| Total interest and dividend income | 104,560 | 105,989 | 104,044 | 99,678 | 98,175 |
| Interest expense: | |||||
| Deposits | 36,299 | 37,500 | 37,204 | 35,860 | 35,853 |
| Borrowings | 15,995 | 17,172 | 18,057 | 18,360 | 18,482 |
| Total interest expense | 52,294 | 54,672 | 55,261 | 54,220 | 54,335 |
| Net interest income | 52,266 | 51,317 | 48,783 | 45,458 | 43,840 |
| Provision for credit losses | 2,372 | 1,106 | 519 | (451) | — |
| Net interest income | |||||
| (after provision for credit losses) | 49,894 | 50,211 | 48,264 | 45,909 | 43,840 |
| Non-interest income | 5,459 | 5,479 | 5,791 | 5,288 | 4,953 |
| Non-interest expense | 30,274 | 30,476 | 31,018 | 29,564 | 29,540 |
| Income tax expense | 4,931 | 4,910 | 4,224 | 3,251 | 3,854 |
| Net income | $20,148 | $20,304 | $18,813 | $18,382 | $15,399 |
| Efficiency ratio | 52.45% | 53.66% | 56.84% | 58.26% | 60.54% |
| Operating expense ratio (annualized) | 1.24 | 1.24 | 1.27 | 1.23 | 1.23 |
| Basic EPS | $0.16 | $0.16 | $0.14 | $0.14 | $0.12 |
| Diluted EPS | 0.16 | 0.16 | 0.14 | 0.14 | 0.12 |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.