Every 10-Q that Capitol Federal (CFFN) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow CFFN and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full CFFN filings page.
Capitol Federal Financial, Inc. reported net income of $64,022 thousand for the nine months ended June 30, 2026, up from $49,212 thousand a year earlier, with diluted EPS rising to $0.51 from $0.38. Net interest income increased to $157,066 thousand, and the net interest margin expanded to 2.25% from 1.92%. The efficiency ratio improved to 52.72% from 58.89%, while the operating expense ratio edged up to 1.25%.
Total assets were $9,662,184 thousand, including loans receivable, net of allowance for credit losses, of $8,166,762 thousand. Deposits were $6,850,705 thousand and borrowings $1,636,246 thousand, reflecting a shift toward deposit funding. Nonaccrual loans totaled $50,855 thousand against an allowance for credit losses of $26,103 thousand, and total delinquent loans remained a small share of the $8,192,865 thousand loan portfolio. Accumulated other comprehensive income declined to $8,079 thousand, mainly from unrealized losses on available-for-sale securities as market yields rose.
Capitol Federal Financial, Inc. reported stronger results for the six months ended March 31, 2026, with net income of $40.5 million, or $0.32 per share, compared with $30.8 million, or $0.24 per share, a year earlier. The improvement came mainly from higher net interest income.
The net interest margin widened to 2.22% from 1.89%, driven largely by growth in the higher-yielding commercial loan portfolio. The efficiency ratio improved to 53.05% from 59.23%, showing better revenue relative to operating costs, although the operating expense ratio ticked up to 1.24%.
Total loans were $8.11 billion, up modestly as a $201.8 million rise in commercial loans offset a $196.8 million decline in one- to four-family mortgages. Asset quality remained solid: loans 30–89 days delinquent were 0.15% of total loans and loans 90+ days delinquent or in foreclosure were 0.17%. The allowance for credit losses increased to $26.6 million, reflecting model assumptions and a specific commercial real estate relationship, but overall credit metrics stayed stable.
Capitol Federal Financial, Inc. reported net income of $20.3 million, or $0.16 per share, for the quarter ended December 31, 2025, up from $15.4 million, or $0.12 per share, a year earlier. The net interest margin rose to 2.19% from 1.86%, driven mainly by growth in higher-yielding commercial loans. Total loans reached $8.18 billion, with commercial balances increasing and one- to four-family mortgages declining as repayments fund commercial expansion. Deposits grew to $6.76 billion, while borrowings fell to $1.83 billion as excess liquidity was used to repay Federal Home Loan Bank advances. Asset quality remained strong, with loans 30–89 days delinquent at 0.24% of total loans and loans 90 days or more delinquent or in foreclosure at 0.10%. The Bank’s community bank leverage ratio was 9.5%, and stockholders’ equity was $1.04 billion, reflecting dividends of $0.085 per share and repurchases of 2.38 million shares during the quarter.
Capitol Federal Financial, Inc. (CFFN) 10-Q — Quarter ended June 30, 2025.
Key consolidated results:
- Total assets $9,692,739 thousand
- Loans receivable, net $8,023,554 thousand with an ACL of $22,808 thousand
- Deposits $6,431,137 thousand; Borrowings $2,071,585 thousand
- Quarter net income $18,382 thousand (basic EPS $0.14); nine-month net income $49,212 thousand (EPS $0.38)
- Net interest income (quarter) $45,458 thousand; provision for credit losses (quarter) $(451) thousand
- AFS securities fair value $956,229 thousand (amortized cost $933,360 thousand) with gross unrealized losses $662 thousand
- Net cash provided by operating activities $33,517 thousand; investing used $(211,802) thousand; financing provided $135,943 thousand
Balance sheet and income trends show higher net interest income and improved quarterly profitability versus the prior-year quarter, offset by sizable AFS purchases and unrealized losses disclosed.