Capitol Federal posts $86.4M preliminary FY2026 profit

Q: What dividend did CFFN announce for November 2026?

CFFN announced a quarterly cash dividend of $0.085 per share, or approximately $10.3 million. It is payable November 20, 2026, to stockholders of record as of the close of business on November 6, 2026.

Tangible book value was $8.02 per share at September 30, 2026, up $0.17 from September 30, 2025.

Filing Impact

(High)

Filing Sentiment

(Neutral)How Sentiment works

Sentiment and the balance of points

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Form Type

8-K

Rhea-AI Filing Summary

Capitol Federal Financial, Inc. (CFFN) announced preliminary fiscal 2026 results, with net income of $86.4 million, up from $68.0 million in fiscal 2025. Fourth-quarter net income was $22.4 million, down 5.1% from $23.6 million in the prior quarter, while net interest margin rose to 2.39% from 2.31% and net interest income reached $54.8 million.

Commercial loans grew $468.8 million year over year to $2.58 billion at September 30, 2026; deposits increased $267.7 million and borrowings decreased $335.3 million during fiscal 2026. CFFN repurchased 8,054,222 shares for $60.6 million during the year and announced a $0.085-per-share dividend, payable November 20, 2026, to stockholders of record as of the close of business November 6.

For fiscal 2027, management projects approximately 17% commercial loan growth, approximately 2.5% growth in total loans receivable, net, 6.2% deposit growth and 7% non-interest expense growth. Salary and benefits expense is anticipated to rise approximately 4.8%, and information technology expense approximately 22.4%.

1 point · 0 major

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Rhea-AI Sentiment measures something else, the tone of the wording.

How the balance works How Sentiment works

0 major · 1 point

How the balance works

Positive

Moderate pointFiscal 2026 net income rose 27.0% to $86.4 million.

Negative

Moderate pointFourth-quarter net income declined 5.1% to $22.4 million sequentially.

Filing Explained

At September 30, 2026, management expected most $473,276 thousand in undisbursed commercial real-estate and construction loan amounts to be funded, with most noncancellable.

The filing adds that Capitol Federal repurchased 827,920 shares through October 23, 2026 and received Federal Reserve non-objection for $75.0 million in additional repurchase authority, to begin after the current plan. The additional authority is capacity, not a committed purchase; $10.5 million remained authorized under the current plan at September 30, 2026.

At September 30, 2026, the Bank reported $473,276 thousand in undisbursed commercial real-estate and construction loan amounts and $127,036 thousand in commitments; management expected to fund most undisbursed amounts, noting most were not cancellable by the Bank. These are listed as undisbursed amounts and commitments, not funded balances.

A $15 million commercial lending relationship was classified as substandard during the quarter because of property cash-flow concerns; it was current at quarter-end, and an appraisal was pending.

8-K Event Classification

3 items: 2.02, 7.01, 9.01

3 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, or exhibit attachments filed with this report.

Key Figures

Fiscal 2026 net income: $86.4 million Fourth-quarter net income: $22.4 million Net interest margin: 2.39% +5 more

8 metrics

Fiscal 2026 net income $86.4 million Year ended September 30, 2026; up 27.0% from fiscal 2025

Fourth-quarter net income $22.4 million Quarter ended September 30, 2026; down 5.1% from the prior quarter

Net interest margin 2.39% Quarter ended September 30, 2026; 2.31% in the prior quarter

Commercial loan balance $2.58 billion Outstanding at September 30, 2026

Total assets $9.67 billion At September 30, 2026

Share repurchases 8,054,222 shares Repurchased for $60.6 million during fiscal 2026

Quarterly cash dividend $0.085 per share Payable November 20, 2026

Projected non-interest expense growth 7% Fiscal 2027 projection

Key Terms

net interest margin, efficiency ratio, allowance for credit losses, debt service coverage ratio, +1 more

5 terms

net interest margin financial

"net interest margin increased eight basis points"

Net interest margin measures how much a bank earns from lending and investing compared with what it pays for funding, expressed as a percentage of its interest-earning assets. Think of it like a grocery store’s markup: it shows the gap between buying cost and selling price per dollar of goods — here, the cost is interest paid and the sale is interest received. Investors watch it because a higher margin usually means a bank is more profitable and better at managing interest rate and credit conditions.

efficiency ratio financial

"efficiency ratio is a measure of a financial institution's total non-interest expense"

A measure of how much a company spends to produce each dollar of revenue, usually shown as operating expenses divided by revenue and expressed as a percentage. Think of it as a household’s budget: a lower percentage means more of each dollar earned stays as profit, while a higher number means costs are eating into returns. Investors use it to judge cost control and compare how efficiently companies turn revenue into earnings, especially in banks and financial firms.

allowance for credit losses financial

"allowance for credit losses ("ACL")"

Allowance for credit losses is a reserve set aside by a financial institution to cover potential losses from borrowers who may not repay their loans. It acts like a safety net, helping the institution prepare for loans that might turn sour. For investors, it signals how cautious the institution is about the quality of its loans and potential risks to its financial health.

debt service coverage ratio financial

"weighted average debt service coverage ratio ("DSCR")"

Debt service coverage ratio measures how many times a company's available cash flow can pay its scheduled debt payments (interest plus principal). Think of it like checking how many months of take-home pay it would take to cover your mortgage and loan bills; a higher number means a bigger cushion against missed payments. Investors use it to gauge credit risk, the likelihood of default, and whether a company can afford dividends or new borrowing.

loan-to-value financial

"weighted average loan-to-value ("LTV")"

Loan-to-value is the percentage that shows how large a loan is compared with the appraised value of the asset backing it, for example a house or other property. Investors care because a higher percentage means more of the asset’s value is borrowed — like buying a car with almost no down payment — which increases the chance of loss for lenders and can lead to higher interest rates, stricter terms, or greater risk for holders of related securities.

Earnings Snapshot

Fourth-quarter net income: $22.4 million · Guidance included

Fourth quarter and fiscal year ended September 30, 2026

Fourth-quarter net income $22.4 million Down 5.1% from $23.6 million in the prior quarter

Fiscal-year net income $86.4 million Up 27.0% from $68.0 million in fiscal 2025

Fourth-quarter net interest margin 2.39% Up 8 basis points from 2.31% in the prior quarter

Guidance

For fiscal 2027, management projects approximately 17% commercial loan growth, approximately 2.5% growth in total loans receivable, net, 6.2% deposit growth, and 7% non-interest expense growth.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

How much did CFFN earn in fiscal 2026?

Capitol Federal Financial reported fiscal 2026 net income of $86.4 million, or $0.69 per share, compared with $68.0 million, or $0.52 per share, in fiscal 2025. The company attributed the increase mainly to higher net interest income and non-interest income, partly offset by higher non-interest expense and income tax expense.

What dividend did CFFN announce for November 2026?

CFFN announced a quarterly cash dividend of $0.085 per share, or approximately $10.3 million. It is payable November 20, 2026, to stockholders of record as of the close of business on November 6, 2026.

When will CFFN's new digital banking features launch?

The company expects its self-directed and automated investing capabilities and new debit card management software to launch in the first quarter of fiscal 2027, with full availability to all customers in the second quarter of fiscal 2027.

AI-generated analysis. How Rhea-AI works. Not financial advice.

Understanding 8-K Material Events →

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Available on EDGAR 10/28/2026 - 09:46 AM EDT Accepted by SEC EDGAR 10/28/2026 - 09:45 AM EDT

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934

Date of Report (Date of earliest event reported)

October 27, 2026

CAPITOL FEDERAL FINANCIAL, INC.

(Exact name of registrant as specified in its charter)



Maryland	001-34814	27-2631712
(State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer Identification No.)


700 South Kansas Avenue,	Topeka	Kansas	66603
(Address of principal executive offices)			(Zip Code)

Registrant's telephone number, including area code

(785) 235-1341

N/A

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:


Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common Stock, par value $0.01 per share	CFFN	The NASDAQ Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

ITEM 2.02 RESULTS OF OPERATIONS AND FINANCIAL CONDITION

On October 28, 2026, Capitol Federal Financial, Inc. (the “Company”) issued a press release announcing financial results for the fourth quarter of fiscal year 2026. A copy of the press release is attached hereto as Exhibit 99.1 and is incorporated herein by reference.

Also on October 28, 2026, the Company made available on the investor relations page of its website, at https://ir.capfed.com, its Quarterly Investor Presentation for the fourth quarter of fiscal year 2026. A copy of the presentation is attached hereto as Exhibit 99.2 and is incorporated herein by reference.

ITEM 7.01 REGULATION FD DISCLOSURE

The Company's press release dated October 27, 2026 announcing a quarterly cash dividend of $0.085 per share on outstanding Company common stock payable on November 20, 2026 to stockholders of record as of the close of business on November 6, 2026, is attached hereto as Exhibit 99.3 and is incorporated herein by reference.

ITEM 9.01 FINANCIAL STATEMENTS AND EXHIBITS

(d) Exhibits

Exhibit 99.1 – Press release reporting results for the fourth quarter of fiscal year 2026, dated October 28, 2026.

Exhibit 99.2 – Quarterly investor presentation for the fourth quarter of fiscal year 2026.

Exhibit 99.3 – Press release announcing quarterly dividend and stock buyback update, dated October 27, 2026.

Exhibit 104 – Cover page interactive data file, formatted in Inline XBRL.



			SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.



			CAPITOL FEDERAL FINANCIAL, INC.
Date: October 28, 2026			By: /s/ Kent G. Townsend


			Kent G. Townsend, Executive Vice-President,
			Chief Financial Officer, and Treasurer

NEWS RELEASE

FOR IMMEDIATE RELEASE

October 28, 2026

CAPITOL FEDERAL FINANCIAL, INC.®

REPORTS FOURTH QUARTER AND FISCAL YEAR 2026 RESULTS

Topeka, KS - Capitol Federal Financial, Inc.® (NASDAQ: CFFN) (the "Company," "we" or "our"), the parent company of Capitol Federal Savings Bank (the "Bank"), announced preliminary results today for the quarter and fiscal year ended September 30, 2026. For best viewing results, please view this release in Portable Document Format (PDF) on our website, https://ir.capfed.com. Additionally, our quarterly investor presentation can also be found on our website at https://ir.capfed.com/events-and-presentations/default.aspx.

The Company ended the current quarter with total assets of $9.67 billion and stockholders' equity of $1.01 billion and reported net income for the quarter of $22.4 million. For the fiscal year ended September 30, 2026, the Company reported net income of $86.4 million, up from $68.0 million for fiscal year 2025. This marks our ninth consecutive quarter of net interest income growth and net interest margin expansion. For the quarter, net interest income increased $1.3 million to $54.8 million, and net interest margin increased eight basis points to 2.39%, each due primarily to the continued growth in the higher-yielding commercial loan portfolio.

The continued remix of our assets and the strong earnings performance are the direct result of disciplined execution of our strategic banking initiatives. Executing on these initiatives during the current quarter allowed us to grow our commercial loan portfolio by $111.8 million, bringing the total outstanding balance to $2.58 billion at September 30, 2026, up from $2.12 billion at September 30, 2025. We continue to increase our commercial loan portfolio primarily by redeploying funds received from the repayment of single-family loans not utilized to replace originations in our local markets. Deposits grew $267.7 million during fiscal year 2026, primarily in retail deposits while the balance of our borrowings decreased $335.3 million, reflecting a significant remixing of our funding base. In addition, our commitment to share repurchases continued with the purchase of 2,512,196 shares for $21.7 million between July 1, 2026 and October 23, 2026.

John Dicus, CEO, stated, "Our fiscal year 2026 results reflect continued success in executing our strategic initiatives and the investments we have made in our people, technology and products. These investments have expanded our capabilities across all lines of business, allowing us to offer a broader range of products and services to our consumer and commercial clients, while also enhancing our trust and wealth management offerings. Our solid financial results and continued strong capital position are a direct result of ongoing commitment to our corporate strategies. These benefit our stockholders by enabling the payment of dividends, including a special dividend paid in January 2026, repurchases of our stock and a higher tangible book value per share. We expect that dividends and repurchases will continue."

Highlights for the current quarter include:

•net income of $22.4 million;

•net interest margin was 2.39%, an increase from 2.31% for the quarter ended June 30, 2026 (the "prior quarter");

•basic and diluted earnings per share of $0.18;

•an efficiency ratio of 53.79%;

•an operating expense ratio of 1.35%;

•cash dividends paid of $10.5 million, or $0.085 per share, and

•repurchased 1,684,276 shares of common stock at an average price of $8.74 per share.

•on October 27, 2026, the Company announced a cash dividend of $0.085 per share, payable on November 20, 2026 to stockholders of record as of the close of business on November 6, 2026.

Fiscal Year 2026 balance sheet highlights include:

•total assets of $9.67 billion at September 30, 2026;

•tangible book value per share of $8.02 at September 30, 2026, an increase of $0.17 since September 30, 2025;

•commercial loan growth of $468.8 million, or 22.2% since September 30, 2025;

•commercial deposit growth of $13.1 million, or 2.6% since September 30, 2025;

•distributions of $112.0 million from the Bank to the Company during fiscal year 2026; and

•cash dividends paid of $0.38 per share.

Billy Skrobacz, Jr., President, stated, "We have been building on the foundation laid in previous years to transform Capitol Federal into a fully integrated commercial bank providing products and services to all of our customer segments. Strategically, we are remixing our balance sheet and finding efficiencies in our operations while scaling our commercial capabilities and delivering exceptional customer service. We now provide retail, commercial, trust and wealth, private banking, and insurance customers with all of their financial services needs under one umbrella. We look forward to continued growth in the next fiscal year."

Strategic Banking Initiatives

As a full-service bank, we remain focused on broadening our product and service offerings, expanding our customer base, and enhancing the overall customer experience, through investments in technology, tactical talent acquisitions, effective marketing, enhanced internal monitoring of performance measures, and disciplined execution as we launch new services and products. Our marketing and business development efforts are strengthening and expanding our customer relationships. Our experienced and well-connected commercial bankers and trust and wealth advisors continue to identify and on-board new customer groups. Our treasury management product suite allows us to deliver best-in-class service to new and existing customers. We customize solutions using our broad product suite, advanced digital platforms and sophisticated cash management tools as we leverage our centralized organizational structure to respond quickly to our customers' needs and desires.

Commercial Lending. Commercial loans continue to grow as a percentage of our total loan portfolio, comprising 31% of the portfolio at September 30, 2026, compared to 26% at September 30, 2025. We continue to bring new commercial relationships into our portfolio, many with strong local connections. As we do this, we maintain strong credit quality through disciplined underwriting, ongoing credit administration and close monitoring of concentration levels by collateral type, geographic location and borrowing relationship.

We continue to leverage loan pricing and profitability software that provides insights on lending opportunities based on the full customer banking relationship and market intelligence regarding competitor pricing. As a result, we profitably compete with other financial institutions both inside and outside our market areas, leading, in part, to the growth in our commercial lending portfolio.

Treasury Management. The Bank's competitive suite of treasury management products is supported by an experienced team of treasury management officers. This team focuses on serving the deposit and cash management needs of commercial customers, growing this line of business through the acquisition of new customers located in our local market areas, and those we lend to outside these areas.

Our team of business development officers is tasked with growing the deposit base within the small business customer segment and providing product offerings specifically designed for these customers. Treasury management officers and business development officers often establish deposit relationships with new customers independent of a lending relationship. This is a focus area for our sales teams as the Bank diversifies funding sources and seeks to increase fee revenue tied to depository accounts.

In fiscal year 2027, we plan to add cash concentration services and new mobile features, and continue pursuing growth in our recently launched corporate card and lockbox products.

Digital Banking. We invest in digital banking to better serve our existing customers and attract new customers. As customers increasingly demand better digital experiences from a bank they can trust, we believe that we are well positioned to compete with fintech providers and other financial institutions because of the breadth of our product offerings, advanced digital platforms, and quality personal service.

During the current quarter, we (1) completed development that brings both self-directed and automated investing capabilities into True Blue Online®, providing customers with an investment experience directly connected to their checking or savings account and (2) completed development of new debit card management software for True Blue Online®, continuing to improve self-service debit card management capabilities. We expect both of these features to be launched in the first quarter of fiscal year 2027 with full availability to all customers in the second quarter of fiscal year 2027.

In fiscal year 2027, we have planned initiatives for a new mobile experience for youth banking with parental spending controls, improved onboarding workflows to make it easier to open an account with the Bank, and additional digital servicing features that allow customers to complete more account maintenance activities online.

Wealth Management. Building on our strategic investments in wealth management and private banking, we are making meaningful progress toward implementing customer-facing tools that advance our long-term growth objectives. We have enhanced our trust and financial advisory platform, including improvements to processes, technology, and service delivery that are expected to strengthen

both the client and advisor experience. This transformation is expected to be fully implemented by the second quarter of fiscal year 2027.

In private banking, we have deepened relationships with high-net-worth households, business owners, and commercial clients through the onboarding of new relationships that include a combination of wealth management assets, deposits, and lending opportunities. Our focus on delivering coordinated banking, lending, and wealth management solutions has enhanced client engagement and expanded opportunities across multiple lines of business.

We also have increased referral activity between the wealth management, retail banking, and commercial banking teams. These collaborative efforts have led to the identification of opportunities to serve clients more comprehensively and support the Bank's strategy of growing fee-based revenue while deepening core customer relationships. These factors have contributed to strong new client acquisition and asset growth.

The progress achieved this quarter demonstrates continued momentum in building a scalable wealth management and private banking model that we believe will generate sustainable revenue growth, improve operating efficiency, and enhance stockholder value over time.

Stockholder Value. The intended result of our strategic initiatives is to deliver long-term sustainable stockholder value. As part of our historically robust and disciplined approach to capital management, we continue to generate returns to stockholders through earnings, dividend payments and share repurchases. Total dividends paid during the fourth quarter of fiscal year 2026 were $10.5 million, or $0.085 per share. During the year ended September 30, 2026, the Company paid dividends totaling $48.0 million, or $0.380 per share. We repurchased 8,054,222 shares for $60.6 million during the current fiscal year. Subsequent to September 30, 2026, the Company repurchased an additional 827,920 shares for $7.0 million through October 23, 2026. Since converting to a fully public company in December 2010 through September 30, 2026, we have returned $2.11 billion to stockholders through $1.61 billion in cash dividends and $500.6 million in share repurchases. For fiscal year 2027, it is the intention of the Board of Directors to continue the regular quarterly cash dividend of $0.085 per share and to seek further opportunities for value-enhancing share repurchases. At September 30, 2026, at the holding company level, the Company had $22.1 million in cash on deposit at the Bank.

Comparison of Operating Results for the Three Months Ended September 30, 2026 and June 30, 2026

For the quarter ended September 30, 2026, the Company recognized net income of $22.4 million, or $0.18 per share, compared to net income of $23.6 million, or $0.19 per share, for the quarter ended June 30, 2026. The decrease in net income was due primarily to higher non-interest expenses and a decrease in non-interest income, partially offset by an increase in net interest income. The net interest margin increased eight basis points, from 2.31% for the prior quarter to 2.39% for the current quarter, due primarily to continued growth in the higher yielding commercial loan portfolio.

Interest and Dividend Income

The following table presents the components of interest and dividend income for the periods presented, along with the change measured in dollars and percent.


	For the Three Months Ended
	September 30,		June 30,		Change Expressed in:
	2026		2026		Dollars		Percent
	(Dollars in thousands)
INTEREST AND DIVIDEND INCOME:
Loans receivable	$	93,070	$	90,566	$	2,504	2.8	%
Mortgage-backed securities ("MBS")	10,242		10,747		(505)		(4.7)
Cash and cash equivalents	1,173		1,988		(815)		(41.0)
Federal Home Loan Bank Topeka ("FHLB") stock	1,718		1,767		(49)		(2.8)
Investment securities	51		51		—		—
Total interest and dividend income	$	106,254	$	105,119	$	1,135	1.1

The increase in interest income on loans receivable was due to continued growth in the commercial loan portfolio, as a significant portion of the cash flows from the one- to four-family loan portfolio continue to be redirected into the higher yielding commercial loan portfolio, along with an increase in the average yield on the one- to four-family loan portfolio. The decrease in interest income on cash and cash equivalents was due to a decrease in the average balance of cash compared to the prior quarter.

Interest Expense

The following table presents the components of interest expense for the periods presented, along with the change measured in dollars and percent.


	For the Three Months Ended
	September 30,		June 30,		Change Expressed in:
	2026		2026		Dollars		Percent
	(Dollars in thousands)
INTEREST EXPENSE:
Deposits	$	36,167	$	36,275	$	(108)	(0.3)	%
Borrowings	15,258		15,361		(103)		(0.7)
Total interest expense	$	51,425	$	51,636	$	(211)	(0.4)

The decrease in interest expense on deposits was due primarily to a decrease in the average cost and average balance of retail certificates of deposit ("CDs"), offset by an increase in the average balance of high yield savings accounts. The reduction in the average cost of retail CDs was due to existing higher rate CDs renewing at lower rates as the Bank selectively changed rates on term CDs while retaining approximately 82% of CD renewals. Interest expense on borrowings decreased compared to the prior quarter due to continued repayments on amortizing FHLB advances, along with the full quarter impact of $50.0 million of FHLB borrowings that matured during the prior quarter and were not replaced.

Provision for Credit Losses

No provision for credit losses was recorded during the current quarter, as the increase in provision for credit losses associated with off-balance sheet credit exposures was offset by a release of provision for credit losses associated with the allowance for credit losses ("ACL"), due primarily to a more favorable forecast for some of the commercial-related economic indices, primarily commercial real estate price indices. The Company recorded a release of provision for credit losses of $433 thousand during the prior quarter.

Non-Interest Income

The following table presents the components of non-interest income for the periods presented, along with the change measured in dollars and percent.


	For the Three Months Ended
	September 30,		June 30,		Change Expressed in:
	2026		2026		Dollars		Percent
	(Dollars in thousands)
NON-INTEREST INCOME:
Deposit service fees	$	2,927	$	2,987	$	(60)	(2.0)	%
Income from bank-owned life insurance ("BOLI")	1,526		1,856		(330)		(17.8)
Insurance commissions	749		838		(89)		(10.6)


Other non-interest income	832		987		(155)		(15.7)
Total non-interest income	$	6,034	$	6,668	$	(634)	(9.5)

The decrease in income from BOLI was due primarily to death benefits received in the prior quarter with no such benefits in the current quarter. The decrease in other non-interest income was due primarily to decreases in brokerage and trust fee income and insurance commissions, reflecting fewer one-time fees related to account closures and distributions in the prior quarter as we transition service providers, while recurring fee revenue remained strong.

Non-Interest Expense

The following table presents the components of non-interest expense for the periods presented, along with the change measured in dollars and percent.


	For the Three Months Ended
	September 30,		June 30,		Change Expressed in:
	2026		2026		Dollars		Percent
	(Dollars in thousands)
NON-INTEREST EXPENSE:
Salaries and employee benefits	$	17,048	$	16,858	$	190	1.1	%
Information technology and related expense	5,721		4,787		934		19.5
Occupancy, net	3,333		3,372		(39)		(1.2)
Professional and other services	1,706		1,501		205		13.7
Advertising and promotional	1,468		1,365		103		7.5
Federal insurance premium	1,096		1,103		(7)		(0.6)
Deposit and loan transaction costs	716		631		85		13.5
Office supplies and related expense	440		442		(2)		(0.5)


Other non-interest expense	1,208		1,283		(75)		(5.8)
Total non-interest expense	$	32,736	$	31,342	$	1,394	4.4

The increase in information technology and related expense was driven primarily by credits and reimbursements from a vendor in the prior quarter related to contractual and service fulfillment matters. The increase in professional and other services was due primarily to increased consulting and controls testing services during the quarter.

The Company's efficiency ratio was 53.79% for the current quarter compared to 52.10% for the prior quarter. The efficiency ratio is a measure of a financial institution's total non-interest expense as a percentage of the sum of net interest income (pre-provision for credit losses) and non-interest income. A higher value generally indicates that it is costing the financial institution more money to generate revenue. The Company's operating expense ratio (annualized) for the current quarter was 1.35%, compared to 1.29% for the prior quarter. The operating expense ratio is a measure of a financial institution's total non-interest expense as a percentage of average assets, providing insight into how efficiently the Company is managing its expenses in relation to its assets and does not take into consideration changes in interest rates. The operating expense ratio was higher in the current quarter due to higher non-interest expense.

Income Tax Expense

The following table presents pretax income, income tax expense, and net income for the periods presented, along with the change measured in dollars and percent and the effective tax rate.


	For the Three Months Ended
	September 30,			June 30,			Change Expressed in:
	2026			2026			Dollars		Percent
	(Dollars in thousands)
Income before income tax expense	$	28,127		$	29,242		$	(1,115)	(3.8)	%
Income tax expense	5,751			5,672			79		1.4
Net income	$	22,376		$	23,570		$	(1,194)	(5.1)

Effective tax rate	20.4		%	19.4		%

The increase in income tax expense and the effective tax rate was due primarily to a true-up of the estimates utilized in prior fiscal year State of Kansas tax return based on updated information and refinements to the related tax calculation during the current quarter. The true-up increased income tax expense and caused the effective tax rate to increase notwithstanding the decrease in income before income tax expense.

Comparison of Operating Results for the Years Ended September 30, 2026 and 2025

The Company recognized net income of $86.4 million, or $0.69 per share, for the current year, compared to net income of $68.0 million, or $0.52 per share for the prior year. The increase in net income was due mainly to higher net interest income and non-interest income, partially offset by higher non-interest expense and income tax expense. The net interest margin increased 32 basis points, from 1.96% for the prior year to 2.28% for the current year. The increase in net interest margin was due mainly to growth in the higher yielding commercial loan portfolio, along with a decrease in the average balance of borrowings and the average cost of CDs, partially offset by an increase in the average balance of deposits, mainly high yield savings accounts.

Interest and Dividend Income

The following table presents the components of interest and dividend income for the periods presented, along with the change measured in dollars and percent.


	For the Year Ended
	September 30,				Change Expressed in:
	2026		2025		Dollars		Percent
	(Dollars in thousands)
INTEREST AND DIVIDEND INCOME:
Loans receivable	$	362,751	$	332,518	$	30,233	9.1	%
MBS	43,183		46,259		(3,076)		(6.6)
Cash and cash equivalents	8,408		8,368		40		0.5
FHLB stock	7,375		8,997		(1,622)		(18.0)
Investment securities	205		3,377		(3,172)		(93.9)
Total interest and dividend income	$	421,922	$	399,519	$	22,403	5.6

The increase in interest income on loans receivable was due primarily to commercial loan growth, as cash flows from the one- to four-family loan portfolio continued to be redirected into the higher yielding commercial loan portfolio. The decrease in FHLB stock dividend income was due primarily to a reduction in the balance of FHLB stock resulting from paying off maturing FHLB borrowings between periods and repayments on amortizing FHLB borrowings, which reduced the Bank's required FHLB stock holdings. The decrease in interest income on investment securities was due primarily to a lower average balance, caused mainly by repayments and securities that were called or matured between periods and were not replaced in their entirety.

Interest Expense

The following table presents the components of interest expense for the periods presented, along with the change measured in dollars and percent.


	For the Year Ended
	September 30,				Change Expressed in:
	2026		2025		Dollars		Percent
	(Dollars in thousands)
INTEREST EXPENSE:
Deposits	$	146,241	$	146,262	$	(21)	—	%
Borrowings	63,786		72,946		(9,160)		(12.6)
Total interest expense	$	210,027	$	219,208	$	(9,181)	(4.2)

Interest expense on deposits was relatively unchanged compared to the prior year as a decrease in the average cost of CDs, caused by existing higher rate retail CDs renewing at lower rates, was offset by an increase in the average balance of high yield savings accounts. The decrease in interest expense on borrowings was due primarily to a decrease in the average balance of borrowings resulting from FHLB borrowings that matured between periods and were not renewed, the restructuring of certain borrowings during the year, and continued repayments on amortizing FHLB advances. Cash flows from the increase in the deposit portfolio and excess operating cash were used to pay off maturing FHLB borrowings and repay amortizing FHLB advances.

Provision for Credit Losses

The Company recorded a provision for credit losses of $3.0 million during the current year compared to a provision for credit losses of $745 thousand for the prior year. The provision for credit losses in the current year was due primarily to establishing a $4.0 million specific valuation allowance related to a nonaccrual commercial lending relationship, along with commercial loan and commitment growth, partially offset by improvement between periods in some of the commercial-related forecasted economic indices and an update to the ACL model's regression analyses.

Non-Interest Income

The following table presents the components of non-interest income for the periods presented, along with the change measured in dollars and percent.


	For the Year Ended
	September 30,				Change Expressed in:
	2026		2025		Dollars		Percent
	(Dollars in thousands)
NON-INTEREST INCOME:
Deposit service fees	$	11,476	$	11,043	$	433	3.9	%
Income from BOLI	5,498		3,067		2,431		79.3
Insurance commissions	2,888		3,605		(717)		(19.9)


Other non-interest income	3,778		3,010		768		25.5
Total non-interest income	$	23,640	$	20,725	$	2,915	14.1

Income from BOLI was higher in the current year due primarily to $45.0 million in new BOLI policies being purchased during the current year, along with an increase in the crediting rate as a result of updates to certain policies that were executed in the second half of the prior year. Insurance commissions were lower compared to the prior year due primarily to contingent commissions received versus accrued in the current year compared to the prior year. Other non-interest income was higher in the current year due mainly to increased commercial loan fee activity and growth in the trust and brokerage business.

Non-Interest Expense

The following table presents the components of non-interest expense for the periods presented, along with the change measured in dollars and percent.


	For the Year Ended
	September 30,				Change Expressed in:
	2026		2025		Dollars		Percent
	(Dollars in thousands)
NON-INTEREST EXPENSE:
Salaries and employee benefits	$	65,481	$	60,383	$	5,098	8.4	%
Information technology and related expense	21,067		19,690		1,377		7.0
Occupancy, net	13,420		13,397		23		0.2
Professional and other services	6,575		5,433		1,142		21.0
Advertising and promotional	4,534		4,950		(416)		(8.4)
Federal insurance premium	4,420		4,319		101		2.3
Deposit and loan transaction costs	2,831		2,843		(12)		(0.4)
Office supplies and related expense	1,874		1,696		178		10.5


Other non-interest expense	4,626		4,559		67		1.5
Total non-interest expense	$	124,828	$	117,270	$	7,558	6.4

The increase in salaries and employee benefits was mainly attributable to an increase in full-time equivalent employees between periods, merit increases and salary adjustments to remain market competitive, as well as increased incentive compensation. The increase in information technology and related expense was due primarily to an increase in software licensing expense as a result of new agreements and applications that were implemented, along with annual increases in costs of existing agreements, partially offset by a vendor credit applied in the current year. The increase in professional and other services was due primarily to new relationships with outside service providers and additional services provided by current providers.

The Company's efficiency ratio was 53.00% for the current year compared to 58.33% for the prior year. The improvement in the efficiency ratio was due primarily to higher net interest income compared to the prior year, partially offset by higher non-interest expense. The Company's operating expense ratio for the current year was 1.28% compared to 1.22% for the prior year. The operating expense ratio was higher in the current year due mainly to higher non-interest expense, partially offset by higher average asset balances compared to the prior year.

Income Tax Expense

The following table presents pretax income, income tax expense, and net income for the periods presented, along with the change measured in dollars and percent and the effective tax rate.


	For the Year Ended
	September 30,						Change Expressed in:
	2026			2025			Dollars		Percent
	(Dollars in thousands)
Income before income tax expense	$	107,662		$	83,021		$	24,641	29.7	%
Income tax expense	21,264			14,996			6,268		41.8
Net income	$	86,398		$	68,025		$	18,373	27.0

Effective tax rate	19.8		%	18.1		%

Income tax expense was higher in the current year due primarily to higher pretax income. The effective tax rate was higher in the current year due primarily to a reduction of the effective tax rate in Kansas for the prior year that was not repeated in the current year. Additionally, the Bank continued to benefit from low-income housing tax credits, which reduced the tax rate.

Fiscal Year 2027 Outlook

The near-term outlook for commercial loan balances is an increase of approximately a 17%, with overall total loans receivable, net, anticipated to increase by approximately 2.5% for fiscal year 2027. Deposits are anticipated to grow 6.2% during fiscal year 2027, helping to support our loan growth and liquidity levels. The effective tax rate for fiscal year 2027 is anticipated to range between 20.0% and 21.0%. As the Company realizes the benefits of executing on its initiatives, it is likely the Company will exceed $10 billion in total assets in the coming fiscal years.

Salary and employee benefit expense is anticipated to increase approximately 4.8% in fiscal year 2027 from the fiscal year 2026 level due to the expected hiring of additional professionals, merit increases, continued staff compensation alignment with market compensation levels, and the impact of the first full year of compensation for recently hired staff. Occupancy expense is anticipated to increase 7.4% in fiscal year 2027 from fiscal year 2026, primarily due to improvement projects on several large facilities expected to be completed during the current fiscal year 2027. Information technology expense is anticipated to increase during fiscal year 2027 approximately 22.4% from fiscal year 2026 due to recognizing full year amortization of software licenses and annual cost escalation, hardware implemented or placed into service in fiscal years 2026 and 2027 on which we did not record depreciation in fiscal year 2026, project implementation delays to fiscal year 2027, along with several new initiatives including a customer relationship management system. Overall, non-interest expense is projected to increase 7% in fiscal year 2027 from fiscal year 2026.

Management anticipates the Board of Governors of the Federal Reserve System will continue to increase rates during our 2027 fiscal year, which will put pressure on deposit costs. Management also anticipates that rising rates will result in an increase in loan yields as new loans are booked, existing loans reprice to higher rates, and commercial loans replace 1-4 family residential loans in the portfolio.

Financial Condition as of September 30, 2026

The following table summarizes the Company's financial condition at the dates indicated.


							Annualized					Annualized
	September 30,			June 30,			Percent		September 30,			Percent
	2026			2026			Change		2025			Change
	(Dollars and shares in thousands)
Total assets	$	9,674,800		$	9,662,184		0.5	%	$	9,778,701		(1.1)	%
Available-for-sale ("AFS") securities	734,814			783,559			(24.9)		867,216			(15.3)
Loans receivable, net	8,198,826			8,166,762			1.6		8,111,961			1.1
Deposits	6,859,169			6,850,705			0.5		6,591,448			4.1
Borrowings	1,615,443			1,636,246			(5.1)		1,950,770			(17.2)
Stockholders' equity	1,006,124			1,021,320			(6.0)		1,047,677			(4.0)
Equity to total assets at end of period	10.4		%	10.6		%			10.7		%
Tangible book value per share	$	8.02		$	8.04		(1.0)		$	7.85		2.2
Average number of basic and diluted shares outstanding	122,729			124,009			(4.1)		129,874			(5.5)

Comparison to June 30, 2026

The loan portfolio increased $32.1 million during the current quarter due to commercial loan growth of $111.8 million, or an 18% annualized increase, mainly in the commercial real estate portfolio, partially offset by a decrease of $79.4 million in the one- to four-family loan portfolio. It is expected that a significant portion of repayments from our one- to four-family loan portfolio will continue to be directed toward supporting commercial loan growth. Maintaining strong credit quality remains a top priority as we expand our commercial loan portfolio. The weighted average debt service coverage ratio ("DSCR") for commercial loan originations and participations during the current quarter was 2.43x and the weighted average loan-to-value ("LTV") for commercial real estate and construction loan originations and participations was 62%. The weighted average DSCR and LTV for our commercial real estate and construction loan portfolios was 1.78x and 63%, respectively, at September 30, 2026.

Deposits increased $8.5 million during the current quarter, as an increase in high yield savings accounts was partially offset by decreases in retail money market accounts, commercial checking accounts, and CDs. Borrowings decreased $20.8 million from June 30, 2026, due to principal repayments made on the Bank's amortizing FHLB advances. Management estimates that the Bank had $4.40 billion in liquidity available at September 30, 2026, based on the Bank's blanket collateral agreement with FHLB, available brokered and public unit deposit capacity, unencumbered securities, and cash and cash equivalent balances. The balance of AFS securities decreased $48.7 million due to principal repayments and the change in market value to an unrealized loss as a result of an increase in market interest rates. Stockholders' equity decreased $15.2 million during the current quarter, due primarily to share repurchases, a decrease in accumulated other comprehensive income ("AOCI") associated with AFS securities, and dividend payments.

Comparison to September 30, 2025

The loan portfolio increased $86.9 million from September 30, 2025, which was attributable to a $468.8 million increase in commercial loans, offset by a $381.8 million decrease in one- to four-family loans, as the Bank continued to redirect cash flows from the one- to four-family loan portfolio to the commercial loan portfolio. The growth in the commercial loan portfolio was primarily in commercial real estate loans. The weighted average DSCR for commercial loan originations/participations during the year ended September 30, 2026 was 2.30x and the weighted average LTV for commercial real estate and construction loan originations/participations was 67%.

Deposits increased $267.7 million from September 30, 2025 due mainly to an increase in high yield savings accounts, retail checking, and commercial checking, partially offset by a decrease in CDs. Management remains focused on growing commercial relationships and deposits. During the year ended September 30, 2026, commercial non-interest-bearing deposits increased $32.3 million, or 16.9%. Borrowings decreased $335.3 million during the current year due primarily to the maturity of $250.0 million of borrowings that were not replaced, along with principal repayments made on the Bank's amortizing FHLB advances.

The following table summarizes loan originations and participations, deposit activity, and borrowing activity, along with certain related weighted average rates, during the periods indicated. The new borrowings during the current period relate to advances that matured and were renewed during the current quarter. New borrowings in the prior quarter periods represent maturing advances that were prepaid and renewed to lower rates. All new borrowings are also reflected in the maturities and repayments line.


	For the Three Months Ended				For the Year Ended
	September 30, 2026					September 30, 2026
	Amount		Rate				Amount		Rate
	(Dollars in thousands)
Loan activity
Originations and participations
One- to four-family and consumer
Originated	$	135,698	6.45	%			$	428,397	6.31	%
Purchased	—		—				—		—

Commercial
Originated	377,603		6.21				994,626		6.33
Participations	13,079		6.11				117,100		6.35
	$	526,380	6.27				$	1,540,123	6.33

Repayments
One- to four-family and consumer	(208,462)						(794,845)
Commercial	(122,933)						(459,423)
	$	(331,395)					$	(1,254,268)

Deposit activity
Retail non-maturity deposits	$	31,243					$	379,686
Commercial non-maturity deposits	(9,158)						24,844
Retail/Commercial certificates of deposit	(5,963)						(74,354)

Borrowing activity
Maturities and repayments	(196,169)		3.77				(934,673)		3.39
New borrowings	175,000		3.93				600,000		3.83

Stockholders' Equity

Stockholders' equity totaled $1.01 billion at September 30, 2026. Consistent with our goal to operate a sound and profitable financial organization that delivers long-term stockholder value, we actively seek to maintain a well-capitalized status for the Bank in accordance with regulatory standards. As of September 30, 2026, all of the Bank's capital ratios exceeded the well-capitalized requirements, and the Bank exceeded internal policy thresholds for sensitivity to changes in interest rates. As of September 30, 2026, the Bank's CBLR was 9.5%. Excluding the impact of federal tax credits, the Bank's CBLR would have been 9.8% as of September 30, 2026.

During the year ended September 30, 2026, the Company repurchased 8,054,222 shares of common stock at an average price of $7.53 per share, or $60.6 million in total. From October 1, 2026 through October 23, 2026, the Company repurchased an additional 827,920 shares of common stock at an average price of $8.45 per share, or $7.0 million in total. The Company intends to continue to repurchase stock from time to time depending upon market conditions, available liquidity, and other factors. Although our existing repurchase plans have no expiration date, we are required to annually seek the Federal Reserve Bank of Kansas City's ("FRB'") non-objection for the remaining buyback amount. The Company has received non-objection from the FRB for an additional $75.0 million of stock repurchase authority to begin at the completion of the current plan (which had $10.5 million remaining authorized as of September 30, 2026).

During the year ended September 30, 2026, the Company paid cash dividends totaling $48.0 million, or $0.380 per share, which consisted of a $0.040 per share special cash dividend paid in January 2026 and four regular quarterly cash dividends of $0.085 per share, totaling $0.340 per share for the quarterly cash dividends. On October 27, 2026, the Company announced a regular quarterly cash dividend of $0.085 per share, or approximately $10.3 million, payable on November 20, 2026 to stockholders of record as of the close of business on November 6, 2026. The special cash dividend paid in January 2026, in addition to the Company's history of

regular quarterly dividends and opportunistic share repurchases, demonstrates the Company's multi-channel focus on delivering stockholder value through disciplined capital allocation that balances investments in the future of the Company with incremental opportunities to return capital to stockholders. Dividend payments depend upon a number of factors, including the Company's financial condition and results of operations, regulatory capital compliance, regulatory limitations on the Bank's ability to make capital distributions to the Company, the Bank's current tax earnings and accumulated earnings and profits, and the amount of cash at the holding company level.

The Board of Directors continues to evaluate various alternatives for capital allocation to enhance stockholder value, including the repurchase of stock, the payment of additional cash dividends, or retaining earnings to support future growth. Since converting to a fully public company in December 2010 through September 30, 2026, we have returned $2.11 billion in capital to stockholders through dividends totaling $1.61 billion and stock repurchases totaling $500.6 million. This is supported by our holistic approach to managing the balance sheet through continuous modeling of the Bank's performance, risk management, our commitment to credit quality and periodic stress testing.

At September 30, 2026, at the holding company level, the Company had $22.1 million in cash on deposit at the Bank. During the year ended September 30, 2026, the Bank distributed $112.0 million from the Bank to the Company. Earnings distributions from the Bank to the Company will be limited to the extent necessary to prevent the Bank from re-entering a negative accumulated earnings and profit position and having to pay the pre-1988 bad debt recapture tax on earnings moved from the Bank to the Company.

The following table presents a reconciliation of total to net shares outstanding as of September 30, 2026. As of October 23, 2026, total shares outstanding were 123,413,063.


Total shares outstanding			124,240,983
Less unallocated Employee Stock Ownership Plan ("ESOP") shares and unvested restricted stock			(2,511,458)
Net shares outstanding			121,729,525

Capitol Federal Financial, Inc. is the holding company for the Bank. News and other information about the Company can be found at the Bank's website, http://www.capfed.com.

Forward-Looking Statements

Except for the historical information contained in this press release, the matters discussed herein may be deemed to be "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements include statements about our beliefs, plans, objectives, goals, expectations, anticipations, estimates and intentions. The words "may," "could," "should," "would," "will," "believe," "anticipate," "estimate," "expect," "intend," "plan," and similar expressions are intended to identify forward-looking statements. Forward-looking statements involve risks and uncertainties, including: changes in policies or the application or interpretation of laws and regulations by regulatory agencies and tax authorities; other governmental initiatives affecting the financial services industry; changes in accounting principles, policies or guidelines; fluctuations in interest rates and the effects of inflation or a potential recession, whether caused by Federal Reserve action or otherwise; changes to existing trade policies that could affect economic activity or specific industry sectors; the impact of bank failures or adverse developments at other banks and related negative press about the banking industry in general on investor or depositor sentiment; demand for loans in the Company's market areas; the future earnings and capital levels of the Bank and the impact of potential pre-1988 bad debt recapture, which could affect the ability of the Company to pay dividends in accordance with its dividend policies; competition; and other risks detailed from time to time in documents filed or furnished by the Company with the Securities and Exchange Commission. Actual results may differ materially from those currently expected. These forward-looking statements represent the Company's judgment as of the date of this release. The Company disclaims, however, any intent or obligation to update these forward-looking statements.

For further information contact:


Kent Townsend						Investor Relations
Executive Vice President,						(785) 270-6055
Chief Financial Officer and Treasurer						investorrelations@capfed.com
(785) 231-6360
ktownsend@capfed.com

SUPPLEMENTAL FINANCIAL INFORMATION



CAPITOL FEDERAL FINANCIAL, INC. AND SUBSIDIARY
CONSOLIDATED BALANCE SHEETS (Unaudited)
(Dollars in thousands, except per share amounts)






	September 30,		June 30,		September 30,
	2026		2026		2025
ASSETS:
Cash and cash equivalents (includes interest-earning deposits of $132,174, $118,155 and $229,566)	$	150,292	$	136,098	$	252,443

AFS securities, at estimated fair value (amortized cost of $743,636, $774,757 and $847,369)	734,814		783,559		867,216

Loans receivable, net (ACL of $25,999, $26,103 and $24,039)	8,198,826		8,166,762		8,111,961
FHLB stock, at cost	75,113		76,115		90,662
Premises and equipment, net	88,648		88,461		89,314
Income taxes receivable, net	—		747		220
Deferred federal income tax assets, net	26,222		22,711		23,826
Other assets	400,885		387,731		343,059
TOTAL ASSETS	$	9,674,800	$	9,662,184	$	9,778,701

LIABILITIES:
Deposits	$	6,859,169	$	6,850,705	$	6,591,448
Borrowings	1,615,443		1,636,246		1,950,770
Advances by borrowers	67,150		40,594		65,416
Income taxes payable, net	680		—		—
Deferred state income tax liabilities, net	2,897		3,146		2,056
Other liabilities	123,337		110,173		121,334
Total liabilities	8,668,676		8,640,864		8,731,024

STOCKHOLDERS' EQUITY:
Preferred stock, $0.01 par value; 100,000,000 shares authorized, no shares issued or outstanding	—		—		—
Common stock, $0.01 par value; 1,400,000,000 shares authorized, 124,240,983, 125,857,559 and 132,204,305 shares issued and outstanding as of September 30, 2026, June 30, 2026, and September 30, 2025, respectively	1,242		1,259		1,322
Additional paid-in capital	1,081,540		1,096,321		1,142,711
Unearned compensation, ESOP	(23,128)		(23,541)		(24,780)
Accumulated deficit	(48,893)		(60,798)		(87,331)
AOCI, net of tax	(4,637)		8,079		15,755
Total stockholders' equity	1,006,124		1,021,320		1,047,677
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$	9,674,800	$	9,662,184	$	9,778,701



CAPITOL FEDERAL FINANCIAL, INC. AND SUBSIDIARY
CONSOLIDATED STATEMENTS OF INCOME (Unaudited)
(Dollars in thousands)







	For the Three Months Ended				For the Year Ended
	September 30,		June 30,			September 30,
	2026		2026			2026		2025
INTEREST AND DIVIDEND INCOME:
Loans receivable	$	93,070	$	90,566		$	362,751	$	332,518
MBS	10,242		10,747			43,183		46,259
Cash and cash equivalents	1,173		1,988			8,408		8,368
FHLB stock	1,718		1,767			7,375		8,997
Investment securities	51		51			205		3,377
Total interest and dividend income	106,254		105,119			421,922		399,519

INTEREST EXPENSE:
Deposits	36,167		36,275			146,241		146,262
Borrowings	15,258		15,361			63,786		72,946
Total interest expense	51,425		51,636			210,027		219,208

NET INTEREST INCOME	54,829		53,483			211,895		180,311

PROVISION FOR CREDIT LOSSES	—		(433)			3,045		745
NET INTEREST INCOME AFTER
PROVISION FOR CREDIT LOSSES	54,829		53,916			208,850		179,566

NON-INTEREST INCOME:
Deposit service fees	2,927		2,987			11,476		11,043
Income from BOLI	1,526		1,856			5,498		3,067
Insurance commissions	749		838			2,888		3,605


Other non-interest income	832		987			3,778		3,010
Total non-interest income	6,034		6,668			23,640		20,725

NON-INTEREST EXPENSE:
Salaries and employee benefits	17,048		16,858			65,481		60,383
Information technology and related expense	5,721		4,787			21,067		19,690
Occupancy, net	3,333		3,372			13,420		13,397
Professional and other services	1,706		1,501			6,575		5,433
Advertising and promotional	1,468		1,365			4,534		4,950
Federal insurance premium	1,096		1,103			4,420		4,319
Deposit and loan transaction costs	716		631			2,831		2,843
Office supplies and related expense	440		442			1,874		1,696


Other non-interest expense	1,208		1,283			4,626		4,559
Total non-interest expense	32,736		31,342			124,828		117,270
INCOME BEFORE INCOME TAX EXPENSE	28,127		29,242			107,662		83,021
INCOME TAX EXPENSE	5,751		5,672			21,264		14,996
NET INCOME	$	22,376	$	23,570		$	86,398	$	68,025

Average Balance Sheets. The following tables present the average balances of our assets, liabilities, and stockholders' equity, and the related annualized weighted average yields and rates on our interest-earning assets and interest-bearing liabilities for the periods indicated, as well as selected performance ratios and other information for the periods shown. Weighted average yields are derived by dividing income (annualized for the three-month periods) by the average balance of the related assets, and weighted average rates are derived by dividing expense (annualized for the three-month periods) by the average balance of the related liabilities, for the periods shown. Average outstanding balances are derived from average daily balances. All amounts are presented on a fully taxable basis for the periods presented. The weighted average yields and rates include amortization of fees, costs, premiums and discounts, which are considered adjustments to yields/rates.


	For the Three Months Ended
	September 30, 2026						June 30, 2026
	Average		Interest				Average		Interest
	Outstanding		Earned/		Yield/		Outstanding		Earned/		Yield/
	Amount		Paid		Rate		Amount		Paid		Rate
	(Dollars in thousands)
Assets:
Interest-earning assets:
One- to four-family loans:
Originated	$	3,620,510	$	36,374	4.02	%	$	3,657,542	$	36,163	3.95	%
Purchased	1,943,430		16,102		3.31		2,004,445		16,438		3.28
Total one- to four-family loans	5,563,940		52,476		3.77		5,661,987		52,601		3.72
Commercial loans:
Commercial real estate	2,056,253		30,074		5.72		1,935,982		28,038		5.73
Commercial and industrial	285,670		4,984		6.83		259,110		4,523		6.91
Commercial construction	188,519		3,353		6.96		191,277		3,275		6.77
Total commercial loans	2,530,442		38,411		5.94		2,386,369		35,836		5.94
Consumer loans	117,916		2,183		7.35		116,176		2,129		7.35
Total loans receivable(1)	8,212,298		93,070		4.49		8,164,532		90,566		4.42
MBS(2)	756,985		10,242		5.41		788,182		10,747		5.45
Investment securities(2)	4,000		51		5.13		4,000		51		5.13
FHLB stock	74,404		1,718		9.16		77,904		1,767		9.10
Cash and cash equivalents	123,963		1,173		3.70		215,292		1,988		3.65
Total interest-earning assets	9,171,650		106,254		4.60		9,249,910		105,119		4.53
Other non-interest-earning assets	504,854						499,604
Total assets	$	9,676,504					$	9,749,514

Liabilities and stockholders' equity:
Interest-bearing liabilities:
Checking	$	894,303	533		0.24		$	921,875	557		0.24
High yield savings	767,573		7,006		3.62		674,677		6,082		3.62
Other savings	426,812		77		0.07		435,168		78		0.07
Money market	1,214,958		3,527		1.15		1,222,445		3,471		1.14
Retail certificates	2,734,472		23,881		3.46		2,814,027		24,786		3.53
Commercial certificates	64,035		545		3.38		67,447		588		3.49
Wholesale certificates	60,753		598		3.90		72,425		713		3.95
Total deposits	6,162,906		36,167		2.33		6,208,064		36,275		2.34
Borrowings	1,623,245		15,258		3.72		1,677,426		15,361		3.67
Total interest-bearing liabilities	7,786,151		51,425		2.62		7,885,490		51,636		2.63
Non-interest-bearing deposits	671,786						672,513
Other non-interest-bearing liabilities	196,573						168,254
Stockholders' equity	1,021,994						1,023,257
Total liabilities and stockholders' equity	$	9,676,504					$	9,749,514

Net interest income(3)			$	54,829					$	53,483
Net interest-earning assets	$	1,385,499					$	1,364,420
Net interest margin(4)					2.39						2.31
Ratio of interest-earning assets to interest-bearing liabilities					1.18x						1.17x

Selected performance ratios:
Return on average assets (annualized)(5)					0.92	%					0.97	%
Return on average equity (annualized)(6)					8.76						9.21
Average equity to average assets					10.56						10.50
Operating expense ratio (annualized)(7)					1.35						1.29
Efficiency ratio(8)					53.79						52.10


	For the Year Ended September 30,
	2026						2025

	Average		Interest				Average		Interest
	Outstanding		Earned/		Yield/		Outstanding		Earned/		Yield/
	Amount		Paid		Rate		Amount		Paid		Rate
	(Dollars in thousands)
Assets:
Interest-earning assets:
One- to four-family loans:
Originated	$	3,680,786	$	145,256	3.95	%	$	3,859,371	$	145,552	3.77	%
Purchased	2,030,417		67,064		3.30		2,256,624		73,932		3.28
Total one- to four-family loans	5,711,203		212,320		3.72		6,115,995		219,484		3.59
Commercial loans:
Commercial real estate	1,916,365		111,718		5.75		1,452,288		82,426		5.60
Commercial and industrial	246,204		17,165		6.88		151,126		10,396		6.78
Commercial construction	188,600		12,946		6.77		176,620		11,333		6.33
Total commercial loans	2,351,169		141,829		5.95		1,780,034		104,155		5.77
Consumer loans	115,920		8,602		7.42		111,402		8,879		7.97
Total loans receivable(1)	8,178,292		362,751		4.41		8,007,431		332,518		4.13
MBS(2)	790,355		43,183		5.46		834,345		46,259		5.54
Investment securities(2)	4,000		205		5.13		63,650		3,377		5.31
FHLB stock	80,844		7,375		9.12		97,054		8,997		9.27
Cash and cash equivalents	220,853		8,408		3.75		185,052		8,368		4.46
Total interest-earning assets	9,274,344		421,922		4.53		9,187,532		399,519		4.33
Other non-interest-earning assets	489,768						460,405
Total assets	$	9,764,112					$	9,647,937

Liabilities and stockholders' equity:
Interest-bearing liabilities:
Checking	$	900,722	2,135		0.24		$	874,377	2,010		0.23
High yield savings	634,352		23,320		3.68		283,605		11,492		4.05
Other savings	428,367		312		0.07		437,766		335		0.08
Money market	1,227,733		14,502		1.18		1,237,612		15,643		1.26
Retail certificates	2,803,484		100,221		3.57		2,782,181		110,813		3.98
Commercial certificates	64,370		2,245		3.49		58,675		2,318		3.95
Wholesale certificates	88,284		3,506		3.97		86,457		3,651		4.22
Total deposits	6,147,312		146,241		2.38		5,760,673		146,262		2.54
Borrowings	1,748,707		63,786		3.64		2,108,626		72,946		3.46
Total interest-bearing liabilities	7,896,019		210,027		2.66		7,869,299		219,208		2.78
Non-interest-bearing deposits	650,224						562,084
Other non-interest-bearing liabilities	183,321						177,178
Stockholders' equity	1,034,548						1,039,376
Total liabilities and stockholders' equity	$	9,764,112					$	9,647,937


Net interest income(3)			$	211,895					$	180,311
Net interest-earning assets	$	1,378,325					$	1,318,233
Net interest margin(4)					2.28						1.96
Ratio of interest-earning assets to interest-bearing liabilities					1.17x						1.17x

Selected performance ratios:
Return on average assets(5)					0.88	%					0.71	%
Return on average equity(6)					8.35						6.54
Average equity to average assets					10.60						10.77
Operating expense ratio(7)					1.28						1.22
Efficiency ratio(8)					53.00						58.33

(1)Balances are adjusted for unearned loan fees and deferred costs. Nonaccrual loans are included in the loans receivable average balance with a yield of zero percent.

(2)AFS security yields are based upon amortized cost which is adjusted for premiums and discounts.

(3)Net interest income represents the difference between interest income earned on interest-earning assets and interest paid on interest-bearing liabilities. Net interest income depends on the average balance of interest-earning assets and interest-bearing liabilities, and the interest rates earned or paid on them.

(4)Net interest margin represents net interest income (annualized for the three-month periods) as a percentage of average interest-earning assets. Management believes that the net interest margin is important to investors as it is a profitability measure for financial institutions.

(5)Return on average assets represents net income (annualized for the three-month periods) as a percentage of total average assets. Management believes that the return on average assets is important to investors as it shows the Company's profitability in relation to the Company's average assets.

(6)Return on average equity represents net income (annualized for the three-month periods) as a percentage of total average equity. Management believes that the return on average equity is important to investors as it shows the Company's profitability in relation to the Company's average equity.

(7)The operating expense ratio represents non-interest expense (annualized for the three-month periods) as a percentage of average assets. Management believes the operating expense ratio is important to investors as it provides insight into how efficiently the Company is managing its expenses in relation to its assets. It is a financial measurement ratio that does not take into consideration changes in interest rates.

(8)The efficiency ratio represents non-interest expense as a percentage of the sum of net interest income (pre-provision for credit losses) and non-interest income. Management believes the efficiency ratio is important to investors as it is a measure of a financial institution's cost to generate income. A lower value generally indicates that it is costing the financial institution less money to generate revenue, related to its net interest margin and non-interest income.

Loan Portfolio

The following table presents information related to the composition of our loan portfolio in terms of dollar amounts, weighted average rates, and percentage of total as of the dates indicated.


	September 30, 2026						June 30, 2026						September 30, 2025
					% of						% of						% of
	Amount		Rate		Total		Amount		Rate		Total		Amount		Rate		Total
	(Dollars in thousands)
One- to four-family:
Originated	$	3,613,266	3.96	%	43.9	%	$	3,642,458	3.90	%	44.5	%	$	3,774,134	3.78	%	46.4	%


Purchased	1,896,133		3.52		23.0		1,949,224		3.51		23.8		2,114,447		3.49		26.0
Construction	13,419		6.06		0.2		10,574		6.06		0.1		16,054		6.17		0.2
Total	5,522,818		3.81		67.1		5,602,256		3.77		68.4		5,904,635		3.68		72.6
Commercial:
Commercial real estate	2,066,545		5.90		25.1		2,005,641		5.82		24.5		1,709,990		5.82		21.0
Commercial and industrial	323,634		6.68		3.9		273,854		6.69		3.3		210,119		6.92		2.6
Commercial construction	194,607		6.71		2.4		193,480		6.59		2.4		195,886		6.42		2.4
Total	2,584,786		6.06		31.4		2,472,975		5.98		30.2		2,115,995		5.98		26.0
Consumer loans:
Home equity	111,475		7.55		1.4		110,372		7.57		1.3		104,809		8.15		1.3
Other	7,526		5.49		0.1		7,136		5.56		0.1		8,436		5.55		0.1
Total	119,001		7.42		1.5		117,508		7.45		1.4		113,245		7.96		1.4
Total loans receivable	8,226,605		4.57		100.0	%	8,192,739		4.49		100.0	%	8,133,875		4.34		100.0	%

Less:
ACL	25,999						26,103						24,039
Deferred loan fees/discounts	31,642						30,508						31,268
Premiums/deferred costs	(29,862)						(30,634)						(33,393)
Total loans receivable, net	$	8,198,826					$	8,166,762					$	8,111,961

Loan Activity: The following table summarizes activity in the loan portfolio, along with weighted average rates where applicable, for the periods indicated, excluding changes in ACL, deferred loan fees/discounts, and premiums/deferred costs. Loans that were paid off as a result of refinances are included in repayments. Commercial loan renewals are not included in the activity presented in the following table unless new funds are disbursed at the time of renewal. The renewal balance and rate are included in the ending loan portfolio balance and rate.


	For the Three Months Ended								For the Year Ended
	September 30, 2026				June 30, 2026				September 30, 2026				September 30, 2025
	Amount		Rate		Amount		Rate		Amount		Rate		Amount		Rate
	(Dollars in thousands)
Beginning balance	$	8,192,739	4.49	%	$	8,139,296	4.42	%	$	8,133,875	4.34	%	$	7,923,251	4.02	%
Originated and refinanced	513,302		6.28		333,566		6.30		1,423,023		6.33		1,149,469		6.80
Participations	13,079		6.11		20,501		6.41		117,100		6.35		104,431		7.10
Change in undisbursed loan funds	(160,928)				(5,460)				(192,429)				(14,556)
Repayments	(331,395)				(295,016)				(1,254,268)				(1,026,401)
Principal (charge-offs)/recoveries, net	48				(148)				(256)				(198)
Other	(240)				—				(440)				(2,121)
Ending balance	$	8,226,605	4.57		$	8,192,739	4.49		$	8,226,605	4.57		$	8,133,875	4.34

One- to Four-Family Loans: The following table presents, for our portfolio of one- to four-family loans, the amount, percent of total, weighted average rate, weighted average credit score, weighted average LTV, and average balance per loan as of September 30, 2026. Credit scores were updated in September 2026 from a nationally recognized consumer rating agency. The LTVs were based on the current loan balance and either the lesser of the purchase price or original appraisal, or the most recent Bank appraisal, if available. In most cases, the most recent appraisal was obtained at the time of origination.



			% of				Credit			Average
	Amount		Total		Rate		Score	LTV		Balance
	(Dollars in thousands)
Originated	$	3,613,266	65.4	%	3.96	%	770	57	%	$	173
Purchased	1,896,133		34.3		3.52		767	59		370
Construction	13,419		0.3		6.06		774	31		268
	5,522,818		100.0	%	3.81		769	57		212

The following table presents origination and refinance activity for our one- to four-family loan portfolio, excluding endorsement activity, along with the weighted average rate, weighted average LTV and weighted average credit score for the periods indicated. As of September 30, 2026, the Bank had one- to four-family loan and refinance commitments totaling $37.5 million at a weighted average rate of 6.41%.


For the Three Months Ended							For the Year Ended
September 30, 2026							September 30, 2026
						Credit							Credit
Amount		Rate		LTV		Score	Amount		Rate		LTV		Score
(Dollars in thousands)
$	108,199	6.30	%	73	%	766	$	350,996	6.05	%	74	%	768

Commercial Loans: The tables below summarize commercial loan origination and participation activity for the periods presented, along with weighted average LTV and weighted average DSCR. For commercial real estate and commercial construction loans, the LTV is calculated using the gross loan amount (comprised of unpaid principal and undisbursed amounts) and the collateral value at the time of origination. For existing real estate, the "as is" value is used. If the property is to be constructed, the "as completed" value of the collateral is utilized. The DSCR is calculated based on historical borrower performance, or projected borrower performance for newly formed entities with no performance history.


	For the Three Months Ended September 30, 2026
	Originated				Participation				Total				Weighted		Weighted
	Amount		Rate		Amount		Rate		Amount		Rate		LTV		DSCR
	(Dollars in thousands)
Commercial real estate	$	87,822	5.94	%	$	13,079	6.11	%	$	100,901	5.96	%	65	%	1.7x
Commercial and industrial	88,358		6.38		—		—		88,358		6.38		N/A		5.70
Commercial construction	201,423		6.26		—		—		201,423		6.26		61		1.37
	$	377,603	6.21		$	13,079	6.11		$	390,682	6.21		62		2.43

	For the Year Ended September 30, 2026
	Originated				Participation				Total				Weighted		Weighted
	Amount		Rate		Amount		Rate		Amount		Rate		LTV		DSCR
	(Dollars in thousands)
Commercial real estate	$	444,707	6.18	%	$	45,589	6.21	%	$	490,296	6.18	%	68	%	2.17x
Commercial and industrial	201,466		6.51		—		—		201,466		6.51		N/A		4.64
Commercial construction	348,453		6.42		71,511		6.44		419,964		6.43		66		1.33
	$	994,626	6.33		$	117,100	6.35		$	1,111,726	6.33		67		2.30

The following table presents commercial loan disbursements, excluding lines of credit, during the periods indicated.


	For the Three Months Ended								For the Year Ended
	September 30, 2026				June 30, 2026				September 30, 2026				September 30, 2025
	Amount		Rate		Amount		Rate		Amount		Rate		Amount		Rate
	(Dollars in thousands)
Commercial real estate	$	90,428	5.93	%	$	119,251	6.09	%	$	482,151	6.19	%	$	533,719	6.64	%
Commercial and industrial	45,127		6.75		62,919		6.64		181,338		6.79		107,841		7.31
Commercial construction	49,524		6.64		46,628		6.59		204,230		6.65		211,824		6.68
	$	185,079	6.32		$	228,798	6.34		$	867,719	6.43		$	853,384	6.73

The following table presents the Bank's commercial real estate and commercial construction loans by type of primary collateral as of the dates indicated. At September 30, 2026, participation loans accounted for $469.0 million, or 20.7%, of the Bank's commercial real estate and commercial construction loans. Management anticipates fully funding the majority of the undisbursed amounts as most are not cancellable by the Bank.


											June 30,
	September 30, 2026										2026
		Unpaid			Undisbursed			Gross Loan			Gross Loan
	Count	Principal			Amount			Amount			Amount
		(Dollars in thousands)
Hotel	36	$	684,913		$	70,824		$	755,737		$	691,911
Senior housing	54	543,158			26,212			569,370			571,406
Multi-family	31	312,364			242,774			555,138			425,381
Retail building	129	275,726			76,649			352,375			355,987
Office building	79	115,825			26,466			142,291			138,078
One- to four-family property	266	116,031			15,929			131,960			130,562
Single use building	28	77,316			12,752			90,068			55,300
Warehouse/manufacturing	51	65,345			454			65,799			67,047
Land	22	45,870			676			46,546			48,188
Other	27	24,604			540			25,144			26,321
	723	$	2,261,152		$	473,276		$	2,734,428		$	2,510,181

Weighted average rate		5.97		%	6.46		%	6.06		%	5.97		%

The following table summarizes the unpaid principal balance of non-owner occupied and owner occupied loans within the Bank's commercial real estate loan portfolio, aggregated by primary collateral, along with weighted LTV and weighted DSCR, as of September 30, 2026.


	Non-owner Occupied						Owner Occupied
		Unpaid		Weighted		Weighted		Unpaid		Weighted		Weighted
	Count	Principal		LTV		DSCR	Count	Principal		LTV		DSCR
	(Dollars in thousands)
Hotel	29	$	634,104	54	%	1.46x	–	$	—	—	%	—x
Senior housing	51	505,527		72		1.79	–	—		—		—
Retail building	44	167,448		62		1.87	69	71,083		56		1.88
Office building	24	71,822		64		1.37	53	37,750		62		8.53
Warehouse/manufacturing	15	22,741		60		3.80	33	33,446		64		1.57

Single use building	9	48,549		69		1.24	17	28,716		63		1.78
Other	6	5,680		64		1.34	8	6,497		49		1.92
	178	$	1,455,871	62		1.65	180	$	177,492	60		3.22

The following table outlines management's funding expectations for the Bank's commercial real estate and commercial construction undisbursed amounts and commitments outstanding as of September 30, 2026. Of the amounts included in the December 31, 2026 projected disbursement amount, $35.8 million was funded through October 23, 2026. Due to the nature of a revolving line of credit, management is unable to project funding expectations for those balances, so those amounts are presented separately.


	Projected Disbursements for the Quarters Ending
	December 31, 2026			March 31, 2027			June 30, 2027			Thereafter			Revolving Lines of Credit			Total
	(Dollars in thousands)
Undisbursed amounts	$	81,401		$	78,623		$	60,345		$	239,056		$	13,851		$	473,276
Commitments	22,075			1,216			15,313			88,432			—			127,036
	$	103,476		$	79,839		$	75,658		$	327,488		$	13,851		$	600,312

Weighted average rate	6.56		%	6.51		%	6.46		%	6.27		%	6.73		%	6.38		%

The following table summarizes the Bank's commercial real estate and commercial construction loans by the state in which the collateral is located, as of the dates indicated.


								June 30,
	September 30, 2026							2026
		Unpaid		Undisbursed		Gross Loan		Gross Loan
	Count	Principal		Amount		Amount		Amount
		(Dollars in thousands)
Kansas	504	$	859,106	$	218,709	$	1,077,815	$	1,006,215
Missouri	121	331,143		83,297		414,440		362,622
Texas	18	199,098		45,772		244,870		250,817
Arizona	7	140,071		14,290		154,361		152,451
California	7	127,544		16,490		144,034		146,139
New York	4	135,709		1,944		137,653		111,724
Other	62	468,481		92,774		561,255		480,213
	723	$	2,261,152	$	473,276	$	2,734,428	$	2,510,181

The following table presents the Bank's commercial real estate and commercial construction loans by unpaid principal balance, aggregated by type of primary collateral and state, along with weighted average LTV and weighted average DSCR as of September 30, 2026. The LTV is calculated using the gross loan amount (composed of unpaid principal and undisbursed amounts) as of September 30, 2026 and the most current collateral value available, which is most often the value at origination/purchase. The DSCR is calculated at the time of origination and is updated at the time of subsequent loan renewals, financial reviews (for applicable loans and lending relationships), and any other time management is aware of changes that may impact the DSCR. The DSCR presented in the table below is based on the DSCR at the time of origination unless an updated DSCR has been calculated or the loan has reached the end of its stabilization period. For construction loans, the DSCR is based on projected stabilized cash flows and the contractual loan payments when the project stabilizes. In general, commercial borrowers with total loans of $2.5 million or more are reviewed at least annually to monitor financial performance.


	Kansas			Missouri			Texas			Arizona			California			New York			Other			Total
	(Dollars in thousands)
Hotel	$	40,621		$	23,204		$	137,912		$	116,063		$	103,935		$	108,167		$	155,011		$	684,913
Senior housing	332,604			139,655			—			—			—			—			70,899			543,158
Multi-family	185,285			67,665			19,886			—			—			—			39,528			312,364
Retail building	91,350			47,903			37,308			22,081			—			—			77,084			275,726
One- to four-family property	65,768			3,713			2,100			1,553			—			—			42,897			116,031
Office building	73,585			9,993			1,892			—			—			3,086			27,269			115,825
Single use building	11,331			17,546			—			374			23,609			24,456			—			77,316
Warehouse/manufacturing	42,094			17,148			—			—			—			—			6,103			65,345
Land	4,756			76			—			—			—			—			41,038			45,870
Other	11,712			4,240			—			—			—			—			8,652			24,604
	$	859,106		$	331,143		$	199,098		$	140,071		$	127,544		$	135,709		$	468,481		$	2,261,152

Weighted LTV	66		%	65		%	58		%	56		%	55		%	51		%	66		%	63		%
Weighted DSCR	2.19x			1.40x			1.27x			1.71x			1.48x			1.71x			1.65x			1.78x

The following table presents the unpaid principal balance of the Bank's commercial real estate and commercial construction loans aggregated by type of primary collateral, along with weighted average rate, LTV, and DSCR as of September 30, 2026.



		Unpaid		Weighted		Weighted		Weighted
	Count	Principal		Rate		LTV		DSCR
	(Dollars in thousands)
Hotel	36	$	684,913	6.18	%	55	%	1.46x
Senior housing	54	543,158		5.36		72		1.76
Multi-family	31	312,364		5.88		62		1.29
Retail building	129	275,726		6.12		61		1.81
One- to four-family property	266	116,031		5.95		65		2.25
Office building	79	115,825		6.62		64		3.69
Single use building	28	77,316		6.40		67		1.45
Warehouse/manufacturing	51	65,345		6.54		64		2.33
Land	22	45,870		6.43		73		3.99
Other	27	24,604		6.48		56		1.84
	723	$	2,261,152	5.97		63		1.78

The following table presents the Bank's commercial construction loans, including unpaid principal and undisbursed amounts, along with outstanding commercial construction loan commitments as of September 30, 2026, aggregated by type of primary collateral, as well as the weighted average rate, LTV, and DSCR. The DSCR presented in the table below is based on projected stabilized cash flows and the contractual loan payments when the project stabilizes. The weighted average DSCR for the office building line is below 1.15x due primarily to one $20.5 million construction loan for a leased medical office building that was originated during the prior quarter. The borrower anticipates selling this project once the property is constructed and rent commences. The Bank has a long-term relationship with the borrower and the borrower has extensive development experience.


		Unpaid			Undisbursed			Gross Loan			Commitment			Total			Weighted
	Count	Principal			Amount			Amount			Amount			Amount			Rate		LTV	DSCR
		(Dollars in thousands)
Multi-family	12	$	62,088		$	242,648		$	304,736		$	97,562		$	402,298		6.46	%	59%	1.22x
Hotel	7	50,808			63,626			114,434			—			114,434			6.86		68	1.47
Retail building	13	36,297			54,329			90,626			—			90,626			6.55		68	1.44
Senior housing	3	37,631			22,303			59,934			—			59,934			6.44		77	1.31
Office building	2	6,253			19,048			25,301			—			25,301			6.54		74	1.12
Single use building	2	—			6,358			6,358			7,399			13,757			6.32		68	1.26
One- to four-family property	6	1,530			8,251			9,781			—			9,781			6.72		77	1.18


	45	$	194,607		$	416,563		$	611,170		$	104,961		$	716,131		6.54		64	1.29

Weighted average rate		6.71		%	6.46		%	6.54		%	6.52		%	6.53		%
Weighted LTV		67		%	64		%	65		%	55		%	64		%
Weighted DSCR		1.31x			1.31x			1.31x			1.20x			1.29x

The following table presents the Bank's commercial real estate and construction loans, including unpaid principal and undisbursed amounts, along with outstanding loan commitments as of September 30, 2026, categorized by aggregate gross loan and commitment amount, as well as average loan amount and weighted average rate, LTV, and DSCR. For amounts over $60.0 million, there were $151.1 million for loans related to hotels in Arizona and California, $142.6 million for loans related to multi-family properties in Kansas, and $69.6 million related to a loan secured by multiple senior housing facilities in Kansas. The largest loan included in the table below was $86.0 million, which was fully disbursed as of September 30, 2026, and is collateralized by a hotel in Arizona. This loan was current and performing as of September 30, 2026.


		Gross Loan
		and Commitment		Average		Weighted		Weighted		Weighted
	Count	Amounts		Amount		Rate		LTV		DSCR
	(Dollars in thousands)
Greater than $60 million	5	$	363,371	$	72,674	5.94	%	60	%	1.51x
>$50 to $60 million	4	220,980		55,245		5.46		56		1.46
>$40 to $50 million	4	191,332		47,833		6.35		54		1.48
>$30 to $40 million	13	447,691		34,438		5.88		66		1.29
>$20 to $30 million	20	471,974		23,599		6.46		66		1.17
>$10 to $20 million	31	431,344		13,914		6.53		67		1.59
>$5 to $10 million	45	322,758		7,172		5.84		69		2.48
$1 to $5 million	132	305,376		2,313		5.69		60		2.46
Less than $1 million	476	106,638		224		6.41		53		3.05
	730	$	2,861,464	3,920		6.08		63		1.69

The following table summarizes the Bank's commercial and industrial loans by loan purpose as of the dates indicated, along with DSCR weighted by gross loan amount at September 30, 2026. As of September 30, 2026, 59.8% of the Bank's commercial and industrial gross loan balances were to borrowers located in Kansas. The Bank had three commercial and industrial loan commitments totaling $13.8 million, with a weighted average rate of 6.38%, at September 30, 2026. Management anticipates growth in the commercial and industrial loan portfolio as the Bank advances its strategy to grow all aspects of commercial banking. However, given the inherent characteristics of these loans, balances will likely fluctuate over time.


												June 30,
	September 30, 2026											2026
		Unpaid			Undisbursed			Gross Loan			Weighted	Gross Loan
	Count	Principal			Amount			Amount			DSCR	Amount
		(Dollars in thousands)
Purchase/refinance business assets	62	$	137,028		$	4,470		$	141,498		2.14x	$	104,800
Working capital	199	100,947			37,538			138,485			5.71	156,493
Purchase equipment	57	48,299			3,018			51,317			2.27	22,485
Finance/lease vehicle	118	25,449			—			25,449			2.31	27,924
Other	85	11,911			2,597			14,508			1.17	14,245
	521	$	323,634		$	47,623		$	371,257		3.47	$	325,947

Weighted average rate		6.68		%	6.41		%	6.65		%		6.68		%

The following table presents the Bank's commercial and industrial loan portfolio, including unpaid principal and undisbursed amounts, along with outstanding loan commitments as of September 30, 2026, categorized by aggregate gross loan and commitment amounts, as well as average loan amount, and weighted average DSCR. The largest loan included in the table below was a working capital loan with a gross balance of $36.0 million, of which $3.9 million remained undisbursed as of September 30, 2026. This loan is part of the Bank's largest commercial and industrial lending relationship, which had a total gross loan balance of $83.4 million as of September 30, 2026, representing approximately 22% of the gross commercial and industrial loan portfolio at that date. The borrower is located in Kansas and, as of September 30, 2026, also maintained an additional working capital loan with a gross loan balance greater than $15 million, for a total of two loans with a gross loan amount greater than $15 million. These two loans were current and performing as of September 30, 2026.


		Gross Loan
		and Commitment		Average		Weighted
	Count	Amounts		Amount		DSCR
	(Dollars in thousands)
Greater than $15 million	4	$	118,476	$	29,619	1.89x
>$10 to $15 million	3	34,206		11,402		2.40
>$5 to $10 million	13	96,643		7,434		4.25
>$1 to $5 million	35	69,503		1,986		4.82
>$500 thousand to $1 million	38	28,579		752		5.81
Less than $500 thousand	431	37,650		87		3.85
	524	$	385,057	735		3.54

Asset Quality

The following tables present loans 30 to 89 days delinquent, non-performing loans, and other real estate owned ("OREO") as of the dates indicated. The amounts in the table represent the unpaid principal balance of the loans less related charge-offs, if any. Of the loans 30 to 89 days delinquent at September 30, 2026, approximately 79% were 59 days or less delinquent. Nonaccrual loans are loans that are 90 or more days delinquent or in foreclosure and other loans required to be reported as nonaccrual pursuant to the Bank's internal policies, even if the loans are current. Non-performing assets include nonaccrual loans and OREO.



	Loans Delinquent for 30 to 89 Days at:
	September 30,				June 30,				March 31,				December 31,				September 30,
	2026				2026				2026				2025				2025
	Count	Amount			Count	Amount			Count	Amount			Count	Amount			Count	Amount
	(Dollars in thousands)
One- to four-family:
Originated	65	$	7,240		63	$	7,063		65	$	6,624		83	$	9,351		68	$	7,338
Purchased	10	2,559			9	2,209			10	2,366			21	5,767			13	3,221

Commercial:
Commercial real estate	6	3,149			4	2,040			7	1,554			6	2,584			7	1,236
Commercial and industrial	9	2,199			10	2,132			8	771			5	1,039			1	32
Consumer	21	426			19	499			22	570			29	635			22	520
	111	$	15,573		105	$	13,943		112	$	11,885		144	$	19,376		111	$	12,347

Loans 30 to 89 days delinquent
to total loans receivable, net		0.19		%		0.17		%		0.15		%		0.24		%		0.15		%



	Nonaccrual Loans and OREO at:
	September 30,				June 30,				March 31,				December 31,				September 30,
	2026				2026				2026				2025				2025
	Count	Amount			Count	Amount			Count	Amount			Count	Amount			Count	Amount
	(Dollars in thousands)
Loans 90 or More Days Delinquent or in Foreclosure:
One- to four-family:
Originated	32	$	3,000		33	$	3,980		31	$	4,130		29	$	3,223		29	$	2,754
Purchased	10	3,531			12	3,694			15	5,606			6	1,469			6	1,524
Commercial:
Commercial real estate	10	2,787			10	2,821			12	2,634			12	3,358			11	3,123
Commercial and industrial	3	106			4	144			4	999			2	199			2	210
Consumer	10	133			9	176			9	72			14	218			10	94
	65	9,557			68	10,815			71	13,441			63	8,467			58	7,705

Loans 90 or more days delinquent or in foreclosure
as a percentage of total loans		0.12		%		0.13		%		0.17		%		0.10		%		0.09		%

Nonaccrual loans less than 90 Days Delinquent:(1)



Commercial:
Commercial real estate	7	$	39,963		5	$	39,969		6	$	41,057		4	$	40,338		3	$	40,249
Commercial and industrial	8	1,407			8	500			7	410			1	77			2	109

	15	41,370			13	40,469			13	41,467			5	40,415			5	40,358
Total nonaccrual loans	80	50,927			81	51,284			84	54,908			68	48,882			63	48,063

Nonaccrual loans as a percentage of total loans		0.62		%		0.63		%		0.68		%		0.60		%		0.59		%

OREO:
One- to four-family:
Originated(2)	—	$	—		—	$	—		—	$	—		2	$	291		1	$	62
Purchased	1	299			—	—			—	—			—	—			—	—




Consumer	—	—			—	—			1	135			1	135			1	135

	1	299			—	—			1	135			3	426			2	197
Total non-performing assets	81	$	51,226		81	$	51,284		85	$	55,043		71	$	49,308		65	$	48,260

Non-performing assets as a percentage
of total assets		0.53		%		0.53		%		0.56		%		0.50		%		0.49		%

(1)Includes loans required to be reported as nonaccrual pursuant to internal policies even if the loans are current.

(2)Real estate-related consumer loans where we also hold the first mortgage are included in the one- to four-family category as the underlying collateral is one- to four-family property.

The following table presents the amortized cost of loans classified as special mention or substandard at the dates presented. The decrease in commercial real estate special mention loans at September 30, 2026 compared to September 30, 2025 was due mainly to a hotel participation loan being upgraded to a pass classification as a result of an improvement in the hotel's financial results, along with a large commercial real estate loan being moved from special mention to substandard, increasing the commercial real estate substandard balance. During the current quarter, a $15 million commercial lending relationship was classified as substandard due to cash flow concerns related to the operation of the property. An appraisal is pending on that property. The loan was current at the dates presented in the table below. The remainder of the substandard commercial real estate loan balance for the periods presented in the table below primarily relates to one borrowing relationship. During the March 31, 2026 quarter, an updated appraisal was received related to the collateral securing the lending relationship. The updated appraisal was lower than the appraisal received in the prior year and, as a result, a $4.0 million specific valuation allowance was recorded as of March 31, 2026 relating to this lending relationship, which was still in place at September 30, 2026. The loans associated with this lending relationship were on nonaccrual at the dates presented in the table below.


	September 30, 2026				June 30, 2026				September 30, 2025
	Special Mention		Substandard		Special Mention		Substandard		Special Mention		Substandard
	(Dollars in thousands)
One- to four-family	$	12,582	$	21,463	$	11,839	$	22,620	$	13,055	$	20,616
Commercial:
Commercial real estate	3,966		57,344		15,626		44,798		59,993		45,550
Commercial and industrial	702		1,510		112		648		399		473
Consumer	100		393		142		356		326		322
	$	17,350	$	80,710	$	27,719	$	68,422	$	73,773	$	66,961

Allowance for Credit Losses: The Bank utilizes a discounted cash flow model for estimating expected credit losses for pooled loans and loan commitments. Expected credit losses are determined by calculating projected future loss rates, which are dependent upon forecasted economic indices, and applying qualitative factors when deemed appropriate by management. At September 30, 2026, management applied qualitative factors to account for large dollar commercial real estate loan concentrations and potential risk of loss in market value for newer one- to four-family loans. These qualitative factors were applied to account for credit risks not fully reflected in the discounted cash flow model.

In order to model the probabilities of default used in the discounted cash flow model, the model pairs the results of a regression analysis with an economic forecast for each loan pool in the model. The regression analyses are determined by comparing historical loss rates to related economic indices. The historical loss rates are determined by using the Company's historical loss experience, or peer data when the Company's own historical loss rates are not reflective of future loss expectations. During the June 30, 2026 quarter, the Company updated the regression analyses used in the model which resulted in some changes to the amounts and levels of ACL calculated by the model. The update entailed incorporating into the ACL model additional historical loss time periods for all loan categories and resulted in a decrease in the ACL of approximately $800 thousand, mainly within the commercial construction loan category. The historical loss experience for commercial construction loans continued to show lower historical losses resulting in a lower loss rate for this loan category.

The Company's commercial real estate loans generally have low LTVs and strong DSCRs, which serve as indicators that losses in the commercial real estate loan portfolio might be unlikely; however, because there is uncertainty surrounding the nature, timing, and amount of expected losses, management believes that in the event of a realized loss within the large dollar commercial real estate loan pool, the magnitude of such a loss could be significant. The large dollar commercial real estate loan concentration qualitative factor addresses the risks associated with large dollar relationships. As part of its analysis, management considered external data, including historical commercial real estate price index trending information, from a variety of sources to help determine the amount of this qualitative factor.

For one- to four-family loans, management believes there is a risk of loss in market value in an economic downturn related to, in particular, newer originations where property values have not experienced price appreciation, as compared to more seasoned loans in our portfolio, and applied a qualitative factor to account for this risk. To determine the appropriate amount of the one- to four-family loan qualitative factor as of September 30, 2026, management considered external historical home price index trending information, along with historical loan loss experience, and portfolio balance trending, the one- to four-family loan portfolio composition with regard to loan size, and management's knowledge of the Bank's loan portfolio and the one- to four-family lending industry.

The distribution of our ACL and the ratio of ACL to loans receivable, by loan type, at the dates indicated is summarized below. The increase in the ACL to loans receivable ratio as of September 30, 2026 compared to September 30, 2025 was due primarily to establishing a $4.0 million specific valuation allowance related to a commercial real estate lending relationship during the March 31, 2026 quarter which continued to be in place at September 30, 2026, partially offset by improvement between periods in some of the commercial-related forecasted economic indices and an update to the ACL model's regression analyses (as discussed above). Based on management's evaluation of the credit risk within the Bank's commercial loan portfolio, taking into consideration DSCRs and LTVs, management believes the Bank's ACL ratio for commercial loans is appropriate for the credit risk.


	Distribution of ACL						Ratio of ACL to Loans Receivable
	September 30,		June 30,		September 30,		September 30,		June 30,		September 30,
	2026		2026		2025		2026		2026		2025
	(Dollars in thousands)




One- to four-family	$	2,227	$	2,224	$	3,046	0.04	%	0.04	%	0.05	%
Commercial:
Commercial real estate	18,075		18,701		15,809		0.87		0.93		0.92
Commercial and industrial	3,375		2,810		2,499		1.04		1.03		1.19
Commercial construction	2,128		2,185		2,468		1.09		1.13		1.26
Total	23,578		23,696		20,776		0.91		0.96		0.98
Consumer	194		183		217		0.16		0.16		0.19
Total	$	25,999	$	26,103	$	24,039	0.32		0.32		0.30

Historically, the Bank has maintained very low delinquency ratios and net charge-off rates. Over the past two years, the Bank's highest ratio of commercial loans 90 days or more delinquent to total commercial loans at a quarter end was 0.22%. The highest such ratio for one- to four-family originated and correspondent loans, combined, was 0.17%. During the 10-year period ended September 30, 2026, the Bank recognized total net charge-offs of $1.1 million. As of September 30, 2026, the ACL balance was $26.0 million and the reserve for off-balance sheet credit exposures totaled $6.4 million, which management believes is adequate for the credit risk characteristics in our loan portfolio.

The following table presents ACL activity and related ratios at the dates and for the periods indicated.


	At or For the Three Months Ended			At or For the Year Ended
	September 30, 2026			September 30, 2026
	(Dollars in thousands)
Balance at beginning of period	$	26,103		$	24,039
Charge-offs:
One- to four-family	(2)			(14)
Commercial	—			(225)
Consumer	(27)			(104)
Total charge-offs	(29)			(343)
Recoveries:
One- to four-family	72			74
Commercial	—			2
Consumer	5			11
Total recoveries	77			87
Net (charge-offs) recoveries	48			(256)
Provision for credit losses	(152)			2,216
Balance at end of period	$	25,999		$	25,999

Ratio of net charge-offs during the period
to average loans outstanding during the period	—		%	—		%
Ratio of net charge-offs (recoveries) during the
period to average non-performing assets	(0.09)			0.51
ACL to non-performing loans at end of period	51.05			51.05
ACL to loans receivable at end of period	0.32			0.32
ACL to net charge-offs	N/M⁽¹⁾			102x

(1) This ratio is not presented due to loan recoveries exceeding loan charge-offs during the period.

Securities Portfolio

The following table presents the distribution of our securities portfolio, at amortized cost, at September 30, 2026. Overall, fixed-rate securities comprised 91% of our securities portfolio at September 30, 2026. The weighted average life ("WAL") is the estimated remaining maturity (in years) after three-month historical prepayment speeds and projected call option assumptions have been applied. During the current fiscal year, cash flows from the securities portfolio were primarily reinvested into commercial loan growth or used to pay down certain maturing FHLB borrowings.



	Amount		Yield		WAL
	(Dollars in thousands)
MBS	$	739,636	5.36	%	3.9


Corporate bonds	4,000		5.12		5.6

	$	743,636	5.36		3.9

The following table summarizes the activity in our securities portfolio based on the estimated fair value, which is also the carrying value, for the periods presented. The weighted average yields for the beginning and ending balances are as of the first and last days of the periods presented and are generally derived from recent prepayment activity on the securities in the portfolio. The beginning and ending WALs are the estimated remaining principal repayment terms (in years) after three-month historical prepayment speeds and projected call option assumptions have been applied.


	For the Three Months Ended					For the Year Ended
	September 30, 2026					September 30, 2026
	Amount		Yield		WAL	Amount		Yield		WAL
	(Dollars in thousands)
Beginning balance - carrying value	$	783,559	5.42	%	3.4	$	867,216	5.45	%	4.8
Maturities and repayments	(32,051)					(145,178)
Net amortization of (premiums)/discounts	930					3,659
Purchases	—		—		—	37,786		4.22		6.5

Change in valuation on AFS securities	(17,624)					(28,669)
Ending balance - carrying value	$	734,814	5.36		3.9	$	734,814	5.36		3.9

Deposit Portfolio

The following table presents the amount, weighted average rate, and percent of total for the components of our deposit portfolio at the dates presented.



	September 30, 2026						June 30, 2026						September 30, 2025

					% of						% of						% of
	Amount		Rate		Total		Amount		Rate		Total		Amount		Rate		Total
	(Dollars in thousands)
Non-interest-bearing checking	$	662,523	—	%	9.7	%	$	671,852	—	%	9.8	%	$	601,371	—	%	9.1	%
Interest-bearing checking	905,905		0.25		13.2		914,462		0.25		13.3		859,256		0.21		13.0
High yield savings	796,312		3.60		11.6		731,580		3.60		10.7		460,712		3.88		7.0
Other savings	422,381		0.07		6.2		433,807		0.07		6.3		423,942		0.07		6.5
Money market	1,196,177		1.16		17.4		1,209,512		1.13		17.7		1,233,487		1.29		18.7
Certificates of deposit	2,875,871		3.49		41.9		2,889,492		3.48		42.2		3,012,680		3.74		45.7
	$	6,859,169	2.12		100.0	%	$	6,850,705	2.09		100.0	%	$	6,591,448	2.26		100.0	%

The following table presents the amount, weighted average rate, and percent of total for the components of our deposit portfolio, split between retail non-maturity deposits, commercial non-maturity deposits, and CDs at the dates presented.



	September 30, 2026						June 30, 2026						September 30, 2025

					% of						% of						% of
	Amount		Rate		Total		Amount		Rate		Total		Amount		Rate		Total
	(Dollars in thousands)
Retail non-maturity deposits:
Non-interest-bearing checking	$	438,538	—	%	6.4	%	$	445,719	—	%	6.5	%	$	409,722	—	%	6.2	%
Interest-bearing checking	832,272		0.10		12.1		828,292		0.05		12.1		790,783		0.08		12.0
High yield savings	796,312		3.60		11.6		731,580		3.60		10.7		460,712		3.88		7.0
Other savings	418,918		0.07		6.1		429,050		0.07		6.2		420,330		0.07		6.4
Money market	1,026,034		1.01		15.0		1,046,190		0.99		15.3		1,050,841		1.07		15.9
Total	3,512,074		1.14		51.2		3,480,831		1.08		50.8		3,132,388		0.96		47.5
Commercial non-maturity deposits:
Non-interest-bearing checking	223,985		—		3.2		226,133		—		3.3		191,649		—		2.9
Interest-bearing checking	73,633		2.02		1.1		86,170		2.13		1.2		68,473		1.72		1.0
Savings	3,463		0.05		0.1		4,757		0.05		0.1		3,612		0.05		0.1
Money market	170,143		2.06		2.5		163,322		2.01		2.4		182,646		2.52		2.8
Total	471,224		1.06		6.9		480,382		1.07		7.0		446,380		1.29		6.8
Certificates of deposit:
Retail certificates of deposit	2,766,350		3.48		40.3		2,770,322		3.47		40.4		2,828,982		3.73		43.0
Commercial certificates of deposit	50,097		3.38		0.7		52,088		3.39		0.8		61,819		3.64		0.9
Public unit certificates of deposit	59,424		3.88		0.9		67,082		3.93		1.0		121,879		4.06		1.8
Total	2,875,871		3.49		41.9		2,889,492		3.48		42.2		3,012,680		3.74		45.7

	$	6,859,169	2.12		100.0	%	$	6,850,705	2.09		100.0	%	$	6,591,448	2.26		100.0	%

The following table presents the amount, weighted average rate, and percent of total for total retail deposits, commercial deposits, and public unit CDs at the dates noted.



	September 30, 2026						June 30, 2026						September 30, 2025

					% of						% of						% of
	Amount		Rate		Total		Amount		Rate		Total		Amount		Rate		Total
	(Dollars in thousands)
Total retail deposits	$	6,278,424	2.17	%	91.5	%	$	6,251,153	2.14	%	91.2	%	$	5,961,370	2.28	%	90.5	%
Total commercial deposits	521,321		1.28		7.6		532,470		1.29		7.8		508,199		1.58		7.7
Public unit certificates of deposit	59,424		3.88		0.9		67,082		3.93		1.0		121,879		4.06		1.8
	$	6,859,169	2.12		100.0	%	$	6,850,705	2.09		100.0	%	$	6,591,448	2.26		100.0	%

As of September 30, 2026, approximately $782.6 million (or approximately 13%) of the Bank's Call Report deposit balance was uninsured, of which approximately $641.4 million (or approximately 10% of the Bank's Call Report deposit balance) related to commercial and retail deposit accounts, with the remainder mainly comprised of fully collateralized public unit deposits and intercompany accounts. The uninsured amounts are estimates based on the methodologies and assumptions used for the Bank's regulatory reporting requirements.

Borrowings

The following table presents the maturity of term borrowings, which consist of FHLB advances, along with the associated weighted average contractual and effective rates as of September 30, 2026. Amortizing FHLB advances totaling $191.3 million are presented based on their maturity dates versus their quarterly scheduled repayment dates. Included in the fiscal year 2027 amount are $125.0 million of adjustable-rate advances with short-terms to maturity that replaced $125.0 million of fixed-rate advances that matured during the current quarter. Adjustable-rate advances were used, in part, to better match the repricing characteristics of the Bank's growing commercial loan portfolio. Additionally, the short-term nature of these advances provides the Bank with flexibility to pay them down should its balance of cash increase. The weighted average rate of these advances, as of September 30, 2026, was 4.07%, and was tied to an overnight borrowing rate, which, given the current shape of the yield curve, cost less than longer-term fixed rate advances.


Maturity by			Contractual		Effective
Fiscal Year	Amount		Rate		Rate(1)
	(Dollars in thousands)
2027	$	482,500	2.96	%	3.07	%
2028	846,311		4.02		4.00
2029	222,500		3.96		4.12
2030	65,000		4.20		4.20


	$	1,616,311	3.71		3.74

(1)The effective rate includes the impact of the interest rate swap and the amortization of deferred prepayment penalties resulting from FHLB advances previously prepaid.

The following table presents borrowing activity for the periods shown. Line of credit borrowings and finance leases are excluded from the table. The effective rate is shown as a weighted average and includes the impact of the interest rate swap and the amortization of deferred prepayment penalties resulting from FHLB advances previously prepaid. The weighted average maturity ("WAM") is the remaining weighted average contractual term in years. The beginning and ending WAMs represent the remaining maturity as of the first and last days of the period presented.


	For the Three Months Ended					For the Year Ended
	September 30, 2026					September 30, 2026
			Effective					Effective
	Amount		Rate		WAM	Amount		Rate		WAM
	(Dollars in thousands)
Beginning balance	$	1,637,480	3.72	%	1.4	$	1,950,984	3.54	%	1.5
Maturities and repayments	(196,169)		3.77			(934,673)		3.39
New FHLB borrowings	175,000		3.93		0.1	600,000		3.83		1.7
Ending balance	$	1,616,311	3.74		1.1	$	1,616,311	3.74		1.1

Included in the amount of new FHLB borrowings during the current year were $425.0 million of advances that were used to prepay $425.0 million of existing advances, which are included in maturities and repayments. During the March 31, 2026 quarter, the Bank prepaid $375.0 million of fixed-rate advances with a weighted average effective rate of 4.36% and a WAM of 0.9 years and replaced them with $375.0 million of fixed-rate advances with a weighted average effective rate of 3.81% and a WAM of 2.4 years. This transaction resulted in prepayment fees of $2.1 million, which are being recognized in interest expense over the life of the new FHLB advances. During the December 31, 2025 quarter, the Bank prepaid a $50.0 million fixed-rate advance with a weighted average effective rate of 4.03% and a WAM of 0.5 years and replaced it with a $50.0 million fixed-rate advance with a weighted average effective rate of 3.64% and a WAM of 2.0 years. This transaction resulted in prepayment fees of $11 thousand, which are being recognized in interest expense over the life of the new FHLB advance. These prepayment activities are reflected in the table above.

Management will continue to monitor opportunities for wholesale funding and may pay down FHLB advances in future periods. The Bank may also continue to renew certain fixed-rate advances in the future using adjustable-rate advances in order to better match the repricing characteristics of its increasing commercial loan portfolio.

Maturities of Interest-Bearing Liabilities

The following table presents the maturity and weighted average repricing rate, which is also the weighted average effective rate, of CDs, split between retail/commercial and public unit amounts, and non-amortizing FHLB advances for the next four quarters as of September 30, 2026.


	December 31,			March 31,			June 30,			September 30,
	2026			2027			2027			2027			Total
	(Dollars in thousands)
Retail/Commercial Certificates:
Amount	$	732,979		$	551,289		$	652,734		$	304,136		$	2,241,138
Repricing Rate	3.54		%	3.55		%	3.49		%	3.22		%	3.48		%
Public Unit Certificates:
Amount	$	18,000		$	19,000		$	11,644		$	10,780		$	59,424
Repricing Rate	3.62		%	4.14		%	4.04		%	3.71		%	3.88		%
Term Borrowings:
Amount	$	125,000		$	100,000		$	150,000		$	100,000		$	475,000
Repricing Rate	4.07		%	1.24		%	2.99		%	3.73		%	3.06		%
Total
Amount	$	875,979		$	670,289		$	814,378		$	414,916		$	2,775,562
Repricing Rate	3.62		%	3.22		%	3.40		%	3.35		%	3.42		%

The following table sets forth the WAM information for our CDs, in years, as of September 30, 2026.


Retail certificates of deposit			0.8
Commercial certificates of deposit			0.7
Public unit certificates of deposit			0.4
Total certificates of deposit			0.8

Average Rates and Lives

At September 30, 2026, the gap between the amount of the Bank's interest-earning assets and interest-bearing liabilities projected to mature or reprice within one year was $(1.09) billion, or (11.3)% of total assets, compared to $(1.13) billion, or (11.7%) of total assets, at June 30, 2026. The change in the one-year gap amount was due primarily to a net decrease in the amount of projected interest-bearing liability cash flows coming due in one year. This decrease was due primarily to the projected timing of deposit cash flows including those from the Bank's CD portfolio which extended out as more customers opened longer-term CDs during the quarter. The decreases due to the projected timing of deposit cash flows were partially offset by an increase in liability cash flows related to the Bank's wholesale borrowings portfolio as it continued to season.

The amount of interest-bearing liabilities expected to reprice in a given period is not typically significantly impacted by changes in interest rates because the Bank's borrowings and CD portfolios have contractual maturities and generally cannot be terminated early without a prepayment penalty. If interest rates were to increase 200 basis points, as of September 30, 2026, the Bank's projected one-year gap would have been $(1.13) billion, or (11.7)% of total assets. If interest rates were to decrease 200 basis points, as of September 30, 2026, the Bank's one-year gap would have been projected to be $(609.9) million, or (6.3)% of total assets. The changes in the gap amounts compared to when there is no change in rates was due to changes in the anticipated net cash flows primarily as a result of projected prepayments on mortgage-related assets in each rate environment. In higher rate environments, prepayments on mortgage-related assets are projected to be lower, and in lower rate environments, prepayments are projected to be higher.

The following table presents the weighted average yields/rates and WALs (in years), after applying prepayment, call assumptions, and decay rates for our interest-earning assets and interest-bearing liabilities as of September 30, 2026, as applicable. Yields presented for interest-earning assets include the amortization of fees, costs, premiums and discounts, which are considered adjustments to the yield. The interest rate presented for term borrowings is the effective rate, which includes the impact of the interest rate swap and the amortization of deferred prepayment penalties resulting from FHLB advances previously prepaid. The WAL presented for term borrowings includes the effect of the interest rate swap.



	Amount		Yield/Rate		WAL	% of Category		% of Total
	(Dollars in thousands)
Securities	$	734,814	5.36	%	4.1			8.0	%
Loans receivable:
Fixed-rate one- to four-family	4,651,070		3.62		6.8	56.5	%	50.6
Fixed-rate commercial	924,208		5.79		1.4	11.2		10.1
All other fixed-rate loans	30,580		7.38		7.1	0.4		0.3
Total fixed-rate loans	5,605,858		4.00		5.9	68.1		61.0
Adjustable-rate one- to four-family	858,329		4.70		4.3	10.5		9.3
Adjustable-rate commercial	1,660,578		6.05		2.6	20.2		18.1
All other adjustable-rate loans	101,840		7.20		6.9	1.2		1.1
Total adjustable-rate loans	2,620,747		5.66		3.4	31.9		28.5
Total loans receivable	8,226,605		4.53		5.1	100.0	%	89.5
FHLB stock	75,113		9.21		1.2			0.8
Cash and cash equivalents	150,292		3.43		—			1.7
Total interest-earning assets	$	9,186,824	4.61		4.9			100.0	%

Non-maturity deposits	$	3,320,775	1.36		4.8	53.6	%	42.5	%
Retail certificates of deposit	2,766,350		3.48		0.8	44.6		35.4
Commercial certificates of deposit	50,097		3.38		0.7	0.8		0.6
Public unit certificates of deposit	59,424		3.88		0.4	1.0		0.8
Total interest-bearing deposits	6,196,646		2.35		3.0	100.0	%	79.3
Term borrowings	1,617,454		3.74		1.1			20.7


Total interest-bearing liabilities	$	7,814,100	2.64		2.6			100.0	%

October 2026 QUARTERLY INVESTOR PRESENTATION

2 Safe Harbor Disclosure Except for the historical information contained in this press release, the matters discussed herein may be deemed to be "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements include statements about our beliefs, plans, objectives, goals, expectations, anticipations, estimates and intentions. The words "may," "could," "should," "would," "will," "believe," "anticipate," "estimate," "expect," "intend," "plan," and similar expressions are intended to identify forward-looking statements. Forward- looking statements involve risks and uncertainties, including: changes in policies or the application or interpretation of laws and regulations by regulatory agencies and tax authorities; other governmental initiatives affecting the financial services industry; changes in accounting principles, policies or guidelines; fluctuations in interest rates and the effects of inflation or a potential recession, whether caused by Federal Reserve action or otherwise; changes to existing trade policies that could affect economic activity or specific industry sectors; the impact of bank failures or adverse developments at other banks and related negative press about the banking industry in general on investor or depositor sentiment; demand for loans in Capitol Federal Financial, Inc.'s market areas; the future earnings and capital levels of Capitol Federal Savings Bank and the impact of potential pre-1988 bad debt recapture, which could affect the ability of Capitol Federal Financial, Inc. to pay dividends in accordance with its dividend policies; competition; and other risks detailed from time to time in documents filed or furnished by Capitol Federal Financial, Inc. with the Securities and Exchange Commission. Actual results may differ materially from those currently expected. These forward-looking statements represent Capitol Federal Financial, Inc.'s judgment as of the date of this release. Capitol Federal Financial, Inc. disclaims, however, any intent or obligation to update these forward- looking statements.

3 Capitol Federal Financial, Inc. (CFFN) at a glance For over 130 years, Capitol Federal® has been a leader in financial stability and trust in the communities we serve. We will continue the tradition we have held since 1893 as a community-oriented financial institution, offering a variety of financial services to meet the needs of the communities we serve, currently through 42 traditional and two in-store branches. Ticker Market Capitalization Nasdaq: CFFN $1.0 billion Commercial Business Deposit Accounts Business and Corporate Cards Treasury Management Commercial and Business Loans Wealth Management Insurance Assets Loans $9.7 billion $8.2 billion Deposits $6.9 billion Local communities served Selected Product Offerings Consumer Deposit Accounts Mortgages and Loans Digital Banking Private Banking Trust Services Wealth Management Insurance Credit Cards Corporate Offices Topeka, Kansas

4 Uniquely positioned, deeply experienced and fully aligned to deliver on our strategic roadmap Our leadership team combines deep industry expertise with a proven track record of operational excellence. We have architected the current strategic plan and possess the unique institutional knowledge required to execute it seamlessly. No other team is better equipped to navigate the complexities of our market and deliver on our long-term value creation goals. Executive leadership The right team to execute Experienced board Appropriate skills to oversee strategy 7 Member board 88% Independent Financial Industry knowledge Executive leadership Technology / Data security Compliance / Regulatory Community engagement Human capital management Risk / Operations Marketing / Public relations Small business / Entrepreneurship John B. Dicus CEO Kent Townsend CFO & Treasurer Rick Jackson CLO Natalie Haag General Counsel Tony Barry Chief Corporate Services Officer Billy Skrobacz Jr. President ü ü ü ü ü ü ü ü ü ü ü ü Sarah Sanders. Chief Retail Operations Officer

5 CFFN investment rationale Uniquely focused on delivering long- term, sustainable stockholder value while maintaining a strong capital position Banking expertise strengthened by a deep understanding of the communities we serve 1 Robust balance sheet, consistent results, long history of disciplined capital returns 2 Executed strategic initiatives result in full-service commercial bank 3

6 Strategic Initiatives Deliver long-term value to stockholders through the disciplined execution of our strategic initiatives Enhancing stockholder value while upholding sound asset quality and a strong capital position. Strategic Actions Commercial Lending Treasury Management Disciplined Capital Returns Wealth Management Digital Banking Value Adding Investments in People and Technology

7 Deposit base and customer solution expansion Treasury Management • Competitive suite of treasury management products • Experienced team of treasury management officers • Focus area for our sales teams to diversify funding sources and increase fee revenue tied to depository accounts • New deposit account onboarding platform • Digital banking enhancements for debit cardholders • Fintech plug-in technologies to integrate into our digital banking experience • Bringing together wealth management, private banking and insurance to provide a comprehensive suite of products and services • Private banking line of business, a gateway to driving off-balance sheet revenue Digital Banking Wealth Management

8 2026 Fiscal Year Accomplishments • Commercial Lending: Increased commercial loans from 26% to 31% of the portfolio, driven by strong commercial banking execution. +$468.8 million • Treasury Management: Expanded treasury management capabilities with digital onboarding, lockbox services, purchase cards, and corporate cards. +$32.3 million/+17% commercial non- interest bearing deposit growth • Digital Banking: Deployed fintech plug-in technology that integrates into our digital banking platform, improved account onboarding for small business customers, completed development of new debit card management software, and launched instant digital debit card applications. • Wealth Management and Private Banking: Built momentum in Wealth Management and Private Banking • Stockholder Value: Maintained disciplined capital allocation while delivering long-term stockholder value through share repurchases and dividends. $60.6 million repurchases/$48.0 million dividends; Improved tangible book value per share from $7.85 to $8.02/+2.2%

9 Balance sheet repositioning continues to drive improvements • Net interest margin continues to improve: Our net interest margin has continued to expand since the completion of our securities restructuring in October 2023, increasing over 100 basis points from our net interest margin of 1.21% for fiscal year 2023 to 2.39% for the quarter ended September 30, 2026. The more recent improvement was due mainly to the continued growth in our commercial loan portfolio, and, to a lesser extent, a reduction in borrowings. Net interest margin (quarter ended) 1.21% 1.80% 2.09% 2.39% 9/23 9/24 9/25 9/26

10 Strong capital position supports capital returns via disciplined framework 10.1% 10.0% 10.0% 10.0% 10.1% 16.8% 16.5% 16.2% 16.0% 15.6% Tier 1 Leverage CET1 9/25 12/25 3/26 6/26 9/26 The Company has paid $0.380 per share in cash dividends during the current fiscal year, including four regular quarterly dividends totaling $0.340 and a $0.040 special dividend in fiscal Q2 2026. The Company repurchased 8,054,222 shares of common stock for $60.6 million at an average price of $7.53 during the year ended September 30, 2026. CFFN had $22.1 million in cash on deposit at the Bank at September 30, 2026. The Bank distributed $112.0 million from the Bank to the Company during the year ended September 30, 2026.

11 Quarterly percentage of dividends and stock repurchases to net income As a Percentage of Net Income 81% 77% 61% 66% 54% 79% 45% 47% Repurchase of common stock Cash dividends to stockholders 12/25 3/26 6/26 9/26 —% 50% 100% 150% 200%

12 Long history of disciplined capital returns Over $2.11 billion of cumulative capital returned to shareholders since 2010 Stockholder dividends $11.62/sh Share repurchases 48,664,789 shares Avg. Price of $10.29 For fiscal year 2027, it is the intention of the Company's Board of Directors to pay out a regular quarterly cash dividend of $0.085 per share, totaling $0.34 per share for the year. (in m ill io ns ) $1,968.7 $2,033.1 $2,114.4 $436.0 $456.2 $500.6 $1,532.7 $1,576.9 $1,613.8 2024 2025 2026 $— $500.0 $1,000.0 $1,500.0 $2,000.0 $2,500.0

13 Growing our commercial loan portfolio • Positive mix-shift into commercial lending, out of single-family lending, is our primary growth-oriented strategic initiative • Growth driven through investments in technology, people, products, and services • Active in commercial lending markets even when the opportunity is outside of our local footprint $0.8B $1.0B $1.3B $1.5B $2.1B $2.6B 9/21 9/22 9/23 9/24 9/25 9/26 Includes commercial real estate, commercial construction and C&I loans

14 69% 31% One- to four-family and consumer Commercial 88% 12% Transition to a commercial loan portfolio $2.3B $1.8B $1.6B $0.7B $1.3B $1.5B One- to four-family and consumer Commercial 2021 2022 2023 2024 2025 2026 Loan CompositionFiscal Year Loan Activity September 30, 2021 September 30, 2026

15 Using our expertise to serve borrowers where they are We offer both commercial and one- to four- family loan products to our customers. We offer commercial lending options and participate in commercial loans with other lenders, both locally and outside our market areas. Commercial loans are generally made to companies domiciled in Kansas and Missouri and include properties located throughout the country. 39% 15% 9% 6% 5% 5% 21% Kansas Missouri Texas Arizona California New York Other 60% 13% 27% Kansas Missouri Other Commercial Real Estate (“CRE”) & Commercial Construction Loans At September 30, 2026, the CRE and Commercial Construction loan portfolio included properties located in Kansas and Missouri and 24 other states. By Location of Property By Location of Borrower Commercial & Industrial Loans At September 30, 2026, the Commercial & Industrial loan portfolio included loans made to borrowers in Kansas, Missouri and 23 other states. 70% 20% Kansas Missouri New York Florida Texas Alabama Other

16 Deposit growth leads to remix of funding sources (in b ill io ns ) $6.43B $6.59B $6.76B $6.92B $6.85B $6.86B Checking High Yield Savings Other Savings Money Market Certificates of Deposit 6/25 9/25 12/25 3/26 6/26 9/26 $– $1.00 $2.00 $3.00 $4.00 $5.00 $6.00 $7.00 $8.00

17 Q4 2026 Financial Highlights Net Income $22.4 million $0.18 basic/diluted earnings per share 2.39% net interest margin Capital Ratios 9.53% CBLR Deposits $6.86 billion Loans $8.20 billion ACL / Loans 0.32% Expense Management 53.79% efficiency ratio 1.35% operating expense ratio • Basic and diluted earnings per share of $0.18 • Net interest margin was 2.39%, an increase of eight basis points from 2.31% for the quarter ended June 30, 2026 (the "prior quarter"); • An efficiency ratio of 53.79%, an increase from 52.10% for the prior quarter; • An operating expense ratio of 1.35%, an increase from 1.29% for the prior quarter; • Paid dividends of $10.5 million, or $0.085 per share • Repurchased 1,684,276 shares of common stock at an average price of $8.74 per share; • Tangible book value per share of $8.02 at September 30, 2026. • Commercial loan growth of $468.8 million, or 22.2% since September 30, 2025; • Commercial deposit growth of $13.1 million, or 2.6% since September 30, 2025; • Distributed $112.0 million from the Bank to the Company during the current year; and • Announced a cash dividend of $0.085 per share, payable on November 20, 2026 to stockholders of record as of the close of business on November 6, 2026.

18 Financial highlights (dollars in thousands) At or for the Three Months Ended 9/30/2026 6/30/2026 3/31/2026 12/31/2025 9/30/2025 Net income $ 22,376 $ 23,570 $ 20,148 $ 20,304 $ 18,813 Earnings per share 0.18 0.19 0.16 0.16 0.14 Tangible book value per share 8.02 8.04 7.96 7.95 7.85 Net interest margin 2.39% 2.31% 2.24% 2.19% 2.09% Return on average assets 0.92 0.97 0.82 0.83 0.77 Return on average equity 8.76 9.21 7.74 7.72 7.17 Commercial loans / Total loans 31.42 30.18 28.48 27.79 26.01 Deposits / Total assets 70.90 70.90 70.45 69.12 67.41 Borrowings / Total assets 16.70 16.93 17.37 18.71 19.95

19 Financial Highlights Condensed Consolidated Income Statement (dollars in thousands) For the Three Months Ended 9/30/2026 6/30/2026 3/31/2026 12/31/2025 9/30/2025 Interest income $ 106,254 $ 105,119 $ 104,560 $ 105,989 $ 104,044 Interest expense 51,425 51,636 52,294 54,672 55,261 Net interest income 54,829 53,483 52,266 51,317 48,783 Provision for credit losses — (433) 2,372 1,106 519 Non-interest income 6,034 6,668 5,459 5,479 5,791 Non-interest expense 32,736 31,342 30,274 30,476 31,018 Income tax expense 5,751 5,672 4,931 4,910 4,224 Net income $ 22,376 $ 23,570 $ 20,148 $ 20,304 $ 18,813 Efficiency ratio 53.79% 52.10% 52.45% 53.66% 56.84% Operating expense ratio 1.35 1.29 1.24 1.24 1.27 Basic and diluted earnings per share $ 0.18 $ 0.19 $ 0.16 $ 0.16 $ 0.14

20 Financial Highlights Condensed Consolidated Balance Sheet (dollars in thousands) At Qtr Avg Yield/Cost for Qtr Ended 9/30/2026 9/30/2025 9/30/2026 6/30/2026 9/30/2026 6/30/2026 ASSETS: Cash and cash equivalents $ 150,292 $ 252,443 $ 123,963 $ 215,292 3.70% 3.65% Securities 734,814 867,216 760,985 792,182 5.41 5.45 Loans receivable, net 8,198,826 8,111,961 8,212,298 8,164,532 4.49 4.42 FHLB Stock 75,113 90,662 74,404 77,904 9.16 9.10 Other assets 515,755 456,419 504,854 499,604 N/A N/A Total assets $ 9,674,800 $ 9,778,701 $ 9,676,504 $ 9,749,514 4.60 4.53 LIABILITIES AND STOCKHOLDERS' EQUITY: Non-maturity deposits $ 3,320,775 $ 2,977,397 $ 3,303,646 $ 3,254,165 1.34 1.26 Retail/comm certificates 2,816,447 2,890,801 2,798,507 2,881,474 3.46 3.53 Wholesale certificates 59,424 121,879 60,753 72,425 3.90 3.95 Total interest-bearing deposits 6,196,646 5,990,077 6,162,906 6,208,064 2.33 2.34 Borrowings 1,615,443 1,950,770 1,623,245 1,677,426 3.72 3.67 Non-interest-bearing deposits 662,523 601,371 671,786 672,513 N/A N/A Other liabilities 194,064 188,806 196,573 168,254 N/A N/A Total liabilities 8,668,676 8,731,024 8,654,510 7,885,490 2.62 2.63 Total stockholders' equity 1,006,124 1,047,677 1,021,994 1,023,257 Total liabilities and stockholders' equity $ 9,674,800 $ 9,778,701 $ 9,676,504 $ 9,749,514

21 $18.4M $18.8M $20.3M $20.1M $23.6M $22.4M 6/25 9/25 12/25 3/26 6/26 9/26 Financial Highlights $0.14 $0.14 $0.16 $0.16 $0.19 $0.18 6/25 9/25 12/25 3/26 6/26 9/26 0.76% 0.77% 0.83% 0.82% 0.97% 0.92% 6/25 9/25 12/25 3/26 6/26 9/26 7.05% 7.17% 7.72% 7.74% 9.21% 8.76% 6/25 9/25 12/25 3/26 6/26 9/26 1.98% 2.09% 2.19% 2.24% 2.31% 2.39% 6/25 9/25 12/25 3/26 6/26 9/26 58.26% 56.84% 53.66% 52.45% 52.10% 53.79% 6/25 9/25 12/25 3/26 6/26 9/26 At or For the Three Months Ended Net Income Return on Average Equity Net Interest Margin Earnings Per Share Return on Average Assets Efficiency Ratio

22 (in m ill io ns ) $29.6M $31.0M $30.5M $30.3M $31.3M $32.7M Salaries and employee benefits Information technology and related expense Occupancy, net Professional and other services Advertising and promotional Other 6/25 9/25 12/25 3/26 6/26 9/26 $— $5.0 $10.0 $15.0 $20.0 $25.0 $30.0 $35.0 Non-interest Expense and Operating Expense Ratio (quarterly) Financial Highlights 1.29% 1.35%1.24%1.24%1.27%1.23%

23 Efficiency Ratio Trends (quarterly) Financial Highlights 58% 57% 54% 52% 52% 54% Salaries and employee benefits Information technology and related expense Occupancy, net Professional and other services Advertising and promotional Other 6/25 9/25 12/25 3/26 6/26 9/26 % 20% 40% 60%

24 Financial Highlights Balance Sheet Trends 24% 26% 28% 28% 30% 31% 6/25 9/25 12/25 3/26 6/26 9/26 125% 123% 121% 118% 120% 120% 6/25 9/25 12/25 3/26 6/26 9/26 21% 20% 19% 17% 17% 17% 6/25 9/25 12/25 3/26 6/26 9/26 Commercial loans / Total loans Loans / Deposits Borrowings / Total assets

25 Financial Highlights Loan Portfolio Trends $6.02B $5.90B $5.81B $5.71B $5.60B $5.52B 3.65% 3.68% 3.71% 3.73% 3.77% 3.81% Originated Purchased Rate 6/25 9/25 12/25 3/26 6/26 9/26 $1.91B $2.12B $2.28B $2.32B $2.47B $2.58B 5.93% 5.98% 5.93% 5.97% 5.98% 6.06% CRE Construction C&I Rate 6/25 9/25 12/25 3/26 6/26 9/26 One- to four-family loans Commercial loans

26 Financial Highlights Hotel, 30% Senior housing 24% Multi-family 14% Retail building 12% Office building, 5% Other 15% $2.3B Total CRE and Construction Loans by Property Type as of September 30, 2026 (Unpaid Principal Balance) • At September 30, 2026, CRE and commercial construction loans made up 87% of the commercial loan portfolio and 27% of total loans. • Maintaining strong credit quality remains a top priority as we expand our commercial loan portfolio. • Weighted average LTV of 63% at September 30, 2026 • Weighted average DSCR of 1.78x at September 30, 2026 • At September 30, 2026, participation loans accounted for $469.0 million, or 21%, of the Bank's commercial real estate and commercial construction loans.

27 Financial Highlights Non-owner occupied CRE as of September 30, 2026 (Unpaid Principal Balance) • Non-owner occupied CRE loans made up 64% of the CRE loan portfolio and 18% of total loans at September 30, 2026. • Hotel: ▪ Weighted average LTV of 54% ▪ Weighted average DSCR of 1.46x • Senior housing: ▪ Weighted average LTV of 72% ▪ Weighted average DSCR of 1.79x • Retail building: ▪ Weighted average LTV of 62% ▪ Weighted average DSCR of 1.87x Hotel, 43% Senior housing, 35% Retail building, 11% Office building, 5% Warehouse/ manufacturing, 2% Other, 4%

28 Financial Highlights Owner occupied CRE as of September 30, 2026 (Unpaid Principal Balance) • Owner occupied CRE loans made up 8% of the CRE loan portfolio and 2% of total loans at September 30, 2026. • Retail building: ▪ Weighted average LTV of 56% ▪ Weighted average DSCR of 1.88x • Office building: ▪ Weighted average LTV of 62% ▪ Weighted average DSCR of 8.53x • Warehouse/manufacturing: ▪ Weighted average LTV of 64% ▪ Weighted average DSCR of 1.57x Retail building, 40% Office building, 21% Warehouse/ manufacturing, 19% Single use building, 16% Other, 4%

29 Financial Highlights C&I Loans by Loan Purpose as of September 30, 2026 (Unpaid Principal Balance) • C&I loans made up and 4% of total loans at September 30, 2026. • Purchase/refinance business assets: ▪ Weighted average DSCR of 2.14x • Working capital: ▪ Weighted average DSCR of 5.71x • Purchase equipment: ▪ Weighted average DSCR of 2.27x Purchase/refinance business assets, 42% Working capital, 31% Purchase equipment, 15% Finance/lease vehicle, 8% Other, 4% $324M Total

30 Financial Highlights Asset Quality • Underwriting standards designed to limit exposure to credit risk • Complete documentation required for all loans • Ongoing monitoring of loan concentrations and credit quality 30 to 89 days delinquent loans to total loans receivable, net Non-performing loans to total loans receivable, net ACL / Total loans, net 6/25 9/25 12/25 3/26 6/26 9/26 —% 0.20% 0.40% 0.60% 0.80% Lo an -to -v al ue (" LT V ") ra tio D ebt service coverage ratio ("D SC R ") LTV on CRE Portfolio DSCR on CRE Portfolio 6/25 9/25 12/25 3/26 6/26 9/26 50% 55% 60% 65% 70% 1.50x 1.60x 1.70x 1.80x

31 Checking Other savings High yield savings Money market Rate 6/25 9/25 12/25 3/26 6/26 9/26 $—B $0.80B $1.60B $2.40B $3.20B $4.00B —% 0.25% 0.50% 0.75% 1.00% 1.25% Non-int checking Int checking Savings Money market Rate 6/25 9/25 12/25 3/26 6/26 9/26 $—B $0.10B $0.20B $0.30B $0.40B $0.50B —% 0.25% 0.50% 0.75% 1.00% 1.25% 1.50% Retail Commercial Public Rate 6/25 9/25 12/25 3/26 6/26 9/26 $—B $0.80B $1.60B $2.40B $3.20B $4.00B —% 1.00% 2.00% 3.00% 4.00% Financial Highlights Deposit Portfolio Retail non-maturity deposits Commercial non-maturity deposits Certificates of deposit

32 Dividend and Share Information (in m ill io ns ) Regular dividends True-up dividends Special dividends Share repurchases 2021 2022 2023 2024 2025 2026 $— $25.0 $50.0 $75.0 $100.0 $125.0 $150.0 2021 2022 2023 2024 2025 2026* 100,000,000 110,000,000 120,000,000 130,000,000 140,000,000 150,000,000 Calendar Year Dividends Shares Outstanding at Fiscal Year End * As of September 30, 2026

33 Financial Highlights Interest Rate Risk Sensitivity (dollars in thousands) As of September 30, 2026 More than More Than Within One Year to Three Years One Year Three Years to Five Years Interest-earning assets: Loans receivable $ 2,570,425 $ 1,839,698 $ 1,228,328 Securities 117,201 245,552 173,013 Other interest-earning assets 130,124 — — 2,817,750 2,085,250 1,401,341 Interest-bearing liabilities: Non-maturity deposits 1,053,066 762,501 555,251 Certificates of deposit 2,300,563 447,020 128,146 Borrowings 558,869 1,057,773 8,935 3,912,498 2,267,294 692,332 Net Cash Flow $ (1,094,748) $ (182,044) $ 709,009 Cumulative gap / Total assets (11.32%) (13.20%) (5.87%) M V PE R ate Sensitivity MVPE Ratio Post Shock MVPE Ratio (+200bp) Rate Sensitivity Ratio 9/25 12/25 3/26 6/26 9/26 4.00% 6.00% 8.00% 10.00% 12.00% 14.00% —% 0.50% 1.00% 1.50% 2.00% 2.50% 3.00% 3.50%

NEWS RELEASE

FOR IMMEDIATE RELEASE

September 30, 2026

CAPITOL FEDERAL FINANCIAL, INC.®

ANNOUNCES QUARTERLY DIVIDEND AND STOCK BUYBACK UPDATE

Topeka, KS - Capitol Federal Financial, Inc. (NASDAQ: CFFN) (the "Company") announced today that its Board of Directors has declared a quarterly cash dividend of $0.085 per share on outstanding CFFN common stock.

The dividend is payable on November 20, 2026 to stockholders of record as of the close of business on November 6, 2026.

Between July 1, 2026 and October 23, 2026, the Company has also repurchased 2,512,196 shares of common stock at an average cost of $8.64 per share. As of October 23, 2026, total shares outstanding were 123,413,063. The Company will release financial results for the quarter ended September 30, 2026 on October 28, 2026.

Capitol Federal Financial, Inc. is the holding company for Capitol Federal Savings Bank (the "Bank"). News and other information about the Company can be found at the Bank's website, https://ir.capfed.com.

Forward-Looking Statements



For further information contact:
Kent Townsend						Investor Relations
Executive Vice President,						(785) 270-6055
Chief Financial Officer and Treasurer						investorrelations@capfed.com
(785) 231-6360
ktownsend@capfed.com

Source: View Original Filing on SEC EDGAR

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