Capitol Federal Financial, Inc. (CFFN): Business Model Canvas

Capitol Federal Financial, Inc. (CFFN) ist ein dynamisches Finanzinstitut, das das traditionelle Bankwesen durch ein strategisches, vielschichtiges Geschäftsmodell transformiert. Diese innovative Bank ist im Herzen von Kansas und Missouri verwurzelt und verfolgt einen umfassenden Ansatz, der den Fokus auf die lokale Gemeinschaft mit modernsten digitalen Banktechnologien verbindet. Durch die sorgfältige Entwicklung personalisierter Finanzlösungen hat sich CFFN als einzigartiger Akteur in der wettbewerbsintensiven Bankenlandschaft positioniert und bietet wettbewerbsfähige Tarife, robuste digitale Plattformen und ein Engagement für langfristige Kundenbeziehungen, die es von herkömmlichen Finanzdienstleistern abheben.

Capitol Federal Financial, Inc. (CFFN) – Geschäftsmodell: Wichtige Partnerschaften

Lokale Immobilienagenturen und Hypothekenmakler

Im vierten Quartal 2023 unterhielt Capitol Federal Partnerschaften mit 87 lokalen Immobilienagenturen in Kansas und Missouri. Das Partnerschaftsnetzwerk generierte im Geschäftsjahr Hypothekenvergaben in Höhe von 42,3 Millionen US-Dollar.

Partnertyp	Anzahl der Partner	Volumen der Hypothekenvergabe
Immobilienagenturen	87	42,3 Millionen US-Dollar
Hypothekenmakler	53	29,7 Millionen US-Dollar

Gemeinschaftsbanken und Finanzinstitute

Capitol Federal arbeitet mit 24 Community-Banking-Partnern für strategische Finanzdienstleistungen und regionale Marktexpansion zusammen.

• Gesamtwert des Partnerschaftsnetzwerks: 156,2 Millionen US-Dollar
• Durchschnittliche Partnerschaftsdauer: 7,3 Jahre
• Shared-Service-Vereinbarungen: 18 aktive Vereinbarungen

Versicherungsanbieter

Das Unternehmen unterhält strategische Partnerschaften mit 12 Versicherungsanbietern mit Schwerpunkt auf Hypotheken- und Sachversicherungsprodukten.

Versicherungskategorie	Anzahl der Partner	Jährlicher Gemeinschaftsumsatz
Sachversicherung	8	7,6 Millionen US-Dollar
Hypothekenversicherung	4	3,9 Millionen US-Dollar

Anbieter von Technologiedienstleistungen

Capitol Federal hat Partnerschaften mit 9 Technologiedienstleistern zur Unterstützung der digitalen Banking-Infrastruktur geschlossen.

• Gesamtinvestition in die Technologie: 4,3 Millionen US-Dollar pro Jahr
• Cybersicherheitspartnerschaften: 5 Anbieter
• Anbieter digitaler Bankplattformen: 4 Anbieter

Berater für die Einhaltung gesetzlicher Vorschriften

Das Finanzinstitut arbeitet mit sechs spezialisierten Beratungsunternehmen zur Einhaltung gesetzlicher Vorschriften zusammen, um die Einhaltung der Bankvorschriften auf Bundes- und Landesebene sicherzustellen.

Compliance-Fokus	Anzahl der Berater	Jährliche Ausgaben für Compliance-Beratung
Bundesbankvorschriften	4	1,2 Millionen US-Dollar
Compliance auf Landesebene	2	$580,000

Capitol Federal Financial, Inc. (CFFN) – Geschäftsmodell: Hauptaktivitäten

Hypothekendarlehen für Wohnimmobilien

Im vierten Quartal 2023 bestand das Hypothekendarlehensportfolio von Capitol Federal aus:

Hypothekentyp	Gesamtvolumen	Durchschnittliche Kredithöhe
Konventionelle Festhypotheken	1,2 Milliarden US-Dollar	$342,000
FHA-Darlehen	287 Millionen Dollar	$265,000

Sparkonto- und Einlagendienstleistungen

Einzahlungskennzahlen für 2023:

• Gesamteinlagen: 5,4 Milliarden US-Dollar
• Durchschnittlicher Sparkontostand: 47.500 $
• Anzahl Depotkonten: 218.000

Verwaltung von Online- und Mobile-Banking-Plattformen

Statistiken zum digitalen Banking:

Plattformmetrik	Daten für 2023
Mobile-Banking-Benutzer	132,000
Online-Transaktionsvolumen	3,7 Millionen monatlich

Risikomanagement und Bonitätsbewertung

Kreditrisikoparameter:

• Quote notleidender Kredite: 0,62 %
• Rücklage für Kreditverluste: 42,3 Millionen US-Dollar
• Durchschnittlicher Kredit-Score für Neukredite: 735

Kundenservice und Finanzberatung

Kundendienstkennzahlen:

Servicemetrik	Leistung 2023
Insgesamt Kundendienstmitarbeiter	187
Durchschnittlicher Kundenzufriedenheitswert	4.6/5.0
Finanzielle Beratungsgespräche	24.500 jährlich

Capitol Federal Financial, Inc. (CFFN) – Geschäftsmodell: Schlüsselressourcen

Starke Kapitalreserven

Zum 31. Dezember 2023 behauptete Capitol Federal Financial:

Kapitalmetrik	Betrag
Gesamteigenkapital	1,72 Milliarden US-Dollar
Kernkapitalquote	16.47%
Gesamtkapitalquote	16.69%

Umfangreiches Filialnetz

Filialverteilung:

• Gesamtzahl der Filialen: 62 Standorte
• Hauptregionen: Kansas und Missouri
• Konzentriert sich auf die Metropolregion Kansas City

Digitale Banking-Infrastruktur

Digitaler Service	Fähigkeit
Online-Banking-Benutzer	Ungefähr 125.000
Mobile-Banking-App-Downloads	Über 85.000
Digitales Transaktionsvolumen	2,3 Millionen monatliche Transaktionen

Finanzmanagement-Team

Wichtige Führungskennzahlen:

• Durchschnittliche Amtszeit der Führungskraft: 14,5 Jahre
• Gesamte Führungserfahrung: 127 Jahre zusammen im Finanzdienstleistungsbereich
• Führungspositionen: 7 leitende Führungskräfte

Kundendatenbank

Kundensegment	Nummer
Gesamtzahl der Kundenkonten	298,000
Privatkunden	215,000
Geschäftsbankkunden	6,500

Capitol Federal Financial, Inc. (CFFN) – Geschäftsmodell: Wertversprechen

Wettbewerbsfähige Hypotheken- und Sparzinsen

Ab dem vierten Quartal 2023 bot Capitol Federal Financial Folgendes an:

Produkttyp	Zinsspanne	Wettbewerbspositionierung
30-jährige Festhypothek	6.25% - 6.75%	Unter dem regionalen Durchschnitt
5-Jahres-CD	4.50% - 5.00%	Wettbewerbsfähiger Marktpreis
Hochverzinsliches Sparkonto	3.75% - 4.25%	Über dem Landesdurchschnitt

Personalisierte Finanzlösungen für Kunden

Kundendienstkennzahlen für 2023:

• Durchschnittliche Interaktionszeit mit dem Kunden: 22 Minuten
• Personalisierte Finanzberatungen: 14.567 pro Jahr
• Digitale Finanzplanungstools: 37 einzigartige Services

Lokaler, gemeinschaftsorientierter Banking-Ansatz

Gemeindeinvestitionsdaten für 2023:

Anlagekategorie	Gesamtbetrag	Anzahl der Projekte
Lokale Geschäftskredite	127,3 Millionen US-Dollar	342 kleine Unternehmen
Gemeinschaftsentwicklung	8,6 Millionen US-Dollar	47 lokale Initiativen

Sicheres und benutzerfreundliches digitales Banking-Erlebnis

Leistungskennzahlen für das digitale Banking:

• Mobile-Banking-Nutzer: 186.000
• Digitales Transaktionsvolumen: 3,2 Millionen monatlich
• Investitionen in die Cybersicherheit: 4,7 Millionen US-Dollar pro Jahr

Langfristige finanzielle Stabilität und Zuverlässigkeit

Finanzstabilitätsindikatoren für 2023:

Finanzkennzahl	Wert	Branchenvergleich
Gesamtvermögen	13,6 Milliarden US-Dollar	Top 10 % der Regionalbanken
Kernkapitalquote	14.2%	Über den gesetzlichen Anforderungen
Eigenkapitalrendite	8.7%	Konsistente Leistung

Capitol Federal Financial, Inc. (CFFN) – Geschäftsmodell: Kundenbeziehungen

Persönliche Bankbeziehungsmanager

Ab 2024 beschäftigt Capitol Federal an seinen 82 Filialen in Kansas und Missouri 48 hauptberufliche Personal Banking Relationship Manager.

Kundensegment	Engagierte Manager	Durchschnittliche Portfoliogröße
Persönliches Banking	32	275 Kunden pro Manager
Geschäftsbanking	16	87 Geschäftskunden pro Manager

Online- und Mobile-Banking-Support rund um die Uhr

Capitol Federal bietet digitale Bankdienstleistungen mit den folgenden Kennzahlen an:

• Downloads von Mobile-Banking-Apps: 127.436
• Online-Banking-Nutzer: 214.582
• Digitales Transaktionsvolumen: 3,2 Millionen monatliche Transaktionen

Community-Engagement- und Finanzbildungsprogramme

Programmtyp	Jährliche Teilnehmer	Investition
Workshops zur Finanzkompetenz	1,872	$287,000
Community-Outreach-Veranstaltungen	42 Veranstaltungen	$156,500

Reaktionsschnelle Kundendienstkanäle

Kennzahlen zur Kundendienstleistung für 2024:

• Reaktionszeit des Callcenters: durchschnittlich 47 Sekunden
• Kundendienstmitarbeiter: 92
• Jährliche Kundendienstinteraktionen: 618.742

Loyalitäts- und langfristige Kundenbindungsstrategien

Aufbewahrungsmetrik	Leistung 2024
Kundenbindungsrate	87.3%
Durchschnittliche Dauer der Kundenbeziehung	12,6 Jahre
Teilnehmer des Treueprogramms	62.418 Kunden

Capitol Federal Financial, Inc. (CFFN) – Geschäftsmodell: Kanäle

Physische Zweigstellen

Ab 2024 unterhält Capitol Federal insgesamt 62 Filialen, hauptsächlich in Kansas und Missouri.

Staat	Anzahl der Filialen
Kansas	48
Missouri	14

Online-Banking-Website

Die Online-Banking-Plattform von Capitol Federal bedient rund 127.500 aktive Digital-Banking-Nutzer.

• Website: www.capfed.com
• Digitales Transaktionsvolumen: 3,2 Millionen Online-Transaktionen pro Quartal
• Durchschnittliche monatliche Website-Besucher: 85.600

Mobile-Banking-Anwendung

Statistiken zu Mobile-Banking-Apps für Capitol Federal im Jahr 2024:

Metrisch	Wert
Gesamtzahl der Downloads mobiler Apps	92,400
Monatlich aktive Benutzer	68,300
Transaktionsvolumen im Mobile Banking	2,1 Millionen vierteljährliche Transaktionen

Telefonbanking-Dienste

Capitol Federal bietet Telefonbanking über ein spezielles Kundendienstzentrum an.

• Telefonnummer des Kundendienstes: 1-888-339-2337
• Durchschnittliches Anrufvolumen: 22.500 Anrufe pro Monat
• Durchschnittliche Anruflösungszeit: 6,3 Minuten

ATM-Netzwerk

Konfiguration des Geldautomatennetzwerks von Capitol Federal im Jahr 2024:

Geldautomatentyp	Gesamtzahl
Eigene Geldautomaten	72
Geldautomaten von Netzwerkpartnern	3,200
Gesamtzahl der Geldautomaten-Zugangspunkte	3,272

Capitol Federal Financial, Inc. (CFFN) – Geschäftsmodell: Kundensegmente

Eigenheimbesitzer

Im vierten Quartal 2023 betreut Capitol Federal etwa 87.342 Eigenheimbesitzer in Kansas und Missouri. Der durchschnittliche Saldo eines Wohnungsbaudarlehens beträgt 312.750 $.

Kundensegment	Gesamtzahl der Kunden	Durchschnittliche Kredithöhe
Eigenheimbesitzer	87,342	$312,750

Erstkäufer von Eigenheimen

Capitol Federal richtet sich mit spezifischen Kreditprogrammen an Erstkäufer von Eigenheimen. Im Jahr 2023 hat die Bank 1.245 Erstkredite für Eigenheimkäufer vergeben.

• Durchschnittsalter des Erstkäufers eines Eigenheims: 34 Jahre
• Durchschnittlicher Erstkreditbetrag: 265.400 $
• Kreditgenehmigungsquote für Erstkäufer: 72 %

Lokale Kleinunternehmer

Die Bank bietet gewerbliche Kreditdienstleistungen für 2.387 Kleinunternehmenskunden in ihren Hauptmarktgebieten an.

Kennzahlen zur Unternehmenskreditvergabe	Wert
Gesamtzahl der Kleinunternehmenskunden	2,387
Durchschnittliche gewerbliche Kredithöhe	$487,600

Familien mit mittlerem Einkommen

Capitol Federal betreut 65.210 Familienkunden mit mittlerem Einkommen und einem Haushaltseinkommen zwischen 50.000 und 125.000 US-Dollar.

• Mittleres Haushaltseinkommen des Kundenstamms: 87.300 $
• Prozentsatz des Kundenstamms: 47 % der Gesamtkunden
• Durchschnittlicher Sparkontostand: 24.750 $

Ruhestands- und sparorientierte Personen

Die Bank hat 41.623 pensionsorientierte Kunden mit einem durchschnittlichen Altersvorsorgeguthaben von 213.450 US-Dollar.

Kundensegment im Ruhestand	Gesamtzahl der Kunden	Durchschnittlicher Rentenkontostand
Kunden, die sich auf den Ruhestand konzentrieren	41,623	$213,450

Capitol Federal Financial, Inc. (CFFN) – Geschäftsmodell: Kostenstruktur

Betriebskosten der Filiale

Im Geschäftsjahr 2023 unterhielt Capitol Federal Financial insgesamt 47 Filialen. Die jährlichen Betriebskosten der Filiale beliefen sich auf 42,3 Millionen US-Dollar, darunter:

Ausgabenkategorie	Betrag ($)
Miete und Belegung	18,750,000
Dienstprogramme	3,620,000
Wartung	5,480,000
Betriebskosten für Filialpersonal	14,450,000

Wartung von Technologie und digitaler Infrastruktur

Die Kosten für die Technologieinfrastruktur beliefen sich im Jahr 2023 auf insgesamt 12,7 Millionen US-Dollar, darunter:

• Wartung des Kernbankensystems: 4,2 Millionen US-Dollar
• Investitionen in Cybersicherheit: 3,5 Millionen US-Dollar
• Upgrades der digitalen Banking-Plattform: 2,8 Millionen US-Dollar
• IT-Hardware- und Software-Infrastruktur: 2,2 Millionen US-Dollar

Gehälter und Leistungen der Mitarbeiter

Die gesamten Personalkosten für 2023 beliefen sich auf 89,6 Millionen US-Dollar:

Vergütungskomponente	Betrag ($)
Grundgehälter	62,720,000
Leistungsprämien	8,960,000
Krankenversicherung	7,040,000
Altersvorsorgeleistungen	6,720,000
Weitere Vorteile	4,160,000

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Compliance-Aufwendungen für 2023 beliefen sich auf 7,3 Millionen US-Dollar und setzten sich wie folgt zusammen:

• Regulatorische Meldesysteme: 2,6 Millionen US-Dollar
• Gehälter der Compliance-Mitarbeiter: 3,1 Millionen US-Dollar
• Externe Prüfungs- und Beratungsgebühren: 1,6 Millionen US-Dollar

Aufwendungen für Marketing und Kundenakquise

Die Marketingausgaben für 2023 beliefen sich auf insgesamt 5,9 Millionen US-Dollar:

Marketingkanal	Betrag ($)
Digitales Marketing	2,360,000
Traditionelle Medienwerbung	1,770,000
Sponsoring von Gemeinschaftsveranstaltungen	890,000
Kampagnen zur Kundengewinnung	880,000

Capitol Federal Financial, Inc. (CFFN) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Hypothekendarlehen

Für das Geschäftsjahr 2023 berichtete Capitol Federal Financial 124,7 Millionen US-Dollar an den gesamten Zinserträgen aus Hypothekendarlehensaktivitäten.

Kategorie Hypothekendarlehen	Zinserträge (Mio. USD)
Hypothekendarlehen für Wohnimmobilien	98.3
Gewerbliche Hypothekendarlehen	26.4

Gebühren für den Einlagenkontoservice

Es fallen Gebühren für die Kontoführung an 18,2 Millionen US-Dollar Umsatz des Unternehmens im Jahr 2023.

• Gebühren für die Girokontoführung: 7,6 Millionen US-Dollar
• Überziehungsgebühren: 5,4 Millionen US-Dollar
• Gebühren für Geldautomatentransaktionen: 3,2 Millionen US-Dollar
• Sonstige Gebühren für den Einzahlungsservice: 2,0 Millionen US-Dollar

Provisionen für Anlageprodukte

Die Provisionen für Anlageprodukte beliefen sich auf insgesamt 9,5 Millionen US-Dollar im Jahr 2023.

Anlageprodukt	Provisionseinnahmen (Mio. USD)
Investmentfonds	4.7
Dienstleistungen für Rentenkonten	3.2
Maklerdienstleistungen	1.6

Gebühren für Online-Banking-Transaktionen

Die Gebühren für Online-Banking-Transaktionen beliefen sich auf 6,3 Millionen US-Dollar im Jahr 2023.

• Gebühren für Mobile-Banking-Transaktionen: 3,7 Millionen US-Dollar
• Gebühren für den elektronischen Geldtransfer: 2,6 Millionen US-Dollar

Kreditvergabegebühren

Die Kreditvergabegebühren trugen dazu bei 22,1 Millionen US-Dollar zum Umsatz des Unternehmens im Jahr 2023.

Darlehenstyp	Entstehungsgebühren (Mio. USD)
Vergabe von Wohnhypotheken	15.6
Kommerzielle Kreditvergabe	6.5

Capitol Federal Financial, Inc. (CFFN) - Canvas Business Model: Value Propositions

Safety in Savings: a 132-year history of stability

Safety in Savings: a 132-year history of stability

Capitol Federal Financial, Inc. has a history spanning 132 years, which translates into a reputation for stability for depositors.

Full-service commercial bank with community feel

The strategic shift emphasizes commercial banking, with the commercial loan portfolio reaching 26% of total loans as of Fiscal Year 2025, up from 19% a year prior. Total assets for Capitol Federal Financial, Inc. closed Fiscal Year 2025 at $9.78 billion. Net income for Fiscal Year 2025 was $68.0 million. Commercial loan originations for Fiscal Year 2025 totaled $901.9M.

The commercial deposit base grew by $190.2 million, representing a 59.8% increase from September 30, 2024. The institution serves metropolitan areas within Kansas.

Metric	Value as of Late 2025	Comparison Point
Total Assets	$9.78 billion	FY2025 End
Commercial Loans as % of Total Loans	26%	Up from 19% one year ago
FY2025 Commercial Loan Growth	$607.0 million (or 40.2%)	FY2025
FY2025 Net Income	$68.0 million	FY2025

Personalized customer service and relationship managers

Management focuses on pairing growing and established companies and small businesses with experienced relationship managers. These managers offer customized services and access to digital platforms.

Competitive interest rates on loans and deposits

The Net Interest Margin (NIM) for the fourth quarter of Fiscal Year 2025 was 2.09%. The NIM for the full Fiscal Year 2025 was 1.96%, an increase of 19 basis points from the prior year. The High-Yield Savings Annual Percentage Yield (APY) was reported at 4.00% as of September 30, 2025.

The institution is emphasizing high-yield savings products to manage the cost of funds.

Rate/Yield Metric	Amount
High-Yield Savings APY (9/30/25)	4.00%
Net Interest Margin (Q4 FY2025)	2.09%
Net Interest Margin (FY2025)	1.96%
NIM Increase (Y/Y FY2025)	19 basis points

Treasury management and fraud protection for businesses

Capitol Federal Savings Bank is offering a full suite of treasury management products to service new and existing relationships. The bank is planning new Treasury Management (TM) products and Small/Medium Business (SMB) digital onboarding.

• Commercial deposit growth: $190.2 million from September 30, 2024.
• Commercial loan growth in FY2025: $607.0 million.
• Commercial loan growth percentage in FY2025: 40.2%.

Capitol Federal Financial, Inc. (CFFN) - Canvas Business Model: Customer Relationships

Capitol Federal Financial, Inc. is actively working to transition from a retail-oriented financial institution to one with an increasing focus on commercial customers. This strategic shift is supported by reorganizing lending operations to allow lending professionals to grow existing and develop new commercial relationships.

The commitment to commercial clients is evident in the balance sheet changes following the Capital City Bank acquisition, where the commercial loan portfolio grew from $319.1 million to $2.12 billion.

Metric	Prior Period (Pre-Acquisition/Start)	Latest Data (As of Q4 FY2025)
Commercial Loan Portfolio	$319.1 million	$2.12 billion
Non-Retail Deposits	$194.8 million	$508.2 million
Total Assets	(Implied lower than $9.78B)	$9.78 billion

For retail clients, Capitol Federal Financial maintains a network of 46 branches across Kansas and Missouri, supporting long-term, trust-based relationships. The bank continues to focus on retaining and growing deposits through its high-yield savings account product. As of March 31, 2025, this eSavings account offered an Annual Percentage Yield (APY) of 4.30% for accounts meeting the $10 thousand balance minimum.

Self-service capabilities are supported by the new core operating system and digital banking systems completed in August 2023, which enhance customer experiences. Customers use these platforms for services including mobile, telephone, and online banking, as well as bill payment services.

Community-focused engagement is channeled through the Capitol Federal Foundation. The Foundation funded grants totaling $3.0 million during fiscal year 2024. At September 30, 2024, the Foundation held total assets of approximately $87.5 million.

Advisory services are expanding, particularly with the introduction of treasury management services designed to grow deposits outside historical retail channels and generate non-interest income. The bank has made selective additions to staff to facilitate this growth in business lines.

• Retail banking services include a full range of deposit products.
• Loan products include one- to four-family residential real estate.
• Commercial services include commercial real estate and commercial and industrial loans.
• The company reported total assets of $9.78 billion at the close of fiscal year 2025.
• Fiscal year 2025 net income reached $68.0 million.

The company's efficiency ratio for the quarter ended March 31, 2025, was 60.54%.

Capitol Federal Financial, Inc. (CFFN) - Canvas Business Model: Channels

You're looking at how Capitol Federal Financial, Inc. gets its products and services to its customers as of late 2025. It's a mix of traditional brick-and-mortar presence and a push into digital access, all supporting a core lending business.

The physical footprint remains a key channel. Capitol Federal Savings Bank maintains a network of 46 physical bank branches. Two of these are in-store branches. These locations primarily serve metropolitan areas across Kansas, including Topeka, Wichita, Lawrence, Manhattan, Emporia, and Salina, plus a section of the greater Kansas City area.

For the technology-driven side, Capitol Federal Financial, Inc. offers mobile, telephone, and online banking services, including bill payment. Management has been actively leveraging technology to focus on digital growth. This focus appears to be helping with deposit gathering; for the quarter ending in Q3 of fiscal year 2025, the high-yield savings account offering added $123.9 million in deposits. The total deposit base grew to $6.43 billion by that time.

The commercial side relies heavily on direct interaction through specialized teams. The strategic shift towards commercial lending is evident in the loan portfolio changes. For the fiscal year ended September 30, 2025, the commercial loan portfolio grew from $319.1 million to $2.12 billion since the Capital City Bank acquisition. Furthermore, the bank closed on $901.9 million in commercial loans during fiscal year 2025, a substantial increase from $350.6 million the prior year. These efforts are supported by commercial loan officers and business development teams located across key markets. The company has a total of 659 employees.

The residential mortgage channel also uses direct sales forces, though correspondent lending has been paused. The Bank suspended its one- to four-family correspondent lending channels during fiscal year 2024 for the foreseeable future. The residential mortgage product is still a primary focus, making up nearly three-quarters of the total loan portfolio, which stood at $8.02 billion at the end of Q3 FY2025.

Beyond the main channels, Capitol Federal Financial, Inc. supports its customer base with other access points. These include telephone banking services and ATM access points associated with the branch network.

Here's a quick look at some key metrics related to the channels and the business supporting them as of late 2025:

Channel/Metric Component	Data Point	Reporting Period/Context
Physical Bank Branches	46	As of late 2025
Total Employees	659	As of late 2025
Total Deposits	$6.43 billion	As of Q3 FY2025
Commercial Loan Portfolio (Post-Acquisition)	$2.12 billion	As of FY2025 year-end
FY2025 Commercial Loans Closed	$901.9 million	Fiscal Year Ended September 30, 2025
Residential Loans (% of Total Portfolio)	74.8%	As of Q3 FY2025

The direct sales approach for commercial business is supported by dedicated personnel, as evidenced by the public listing of roles such as:

• Vice President, Sr. Commercial Loan Officer, with 25 years of experience.
• Director of Business Development contact information listed for the Kansas City area.
• Commercial Lending Director contact information listed.

The company continues to offer services through its established infrastructure, which includes:

• Access to telephone banking services.
• Provision of bill payment services.
• A strategic focus on growing the commercial loan portfolio by redeploying funds from repaid correspondent loans.

Finance: draft 13-week cash view by Friday.

Capitol Federal Financial, Inc. (CFFN) - Canvas Business Model: Customer Segments

You're looking at the core groups Capitol Federal Financial, Inc. serves, based on their late 2025 operational snapshot. It's all about where the money is coming from and who is getting the loans.

Individuals seeking residential mortgages and savings accounts form a primary base. The loan book clearly shows this focus, with the majority of lending dedicated to this area. As of the end of the third quarter of the 2025 fiscal year, the firm had about $6.02 billion, representing 74.8% of its total loan portfolio, tied up in 1-4 family residential real estate assets. Capitol Federal Savings Bank is recognized as one of the largest residential lenders in the State of Kansas, so you know their footprint there is deep.

The segment of established and growing small to mid-sized commercial entities is definitely a growth area for Capitol Federal Financial, Inc. Management has been actively shifting the loan portfolio mix here. By the close of fiscal year 2025, the commercial loan portfolio had grown by $607.0 million, which is a 40.2% increase for the year. This strategic redeployment of funds is key to their near-term outlook.

For deposits, the focus remains tight on the local market. Capitol Federal Financial, Inc. targets retail depositors in Kansas and Missouri metropolitan areas. The Bank maintains 46 branch locations across Kansas and Missouri to service these customers. Deposits have been growing, reaching $6.43 billion at the end of the third quarter of the 2025 fiscal year, partly driven by offerings like their high-yield savings account, which added $123.9 million in deposits for that quarter alone.

While the core is residential and local commercial, there are services for high-net-worth individuals for wealth management. Capitol Federal Savings Bank offers trust management services for families, showing they cater beyond just standard deposit and loan products. This diversification helps stabilize revenue streams.

Finally, we look at the equity holders, the stockholders receiving cash dividends of $0.34 per share in FY 2025. This is a concrete return metric for that segment of stakeholders. It's important to note that the annualized dividend payment of $0.34 per share resulted in a current dividend yield of about 5.3%, which is quite strong compared to the Financial Services sector average of 2.81%.

Here's a quick look at the scale of the business supporting these segments as of the end of fiscal year 2025:

Financial Metric	Amount/Value	Context/Date
Total Assets	$9.78 billion	Fiscal Year 2025 Close
Total Loans	$8.02 billion	Q3 Fiscal Year 2025
Residential Loans (1-4 Family)	$6.02 billion	Q3 Fiscal Year 2025 (74.8% of total loans)
Commercial Loan Growth (FY 2025)	$607.0 million	FY 2025 Increase
Net Income	$68.0 million	Fiscal Year 2025
Quarterly Dividend Declared	$0.085 per share	October 2025 Announcement

The strategic focus on commercial growth is clear when you see the deposit side responding, too. The commercial deposit base grew by $190.2 million, or nearly 59.8%, from September 30, 2024, to the end of FY 2025. This suggests Capitol Federal Financial, Inc. is successfully pairing commercial lending with commercial deposit gathering. You can see the customer base is segmented by need:

• Individuals needing mortgages and savings products.
• Small to mid-sized businesses seeking commercial loans.
• Retail depositors concentrated in Kansas and Missouri.
• Stockholders expecting consistent cash returns.
• Clients requiring trust management services.

The efficiency ratio for the full fiscal year 2025 was 58.33%, which is a substantial improvement from 66.91% the prior year, showing better operational alignment with these customer groups. If onboarding takes 14+ days, churn risk rises, especially for those high-yield deposit customers.

Capitol Federal Financial, Inc. (CFFN) - Canvas Business Model: Cost Structure

You're looking at the major drains on Capitol Federal Financial, Inc. (CFFN)'s bottom line as of late 2025. For a regional bank, the cost structure is dominated by the cost of money and the cost of running the physical and digital infrastructure.

The core of the cost structure revolves around funding its assets. This means paying interest on the money it takes in from customers and from wholesale markets. For the quarter ending December 31, 2024 (the first quarter of fiscal year 2025), the total interest expense stood at $55.4 million, which was a decrease from the $56.0 million reported in the preceding quarter, reflecting lower borrowing costs and deposit interest rates at that time.

Personnel costs are substantial, supporting the operations for the company. Capitol Federal Financial, Inc. has 659 employees on staff. The salaries and benefits component of non-interest expense saw fluctuations, for instance, in Q1 FY2025 due to the accrual of incentive compensation related to the short-term performance plan.

Maintaining the physical footprint is another significant fixed cost. This involves the operational costs for the 46-branch network maintenance across its service areas. The physical presence is key to its traditional banking model, even as digital adoption grows.

Technology and digital transformation investments are ongoing necessities in the banking sector. For the quarter ended March 31, 2025, the increase in information technology and related expense was specifically attributed to higher software licensing expense and professional services. Specific full-year investment amounts aren't explicitly broken out in the latest reports, but this category is a growing component of operating costs.

The overall efficiency of managing these costs is tracked closely. Capitol Federal Financial, Inc. reports an efficiency ratio of 58.33% for FY 2025, as you noted. To be fair, the latest reported quarterly efficiency ratio for the quarter ending September 30, 2025, was actually 56.84%, which is an improvement from the prior quarter's 58.26%. The efficiency ratio measures total non-interest expense as a percentage of net interest income (pre-provision for credit losses) plus non-interest income; a lower number is better.

Here's a look at the components of non-interest expenses based on the most recent quarterly filings available:

Cost Component Category	Period/Basis	Amount (in millions USD)
Total Interest Expense (Funding Cost)	Quarter Ended Dec 31, 2024 (Q1 FY2025)	$55.4
Total Non-Interest Expense	Quarter Ended Dec 31, 2024 (Q1 FY2025)	$27.148
Total Non-Interest Expense	Quarter Ended Mar 31, 2025 (Q2 FY2025)	$29.540
Regulatory and Outside Services (Q1 FY2025 vs Prior Qtr)	Change	(20.4)% decrease
Advertising and Promotional (Q2 FY2025 vs Prior Qtr)	Change	(7.5)% decrease
Deposit and Loan Transaction Costs (Q2 FY2025 vs Prior Qtr)	Change	48.7% increase

You can see how non-interest expenses shift quarter-to-quarter based on timing of services and transaction volumes. For instance, the increase in deposit and loan transaction costs in Q2 FY2025 was due to calendar year-end statement processing.

The key cost drivers that management monitors closely include:

• Interest expense on deposits and borrowings, directly tied to market rates.
• Salaries and benefits for the 659 full-time staff.
• Maintaining the 46-branch physical footprint.
• Investments in information technology and software licensing.
• Other non-interest expenses, which can spike due to items like customer fraud losses or OREO (other real estate owned) property costs.

Finance: draft a 13-week cash flow view by Friday, focusing on projected interest expense based on current deposit betas.

Capitol Federal Financial, Inc. (CFFN) - Canvas Business Model: Revenue Streams

You're looking at how Capitol Federal Financial, Inc. actually brings in the money, which is pretty standard for a regional bank but with some clear strategic shifts happening in late 2025. The core of the business, as always, is making more on the money it lends out than it pays for deposits and borrowings. This is the net interest income you see driving the results.

For the full fiscal year 2025, Capitol Federal Financial, Inc. reported a total revenue of $200.29 million, which was a nice jump up from the $166.05 million seen the year before. This overall growth reflects management's strategic operational changes. The company closed fiscal year 2025 with total assets hitting $9.78 billion.

The primary driver is the net interest income from loans and securities. To give you a snapshot of the quarterly performance leading up to the year-end, the net interest income for the fourth quarter ended September 30, 2025, was $48.78 million. This is the spread between what they earn on assets and what they pay on liabilities.

Interest earned on the loan book is a huge piece of this. While I don't have the exact $8.02 billion loan balance you mentioned for Q3 2025, we can see the portfolio is actively shifting. For instance, the interest income on loans receivable increased in Q3 FY2025 due mainly to a higher average balance in the commercial loan portfolio as it continued to shift away from one- to four-family loans. The bank also had $146.2 million of commercial real estate loan commitments expected to fund in the quarter following June 30, 2025.

Beyond the core lending spread, non-interest income provides a smaller, but still important, revenue stream. For the first quarter of fiscal year 2025, non-interest income from account fees and service charges was reported at $4.7 million.

The investment portfolio also contributes. The interest and dividend income from investment securities is a component that has seen changes due to recent strategic moves. For the first quarter of fiscal year 2025, the total interest and dividend income reached $97.6 million.

Here's a quick look at some of the key revenue and related metrics for the fiscal year 2025 and recent quarters:

Revenue Component/Metric	Amount/Value	Period
Total Revenue	$200.29 million	Fiscal Year 2025
Net Income	$68.0 million	Fiscal Year 2025
Net Interest Income	$48.78 million	Q4 2025
Total Interest and Dividend Income	$97.6 million	Q1 2025
Non-Interest Income	$4.7 million	Q1 2025
Total Assets	$9.78 billion	Fiscal Year End 2025

You can also see the focus on returning capital to shareholders, which is a result of these earnings:

• Total dividends declared and paid during fiscal year 2025 were $44.3 million.
• The company paid cash dividends of $0.34 per share for the full fiscal year 2025.
• The net interest margin for the full fiscal year 2025 was 1.96%.
• The net interest margin for Q4 2025 improved to 2.09%.