Capitol Federal Financial, Inc. (CFFN): Business Model Canvas [Jan-2025 Mis à jour]

Capitol Federal Financial, Inc. (CFFN) est une institution financière dynamique qui transforme les services bancaires traditionnels via un modèle commercial stratégique à multiples facettes. Enracinée dans le cœur du Kansas et du Missouri, cette banque innovante tire parti d'une approche complète qui mélange la concentration de la communauté locale avec les technologies bancaires numériques de pointe. En créant méticuleusement des solutions financières personnalisées, CFFN s'est positionné comme un acteur unique dans le paysage bancaire compétitif, offrant des tarifs compétitifs, des plateformes numériques robustes et un engagement envers les relations clients à long terme qui le distinguent des fournisseurs de services financiers conventionnels.

Capitol Federal Financial, Inc. (CFFN) - Modèle d'entreprise: partenariats clés

Agences immobilières locales et courtiers hypothécaires

Depuis le quatrième trimestre 2023, Capitol Federal a maintenu des partenariats avec 87 agences immobilières locales à travers le Kansas et le Missouri. Le réseau de partenariat a généré 42,3 millions de dollars de créations hypothécaires au cours de l'exercice.

Type de partenaire	Nombre de partenaires	Volume d'origine hypothécaire
Agences immobilières	87	42,3 millions de dollars
Courtiers en hypothèques	53	29,7 millions de dollars

Banques communautaires et institutions financières

Capitol Federal collabore avec 24 partenaires bancaires communautaires pour les services financiers stratégiques et l'expansion du marché régional.

• Valeur totale du réseau de partenariat: 156,2 millions de dollars
• Durée du partenariat moyen: 7,3 ans
• Accords de service partagé: 18 accords actifs

Assureurs

La société maintient des partenariats stratégiques avec 12 assureurs, en se concentrant sur les produits hypothécaires et assurance immobiliers.

Catégorie d'assurance	Nombre de partenaires	Revenus collaboratifs annuels
Assurance immobilière	8	7,6 millions de dollars
Assurance hypothécaire	4	3,9 millions de dollars

Fournisseurs de services technologiques

Capitol Federal a établi des partenariats avec 9 fournisseurs de services technologiques pour soutenir l'infrastructure bancaire numérique.

• Investissement total technologique: 4,3 millions de dollars par an
• Partenariats de cybersécurité: 5 vendeurs
• Provideurs de plate-forme bancaire numérique: 4 vendeurs

Consultants en conformité réglementaire

L'institution financière travaille avec 6 cabinets de conseil spécialisés en matière de conformité réglementaire pour garantir l'adhésion aux réglementations bancaires fédérales et étatiques.

Focus de la conformité	Nombre de consultants	Dépenses de conseil en conformité annuelles
Règlements bancaires fédéraux	4	1,2 million de dollars
Conformité au niveau de l'État	2	$580,000

Capitol Federal Financial, Inc. (CFFN) - Modèle d'entreprise: activités clés

Prêts hypothécaires résidentiels

Au quatrième trimestre 2023, le portefeuille de prêts hypothécaires résidentiels de Capitol Federal était composé de:

Type hypothécaire	Volume total	Taille moyenne du prêt
Hypothèques à taux fixe conventionnel	1,2 milliard de dollars	$342,000
Prêts FHA	287 millions de dollars	$265,000

Compte d'épargne et services de dépôt

Mesures de dépôt pour 2023:

• Dépôts totaux: 5,4 milliards de dollars
• Solde moyen du compte d'épargne: 47 500 $
• Nombre de comptes de dépôt: 218 000

Gestion de la plate-forme bancaire en ligne et mobile

Statistiques de la banque numérique:

Métrique de la plate-forme	2023 données
Utilisateurs de la banque mobile	132,000
Volume de transaction en ligne	3,7 millions par mois

Gestion des risques et évaluation du crédit

Paramètres de risque de crédit:

• Ratio de prêt non performant: 0,62%
• Réserve de perte de prêt: 42,3 millions de dollars
• Cote de crédit moyen pour les nouveaux prêts: 735

Service client et avis financier

Métriques du service client:

Métrique de service	Performance de 2023
Représentants totaux du service à la clientèle	187
Score moyen de satisfaction du client	4.6/5.0
Consultations de conseil financier	24 500 par an

Capitol Federal Financial, Inc. (CFFN) - Modèle d'entreprise: Ressources clés

Solides réserves de capital

Au 31 décembre 2023, Capitol Federal Financial a maintenu:

Métrique capitale	Montant
Total des capitaux propres	1,72 milliard de dollars
Ratio de capital de niveau 1	16.47%
Ratio de capital total	16.69%

Réseau de succursale étendue

Distribution des succursales:

• Branches totales: 62 emplacements
• Régions principales: Kansas et Missouri
• Concentré dans la région métropolitaine de Kansas City

Infrastructure bancaire numérique

Service numérique	Capacité
Utilisateurs de la banque en ligne	Environ 125 000
Téléchargements d'applications bancaires mobiles	Plus de 85 000
Volume de transaction numérique	2,3 millions de transactions mensuelles

Équipe de gestion financière

Mesures clés du leadership:

• Pureur exécutif moyen: 14,5 ans
• Expérience totale exécutive: 127 années combinées dans les services financiers
• Positions en leadership: 7 cadres supérieurs

Base de données client

Segment de clientèle	Nombre
Comptes clients totaux	298,000
Clients bancaires au détail	215,000
Clients bancaires commerciaux	6,500

Capitol Federal Financial, Inc. (CFFN) - Modèle d'entreprise: propositions de valeur

Taux de prêt hypothécaire et d'épargne concurrentiel

Au quatrième trimestre 2023, Capitol Federal Financial a proposé:

Type de produit	Fourchette de taux d'intérêt	Positionnement concurrentiel
Hypothèque fixe de 30 ans	6.25% - 6.75%	En dessous de la moyenne régionale
CD à 5 ans	4.50% - 5.00%	Taux de marché concurrentiel
Compte d'épargne à haut rendement	3.75% - 4.25%	Au-dessus de la moyenne nationale

Solutions financières des clients personnalisés

Métriques du service client pour 2023:

• Temps d'interaction du client moyen: 22 minutes
• Consultations financières personnalisées: 14 567 annuels
• Outils de planification financière numérique: 37 services uniques

Approche bancaire axée sur la communauté locale

Données d'investissement communautaire pour 2023:

Catégorie d'investissement	Montant total	Nombre de projets
Prêts commerciaux locaux	127,3 millions de dollars	342 petites entreprises
Développement communautaire	8,6 millions de dollars	47 Initiatives locales

Expérience bancaire numérique sécurisée et conviviale

Métriques de performance bancaire numérique:

• Utilisateurs de la banque mobile: 186 000
• Volume de transaction numérique: 3,2 millions par mois
• Investissement en cybersécurité: 4,7 millions de dollars par an

Stabilité financière à long terme

Indicateurs de stabilité financière pour 2023:

Métrique financière	Valeur	Comparaison de l'industrie
Actif total	13,6 milliards de dollars	Top 10% des banques régionales
Ratio de capital de niveau 1	14.2%	Au-dessus des exigences réglementaires
Retour des capitaux propres	8.7%	Performance cohérente

Capitol Federal Financial, Inc. (CFFN) - Modèle d'entreprise: relations avec les clients

Gestionnaires de relations bancaires personnelles

En 2024, Capitol Federal maintient 48 gestionnaires de relations bancaires personnelles à temps plein dans ses 82 succursales au Kansas et au Missouri.

Segment de clientèle	Managers dévoués	Taille moyenne du portefeuille
Banque personnelle	32	275 clients par gestionnaire
Banque d'affaires	16	87 clients commerciaux par gestionnaire

Support bancaire en ligne et mobile 24/7

Capitol Federal fournit des services bancaires numériques avec les mesures suivantes:

• Téléchargements d'applications bancaires mobiles: 127 436
• Utilisateurs bancaires en ligne: 214 582
• Volume des transactions numériques: 3,2 millions de transactions mensuelles

Programmes d'engagement communautaire et d'éducation financière

Type de programme	Participants annuels	Investissement
Ateliers de littératie financière	1,872	$287,000
Événements de sensibilisation communautaire	42 événements	$156,500

Canaux de service à la clientèle réactifs

Métriques de performance du service client pour 2024:

• Temps de réponse du centre d'appels: 47 secondes moyennes
• Représentants du service à la clientèle: 92
• Interactions annuelles sur le service à la clientèle: 618 742

Fidélité et stratégies de fidélisation à long terme

Métrique de rétention	2024 performance
Taux de rétention de la clientèle	87.3%
Durée moyenne de la relation client	12,6 ans
Participants du programme de fidélité	62 418 clients

Capitol Federal Financial, Inc. (CFFN) - Modèle d'entreprise: canaux

Emplacements de branche physiques

En 2024, Capitol Federal maintient 62 emplacements totaux de succursales, principalement concentrés au Kansas et au Missouri.

État	Nombre de branches
Kansas	48
Missouri	14

Site Web de banque en ligne

La plateforme bancaire en ligne de Capitol Federal dessert environ 127 500 utilisateurs de banque numérique actifs.

• Site Web: www.capfed.com
• Volume de transaction numérique: 3,2 millions de transactions en ligne par trimestre
• Visiteurs de site Web mensuels moyens: 85 600

Application bancaire mobile

Statistiques des applications bancaires mobiles pour Capitol Federal en 2024:

Métrique	Valeur
Téléchargements totaux d'applications mobiles	92,400
Utilisateurs actifs mensuels	68,300
Volume de transaction bancaire mobile	2,1 millions de transactions trimestrielles

Services bancaires téléphoniques

Capitol Federal fournit des services bancaires par téléphone via un centre de service client dédié.

• Numéro de téléphone du service client: 1-888-339-2337
• Volume moyen des appels: 22 500 appels par mois
• Temps de résolution moyenne des appels: 6,3 minutes

Réseau ATM

Configuration du réseau ATM de Capitol Federal en 2024:

Type de guichet automatique	Nombre total
MAT propriétaires	72
ATM des partenaires de réseau	3,200
Points d'accès ATM total	3,272

Capitol Federal Financial, Inc. (CFFN) - Modèle d'entreprise: segments de clientèle

Propriétaires résidentiels

Au quatrième trimestre 2023, Capitol Federal dessert environ 87 342 propriétaires résidentiels à travers le Kansas et le Missouri. Le solde moyen des prêts immobiliers est de 312 750 $.

Segment de clientèle	Total des clients	Taille moyenne du prêt
Propriétaires résidentiels	87,342	$312,750

Acheteurs de maisons pour la première fois

Capitol Federal cible les nouveaux acheteurs de maisons avec des programmes de prêt spécifiques. En 2023, la banque a créé 1 245 prêts pour acheteurs de maisons.

• Âge médian pour la première fois: 34 ans
• Montant moyen du prêt immobilier moyen: 265 400 $
• Taux d'approbation du prêt pour les premiers acheteurs: 72%

Propriétaires locaux de petites entreprises

La banque fournit des services de prêt commercial à 2 387 clients de petites entreprises dans ses principaux domaines de marché.

Métriques de prêt d'entreprise	Valeur
Clients totaux de petites entreprises	2,387
Taille moyenne des prêts commerciaux	$487,600

Familles à revenu moyen

Capitol Federal dessert 65 210 clients familiaux à revenu intermédiaire avec des revenus des ménages entre 50 000 $ et 125 000 $.

• Revenu médian des ménages de la clientèle: 87 300 $
• Pourcentage de la clientèle: 47% du total des clients
• Solde moyen du compte d'épargne: 24 750 $

Les individus axés sur la retraite et les économies

La banque compte 41 623 clients axés sur la retraite avec un solde moyen du compte de retraite de 213 450 $.

Segment de clientèle de retraite	Total des clients	Solde de compte de retraite moyen
Clients axés sur la retraite	41,623	$213,450

Capitol Federal Financial, Inc. (CFFN) - Modèle d'entreprise: Structure des coûts

Dépenses de fonctionnement de la succursale

Depuis 2023 Exercice, Capitol Federal Financial a maintenu 47 emplacements de succursales totales. Les dépenses d'exploitation annuelles étaient de 42,3 millions de dollars, notamment:

Catégorie de dépenses	Montant ($)
Loyer et occupation	18,750,000
Services publics	3,620,000
Entretien	5,480,000
Coûts opérationnels du personnel de la succursale	14,450,000

Maintenance de la technologie et des infrastructures numériques

Les coûts d'infrastructure technologique pour 2023 ont totalisé 12,7 millions de dollars, notamment:

• Maintenance du système bancaire de base: 4,2 millions de dollars
• Investissements en cybersécurité: 3,5 millions de dollars
• Mises à niveau de la plate-forme bancaire numérique: 2,8 millions de dollars
• Infrastructure matérielle et logicielle informatique: 2,2 millions de dollars

Salaires et avantages sociaux des employés

Les dépenses totales du personnel pour 2023 étaient de 89,6 millions de dollars:

Composant de compensation	Montant ($)
Salaires de base	62,720,000
Bonus de performance	8,960,000
Assurance maladie	7,040,000
Prestations de retraite	6,720,000
Autres avantages	4,160,000

Coûts de conformité réglementaire

Les dépenses de conformité pour 2023 ont atteint 7,3 millions de dollars, en panne comme suit:

• Systèmes de rapports réglementaires: 2,6 millions de dollars
• Salaires du personnel de conformité: 3,1 millions de dollars
• Frais d'audit externe et de conseil: 1,6 million de dollars

Frais de marketing et d'acquisition des clients

Les dépenses de marketing pour 2023 ont totalisé 5,9 millions de dollars:

Canal de marketing	Montant ($)
Marketing numérique	2,360,000
Publicité médiatique traditionnelle	1,770,000
Commanditaires des événements communautaires	890,000
Campagnes d'acquisition de clients	880,000

Capitol Federal Financial, Inc. (CFFN) - Modèle d'entreprise: Strots de revenus

Revenu d'intérêt pour prêts hypothécaires

Pour l'exercice 2023, Capitol Federal Financial a rapporté 124,7 millions de dollars dans le total des revenus d'intérêts des activités de prêt hypothécaire.

Catégorie de prêt hypothécaire	Revenu des intérêts ($ m)
Prêts hypothécaires résidentiels	98.3
Prêts hypothécaires commerciaux	26.4

Frais de service de compte de dépôt

Frais de service du compte de dépôt générés 18,2 millions de dollars en revenus pour la société en 2023.

• Frais de maintenance des comptes chèques: 7,6 millions de dollars
• Frais de découvert: 5,4 millions de dollars
• Frais de transaction ATM: 3,2 millions de dollars
• Autres frais de service de dépôt: 2,0 millions de dollars

Commissions de produits d'investissement

Les commissions de produits d'investissement ont totalisé 9,5 millions de dollars en 2023.

Produit d'investissement	Revenus de commission ($ m)
Fonds communs de placement	4.7
Services de compte de retraite	3.2
Services de courtage	1.6

Frais de transaction bancaire en ligne

Les frais de transaction bancaire en ligne montaient à 6,3 millions de dollars en 2023.

• Frais de transaction bancaire mobile: 3,7 millions de dollars
• Frais de transfert de fonds électroniques: 2,6 millions de dollars

Frais de création de prêt

Frais d'origine des prêts apportés 22,1 millions de dollars aux revenus de l'entreprise en 2023.

Type de prêt	Frais d'origine ($ m)
Originations hypothécaires résidentielles	15.6
Originations de prêt commercial	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%.