Capitol Federal Financial, Inc. (CFFN): Modelo de negócios Canvas [Jan-2025 Atualizado]

O Capitol Federal Financial, Inc. (CFFN) é uma instituição financeira dinâmica que transforma o banco tradicional por meio de um modelo de negócios estratégico e multifacetado. Enraizada no coração do Kansas e do Missouri, este inovador banco alavanca uma abordagem abrangente que combina o foco da comunidade local com as tecnologias bancárias digitais de ponta. Ao criar meticulosamente soluções financeiras personalizadas, a CFFN se posicionou como um participante único no cenário bancário competitivo, oferecendo taxas competitivas, plataformas digitais robustas e um compromisso com os relacionamentos de clientes de longo prazo que o diferenciam dos prestadores de serviços financeiros convencionais.

Capitol Federal Financial, Inc. (CFFN) - Modelo de negócios: Parcerias -chave

Agências imobiliárias locais e corretores hipotecários

No quarto trimestre 2023, o Capitol Federal manteve parcerias com 87 agências imobiliárias locais em Kansas e Missouri. A rede de parceria gerou US $ 42,3 milhões em origens hipotecárias durante o ano fiscal.

Tipo de parceiro	Número de parceiros	Volume de originação hipotecária
Agências imobiliárias	87	US $ 42,3 milhões
Corretores hipotecários	53	US $ 29,7 milhões

Bancos comunitários e instituições financeiras

O Capitol Federal colabora com 24 parceiros bancários comunitários para serviços financeiros estratégicos e expansão do mercado regional.

• Valor da rede total de parcerias: US $ 156,2 milhões
• Duração média da parceria: 7,3 anos
• Acordos de serviço compartilhados: 18 acordos ativos

Provedores de seguros

A empresa mantém parcerias estratégicas com 12 provedores de seguros, com foco em produtos de seguro de hipoteca e propriedade.

Categoria de seguro	Número de parceiros	Receita colaborativa anual
Seguro de propriedade	8	US $ 7,6 milhões
Seguro hipotecário	4	US $ 3,9 milhões

Fornecedores de serviços de tecnologia

O Capitol Federal estabeleceu parcerias com 9 fornecedores de serviços de tecnologia para apoiar a infraestrutura bancária digital.

• Investimento em tecnologia total: US $ 4,3 milhões anualmente
• Parcerias de segurança cibernética: 5 fornecedores
• Provedores de plataformas bancárias digitais: 4 fornecedores

Consultores de conformidade regulatória

A instituição financeira trabalha com 6 empresas especializadas em consultoria de conformidade regulatória para garantir a adesão aos regulamentos bancários federais e estaduais.

Foco de conformidade	Número de consultores	Despesas anuais de consultoria de conformidade
Regulamentos bancários federais	4	US $ 1,2 milhão
Conformidade em nível estadual	2	$580,000

Capitol Federal Financial, Inc. (CFFN) - Modelo de negócios: Atividades -chave

Empréstimo de hipoteca residencial

A partir do quarto trimestre 2023, o portfólio de empréstimos de hipotecas residenciais da Capitol Federal consistia em:

Tipo de hipoteca	Volume total	Tamanho médio do empréstimo
Hipotecas de taxa fixa convencionais	US $ 1,2 bilhão	$342,000
FHA empréstimos	US $ 287 milhões	$265,000

Conta de poupança e serviços de depósito

Métricas de depósito para 2023:

• Total de depósitos: US $ 5,4 bilhões
• Saldo médio da conta de poupança: US $ 47.500
• Número de contas de depósito: 218.000

Gerenciamento de plataforma bancário online e móvel

Estatísticas bancárias digitais:

Métrica da plataforma	2023 dados
Usuários bancários móveis	132,000
Volume de transações online	3,7 milhões mensais

Gerenciamento de riscos e avaliação de crédito

Parâmetros de risco de crédito:

• Taxa de empréstimo sem desempenho: 0,62%
• Reserva de perda de empréstimo: US $ 42,3 milhões
• Pontuação de crédito médio para novos empréstimos: 735

Atendimento ao cliente e consultoria financeira

Métricas de atendimento ao cliente:

Métrica de serviço	2023 desempenho
Representantes de atendimento ao cliente total	187
Pontuação média de satisfação do cliente	4.6/5.0
Consultas de consultoria financeira	24.500 anualmente

Capitol Federal Financial, Inc. (CFFN) - Modelo de negócios: Recursos -chave

Fortes reservas de capital

Em 31 de dezembro de 2023, o Capitol Federal Financial manteve:

Métrica de capital	Quantia
Patrimônio total	US $ 1,72 bilhão
Índice de capital de camada 1	16.47%
Índice de capital total	16.69%

Extensa rede de filiais

Distribuição de ramificação:

• Total de ramos: 62 locais
• Regiões primárias: Kansas e Missouri
• Concentrado na área metropolitana de Kansas City

Infraestrutura bancária digital

Serviço digital	Capacidade
Usuários bancários online	Aproximadamente 125.000
Downloads de aplicativos bancários móveis	Mais de 85.000
Volume de transação digital	2,3 milhões de transações mensais

Equipe de gestão financeira

Métricas -chave de liderança:

• PRODIÇÃO EXECUTIVO Média: 14,5 anos
• Experiência executiva total: 127 anos combinados em serviços financeiros
• Posições de liderança: 7 executivos seniores

Banco de dados do cliente

Segmento de clientes	Número
Total de contas de clientes	298,000
Clientes bancários de varejo	215,000
Clientes bancários comerciais	6,500

Capitol Federal Financial, Inc. (CFFN) - Modelo de negócios: proposições de valor

Taxas de hipoteca e poupança competitivas

A partir do quarto trimestre 2023, o Capitol Federal Financial ofereceu:

Tipo de produto	Intervalo de taxa de juros	Posicionamento competitivo
Hipoteca fixa de 30 anos	6.25% - 6.75%	Abaixo da média regional
CD de 5 anos	4.50% - 5.00%	Taxa de mercado competitiva
Conta poupança de alto rendimento	3.75% - 4.25%	Acima da média nacional

Soluções financeiras personalizadas do cliente

Métricas de atendimento ao cliente para 2023:

• Tempo médio de interação do cliente: 22 minutos
• Consultas financeiras personalizadas: 14.567 anual
• Ferramentas de planejamento financeiro digital: 37 serviços exclusivos

Abordagem bancária focada na comunidade local

Dados de investimento comunitário para 2023:

Categoria de investimento	Montante total	Número de projetos
Empréstimos comerciais locais	US $ 127,3 milhões	342 pequenas empresas
Desenvolvimento comunitário	US $ 8,6 milhões	47 Iniciativas locais

Experiência de banco digital seguro e fácil de usar

Métricas de desempenho bancário digital:

• Usuários bancários móveis: 186.000
• Volume de transação digital: 3,2 milhões mensais
• Investimento de segurança cibernética: US $ 4,7 milhões anualmente

Estabilidade financeira de longo prazo e confiabilidade

Indicadores de estabilidade financeira para 2023:

Métrica financeira	Valor	Comparação do setor
Total de ativos	US $ 13,6 bilhões	10% dos 10% bancos regionais
Índice de capital de camada 1	14.2%	Requisitos regulatórios acima
Retorno sobre o patrimônio	8.7%	Desempenho consistente

Capitol Federal Financial, Inc. (CFFN) - Modelo de Negócios: Relacionamentos do Cliente

Gerentes de relacionamento bancário pessoal

A partir de 2024, o Capitol Federal mantém 48 gerentes de relacionamento bancário pessoal em período integral em seus 82 filiais no Kansas e no Missouri.

Segmento de clientes	Gerentes dedicados	Tamanho médio do portfólio
Bancos pessoais	32	275 clientes por gerente
Banking de negócios	16	87 clientes comerciais por gerente

Suporte bancário online e móvel 24/7

O Capitol Federal fornece serviços bancários digitais com as seguintes métricas:

• Downloads de aplicativos bancários móveis: 127.436
• Usuários bancários online: 214.582
• Volume de transação digital: 3,2 milhões de transações mensais

Programas de engajamento e educação financeira da comunidade

Tipo de programa	Participantes anuais	Investimento
Workshops de alfabetização financeira	1,872	$287,000
Eventos de divulgação da comunidade	42 eventos	$156,500

Canais de atendimento ao cliente responsivos

Métricas de desempenho de atendimento ao cliente para 2024:

• Tempo de resposta de call center: 47 segundos média
• Representantes de atendimento ao cliente: 92
• Interações anuais de atendimento ao cliente: 618.742

Estratégias de lealdade e retenção de clientes de longo prazo

Métrica de retenção	2024 Performance
Taxa de retenção de clientes	87.3%
Duração média do relacionamento do cliente	12,6 anos
Participantes do Programa de Fidelidade	62.418 clientes

Capitol Federal Financial, Inc. (CFFN) - Modelo de Negócios: Canais

Locais de ramificação física

A partir de 2024, o Capitol Federal mantém 62 locais totais de filiais, concentrados principalmente no Kansas e no Missouri.

Estado	Número de ramificações
Kansas	48
Missouri	14

Site bancário online

A plataforma bancária on -line da Capitol Federal serve aproximadamente 127.500 usuários de banco digital ativo.

• Site: www.capfed.com
• Volume de transação digital: 3,2 milhões de transações on -line por trimestre
• Visitantes médios mensais do site: 85.600

Aplicativo bancário móvel

Mobile Banking App Statistics for Capitol Federal em 2024:

Métrica	Valor
Downloads de aplicativos móveis totais	92,400
Usuários ativos mensais	68,300
Volume de transação bancária móvel	2,1 milhões de transações trimestrais

Serviços bancários telefônicos

O Capitol Federal fornece bancos telefônicos por meio de um centro de atendimento ao cliente dedicado.

• Número de telefone do atendimento ao cliente: 1-888-339-2337
• Volume médio de chamada: 22.500 ligações por mês
• Tempo médio de resolução de chamadas: 6,3 minutos

Rede ATM

Configuração da rede ATM da Capitol Federal em 2024:

Tipo de atm	Número total
Caixas eletrônicos proprietários	72
ATMs de parceiros de rede	3,200
Pontos de acesso a caixas eletrônicos totais	3,272

Capitol Federal Financial, Inc. (CFFN) - Modelo de negócios: segmentos de clientes

Proprietários residenciais

A partir do quarto trimestre de 2023, o Capitol Federal atende aproximadamente 87.342 proprietários residenciais em Kansas e Missouri. O saldo médio do empréstimo à habitação é de US $ 312.750.

Segmento de clientes	Total de clientes	Tamanho médio do empréstimo
Proprietários residenciais	87,342	$312,750

Primeiros compradores de casas

O Capitol Federal tem como alvo os compradores iniciantes com programas de empréstimos específicos. Em 2023, o Banco originou 1.245 empréstimos iniciantes pela primeira vez.

• Idade mediana da primeira viagem: 34 anos
• Valor médio de empréstimo pela primeira vez: US $ 265.400
• Taxa de aprovação de empréstimo para compradores iniciantes: 72%

Proprietários de pequenas empresas locais

O banco fornece serviços de empréstimos comerciais para 2.387 clientes de pequenas empresas em suas principais áreas de mercado.

Métricas de empréstimos para negócios	Valor
Total de pequenas empresas clientes	2,387
Tamanho médio de empréstimo comercial	$487,600

Famílias de renda média

O Capitol Federal atende 65.210 clientes familiares de renda média com renda familiar entre US $ 50.000 e US $ 125.000.

• Renda familiar média da base de clientes: US $ 87.300
• Porcentagem da base de clientes: 47% do total de clientes
• Saldo médio da conta de poupança: US $ 24.750

Aposentadoria e indivíduos focados em poupança

O banco possui 41.623 clientes focados na aposentadoria, com um saldo médio da conta de aposentadoria de US $ 213.450.

Segmento de clientes de aposentadoria	Total de clientes	Saldo médio da conta de aposentadoria
Clientes focados na aposentadoria	41,623	$213,450

Capitol Federal Financial, Inc. (CFFN) - Modelo de negócios: estrutura de custos

Despesas de operação de ramificação

A partir de 2023, o ano fiscal, o Capitol Federal Financial manteve 47 locais totais de filiais. As despesas operacionais anuais da filial foram de US $ 42,3 milhões, que incluíram:

Categoria de despesa	Valor ($)
Aluguel e ocupação	18,750,000
Utilitários	3,620,000
Manutenção	5,480,000
Custos operacionais da equipe da filial	14,450,000

Manutenção de tecnologia e infraestrutura digital

Os custos de infraestrutura de tecnologia para 2023 totalizaram US $ 12,7 milhões, incluindo:

• Manutenção do sistema bancário principal: US $ 4,2 milhões
• Investimentos de segurança cibernética: US $ 3,5 milhões
• Atualizações da plataforma bancária digital: US $ 2,8 milhões
• Infraestrutura de hardware e software de TI: US $ 2,2 milhões

Salários e benefícios dos funcionários

O total de despesas de pessoal para 2023 foi de US $ 89,6 milhões:

Componente de compensação	Valor ($)
Salários da base	62,720,000
Bônus de desempenho	8,960,000
Seguro de saúde	7,040,000
Benefícios de aposentadoria	6,720,000
Outros benefícios	4,160,000

Custos de conformidade regulatória

As despesas de conformidade em 2023 atingiram US $ 7,3 milhões, divididas da seguinte forma:

• Sistemas de relatórios regulatórios: US $ 2,6 milhões
• Salários da equipe de conformidade: US $ 3,1 milhões
• Taxas externas de auditoria e consultoria: US $ 1,6 milhão

Despesas de marketing e aquisição de clientes

As despesas de marketing para 2023 totalizaram US $ 5,9 milhões:

Canal de marketing	Valor ($)
Marketing digital	2,360,000
Publicidade tradicional da mídia	1,770,000
Patrocínio de eventos da comunidade	890,000
Campanhas de aquisição de clientes	880,000

Capitol Federal Financial, Inc. (CFFN) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos hipotecários

Para o ano fiscal de 2023, relatou o Capitol Federal Financial US $ 124,7 milhões na receita total de juros das atividades de empréstimos hipotecários.

Categoria de empréstimo hipotecário	Receita de juros ($ m)
Empréstimos hipotecários residenciais	98.3
Empréstimos hipotecários comerciais	26.4

Taxas de serviço da conta de depósito

Taxas de serviço da conta de depósito geradas US $ 18,2 milhões em receita da empresa em 2023.

• Taxas de manutenção da conta da verificação: US $ 7,6 milhões
• Taxas de cheque especial: US $ 5,4 milhões
• Taxas de transação ATM: US $ 3,2 milhões
• Outros cobranças de serviço de depósito: US $ 2,0 milhões

Comissões de produtos de investimento

Comissões de produtos de investimento totalizaram US $ 9,5 milhões em 2023.

Produto de investimento	Receita da Comissão ($ M)
Fundos mútuos	4.7
Serviços de conta de aposentadoria	3.2
Serviços de corretagem	1.6

Taxas de transação bancária online

As taxas de transação bancária online totalizaram US $ 6,3 milhões em 2023.

• Taxas de transação bancária móvel: US $ 3,7 milhões
• Taxas eletrônicas de transferência de fundos: US $ 2,6 milhões

Encargos de originação de empréstimos

As acusações de originação de empréstimos contribuíram US $ 22,1 milhões para a receita da empresa em 2023.

Tipo de empréstimo	Cobranças de origem ($ m)
Origenas de hipotecas residenciais	15.6
Origenas de empréstimos comerciais	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%.