Capitol Federal Financial, Inc.

Kansas-based savings bank holding company focused on home mortgages and deposits

What Capitol Federal Financial does

Capitol Federal Financial owns Capitol Federal Savings Bank, a retail bank founded in 1893 and based in Topeka, Kansas. It takes deposits through savings, checking, money market, certificate of deposit and retirement accounts. It lends that money out, mostly as home mortgages, and also makes commercial and consumer loans.

How Capitol Federal Financial makes money

It mainly earns net interest income, which is the gap between the interest it collects on residential mortgages, other loans and mortgage-backed securities and the interest it pays depositors. Banking service fees add some extra revenue.

Products & services

• One- to four-family residential mortgage loans
• Savings, checking and money market accounts
• Certificates of deposit and retirement accounts
• Commercial real estate and commercial & industrial loans
• Home equity loans and lines of credit
• Mobile, online and telephone banking with bill pay