Capitol Federal Financial (CFFN) Investor presentation summary

Company overview and strategy

• Over 130 years of community-focused financial services with 44 branches in Kansas and Missouri, offering a broad suite of commercial and consumer products.

• Strategic initiatives target growth in commercial lending, treasury management, digital banking, and wealth management.

• Leadership team and board bring deep industry expertise and strong local ties, supporting execution of the strategic roadmap.

Financial performance and capital management

• Assets total $9.8 billion, with $8.2 billion in loans and $6.8 billion in deposits; market capitalization is $884 million.

• Net interest margin improved from 1.21% (9/23) to 2.19% (12/25) following a major securities restructuring in October 2023.

• Tier 1 leverage and CET1 ratios remain strong, supporting ongoing capital returns.

• Over $2 billion returned to shareholders since 2010 through dividends and share repurchases.

Loan and deposit portfolio trends

• Commercial loans now represent 27.79% of total loans, up from 20.65% a year earlier, reflecting a strategic shift.

• Commercial lending extends beyond the local footprint, with property locations in multiple states.

• Deposit base is diversified, with ongoing expansion in treasury management and digital banking solutions.