Capitol Federal Financial (NASDAQ:CFFN), Inc. is a publicly traded savings and loan holding company headquartered in Kansas City, Missouri. Through its primary subsidiary, Capitol Federal Savings Bank, the company offers a comprehensive range of consumer and commercial banking products. Its core business activities include originating and servicing residential mortgage loans, providing deposit and savings account solutions, and delivering tailored wealth management services to individual clients and small businesses across the Midwest.
The company’s mortgage operations encompass traditional fixed-rate home loans, adjustable-rate mortgages, home equity lines of credit, and construction financing. Deposit offerings include checking and savings accounts, money market accounts, and certificates of deposit. In addition, Capitol Federal Financial provides commercial real estate lending and small business banking services, supported by a network of branch offices and digital channels designed to streamline customer experience and accessibility.
Founded in 1893 as Capitol Building and Loan Association, the institution has evolved from a mutual savings association into a stock-chartered holding company. Over more than a century of operations, it has expanded its geographic footprint beyond Missouri and Kansas into surrounding states, including Colorado and Texas, while maintaining a strong community banking ethos. The company has navigated periods of regulatory change and economic cycles by emphasizing conservative lending practices and robust capital management.
Under the leadership of President and Chief Executive Officer Bradley J. Fick and a senior management team with extensive banking experience, Capitol Federal Financial continues to focus on mortgage growth, digital innovation, and customer service excellence. The board and executive officers prioritize risk management and community engagement, supporting local development initiatives and fostering long-term relationships with clients through personalized financial solutions.
