Updated
The most significant concentration Capitol Federal Financial discloses is largest borrowing relationship, classified MEDIUM by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Capitol Federal Financial’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
“10-K Item 1: 'Loan commitments and loans outstanding to the Bank's largest borrowing relationship totaled $103.2 million at September 30, 2025, all of which was current according to its terms.'”
Capitol Federal Financial's disclosed concentration is narrow: loan commitments and loans outstanding to the Bank's largest single borrowing relationship totaled $103.2 million as of September 30, 2025, all of which was current according to its terms. This is a medium-sized, dependency-type exposure — a single borrower relationship large enough to be called out specifically, but one that was performing normally as of the filing date with no indication of impairment or delinquency. No other customer, geographic, or supplier concentration is disclosed, so on the available evidence this single-borrower exposure is the extent of Capitol Federal's flagged concentration risk. Because the relationship was current at the reporting date, the risk here is less about an active credit problem and more about the idiosyncratic tail risk that a single large borrower relationship represents relative to the size of the loan book — a fact worth monitoring in subsequent filings rather than one that currently signals distress.
For the engine’s reasoning on CFFN’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| CFFN● | Capitol Federal Financial, Inc. | 0 | 1 | 0 | 1 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.