UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ________________________ Form 10-Q ________________________ (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __ to __ Commission File Number: 001-34814 Capitol Federal Financial, Inc. (Exact name of registrant as speci ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ________________________ Form 10-Q ________________________ (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __ to __ Commission File Number: 001-34814 Capitol Federal Financial, Inc. (Exact name of registrant as spec ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ________________________ Form 10-Q ________________________ (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended December 31, 2021 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __ to __ Commission File Number: 001-34814 Capitol Federal Financial, Inc. (Exact name of registrant as s ...

Financial Performance - Net income for fiscal year 2021 increased by $11.5 million, or 17.9%, compared to the prior year, primarily due to a negative provision for credit losses of $8.5 million in the current year [123]. - The company reported net income of $76.1 million, or $0.56 per share, for fiscal year 2021, compared to $64.5 million, or $0.47 per share, for fiscal year 2020, reflecting an increase in net income [220]. - Net income increased by 17.9% to $76.08 million, up from $64.54 million, due to higher pretax income [236]. - Non-interest income increased by 43.3% to $28.09 million, driven by a $7.39 million gain on the sale of Visa Class B shares and higher deposit service fees [231]. Interest Income and Margin - The net interest margin decreased to 1.90% from 2.12% in the prior year, attributed to lower asset yields in a low interest rate environment [124]. - Net interest income decreased by $14.3 million, or 7.6%, to $175.0 million for the current year, primarily due to a decrease in asset yields [220]. - The total interest and dividend income fell to $258.2 million, down $46.8 million or 15.3% from $305.0 million in the previous year [221]. - Interest income from loans receivable decreased by $40.6 million, or 15.0%, primarily due to a decrease in the weighted average yield [221]. Loan and Deposit Activity - The loan portfolio decreased by $121.7 million, or 1.7%, while the securities portfolio increased by $453.7 million, or 29.1% during the current year [125]. - Deposit growth was $406.0 million, or 6.6%, while borrowings decreased by $206.5 million, or 11.5% [125]. - Total loans receivable amounted to $7,096,073 thousand with a yield of 3.23% [159]. - The total amount of one- to four-family loans was $6.133 billion, with 7,287 loans 30 to 89 days delinquent [177]. Credit Losses and Allowance - The allowance for credit losses (ACL) was $19.8 million at September 30, 2021, down from $26.8 million at October 1, 2020, reflecting improved economic conditions [136]. - The allowance for credit losses (ACL) at the end of the period was $19,823 thousand, a decrease from $31,527 thousand in the previous year, reflecting a reduction of 37.3% [185]. - The provision for credit losses for the current year was $(6,465) thousand, significantly lower than the previous year's provision of $22,300 thousand [185]. - The total ACL to loans receivable ratio at the end of the period was 0.28%, down from 0.44% in the previous year [185]. Securities and Investments - The Company primarily uses Level 2 inputs for fair value measurements of its available-for-sale (AFS) securities [139]. - Total fixed-rate securities increased to $1,887,890 thousand with a yield of 1.11% as of September 30, 2021, compared to $1,325,115 thousand and a yield of 1.49% in the previous year [190]. - The total securities portfolio reached $2,008,456 thousand with a yield of 1.16% as of September 30, 2021, up from $1,529,605 thousand and a yield of 1.62% in the prior year [190]. - Fixed-rate securities comprised 94% of the securities portfolio as of September 30, 2021, with a $453.7 million increase in the balance due to purchases exceeding maturities and repayments [189]. Borrowings and Liabilities - Total liabilities rose by $186.6 million, or 2.3%, primarily due to an increase in deposits [195]. - The Bank's total borrowings at par were $1.59 billion, representing approximately 16% of total assets, all from FHLB advances [242]. - Total borrowings decreased from $1,790 million to $1,590 million, with an effective rate dropping from 2.31% to 1.88% [205]. - New FHLB borrowings amounted to $1,105 million at an effective rate of 1.96% [205]. Dividends and Stockholder Returns - Cash dividends paid totaled $117.9 million, equating to $0.87 per share, including a $0.40 True Blue Capitol cash dividend [206]. - The company plans to continue paying out 100% of its earnings to stockholders, with expected regular quarterly cash dividends of $0.085 per share for fiscal year 2022 [210]. - Regular quarterly cash dividends for 2021 totaled $130.1 million, with a per share amount of $0.96 [213]. - The company has $44.7 million authorized for additional stock repurchases, with no expiration date on the plan [209]. Risk Management and Compliance - The Company is exposed to increased lending and credit risks due to a growing portion of commercial loans in its portfolio [76]. - The Company monitors local and national employment levels and trends, as adverse conditions could impact borrowers' ability to repay loans [75]. - The Company has implemented various safeguards to protect against cybersecurity risks, but there is no assurance that breaches will not occur [86]. - Regulatory changes could adversely impact the Company's operations and increase compliance costs, affecting profitability and market activities [99]. Economic Conditions - The average national unemployment rate during the four-quarter macro-economic forecast was 3.8% at September 30, 2021, compared to 10.8% at October 1, 2020 [136]. - The transition from LIBOR to alternative reference rates like SOFR may incur significant expenses and could reduce interest income [84]. - The Company anticipates that the majority of maturing retail certificates of deposit will renew or transfer to other deposit products at prevailing rates [247].

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ________________________ Form 10-Q ________________________ (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2021 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __ to __ Commission File Number: 001-34814 Capitol Federal Financial, Inc. | --- | --- | |------------------- ...

Maryland 27-2631712 (State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identification No.) 700 South Kansas Avenue, Topeka, Kansas 66603 (Address of principal executive of ices) (Zip Code) UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ________________________ Form 10-Q ________________________ (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2021 or ☐ TRANSITION ...

Maryland 27-2631712 (State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identification No.) 700 South Kansas Avenue, Topeka, Kansas 66603 (Address of principal executive of ices) (Zip Code) UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ________________________ Form 10-Q ________________________ (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended December 31, 2020 or ☐ TRANSIT ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended September 30, 2020 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __ to __ Commission file number: 001-34814 Capitol Federal Financial, Inc. (Exact name of registrant as specified in its charter) Maryland 27-2631712 (State or ot ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ________________________ Form 10-Q ________________________ (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2020 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __ to __ Commission file number: 001-34814 Capitol Federal Financial, Inc. (Exact name of registrant as speci ...

Financial Performance - For the quarter ended March 31, 2020, the Company reported net income of $4.3 million, or $0.03 per share, a decrease from $24.6 million, or $0.18 per share, in the same quarter of 2019[82]. - The company reported a net income of $4.276 million for the three months ended March 31, 2020, a decrease from $22.511 million in the same period last year, reflecting a significant decline in profitability[148]. - For the six months ended March 31, 2020, net income was $26.8 million, or $0.19 per share, down from $48.9 million, or $0.36 per share, in the same period last year, primarily due to a $22.3 million provision for credit losses[150]. - The return on average assets (annualized) was 0.18%, down from 1.05% in the previous quarter[170]. - The return on average equity (annualized) was 1.30, compared to 7.25 in the previous quarter, reflecting a significant decline in profitability[170]. Credit Losses and Provisions - The provision for credit losses was $22.1 million for the current quarter, increasing the allowance for credit losses (ACL) to $31.2 million, resulting in an ACL to loans receivable ratio of 0.42% compared to 0.12% at September 30, 2019[81]. - The provision for credit losses surged to $22.075 million in the current quarter, compared to only $225 thousand in the previous quarter, highlighting the impact of economic conditions on credit quality[148]. - The allowance for credit losses (ACL) was increased due to the economic impact of COVID-19, reflecting a proactive approach to potential loan losses[122]. - The total ACL increased from $9.435 million at September 30, 2019, to $31.196 million at March 31, 2020[129]. Interest Income and Margin - The net interest margin decreased by 14 basis points from 2.33% in the prior year quarter to 2.19% in the current quarter, primarily due to a decrease in loan portfolio yield and an increase in the cost of deposits[82]. - Net interest income for the three months ended March 31, 2020, was $48.668 million, slightly down from $48.697 million in the previous quarter, indicating a stable interest income despite market challenges[148]. - The weighted average yield on total interest-earning assets decreased four basis points to 3.56% for the current year period, with a decrease in the average balance of interest-earning assets by $221.2 million[150]. - The weighted average yield on loans receivable decreased from 3.75% to 3.72%, while the yield on the MBS portfolio decreased to 2.55%[177]. Loan Portfolio and Originations - Total loans reached $7.48 billion at March 31, 2020, an increase of $47.6 million, or 0.6%, from December 31, 2019, driven mainly by the one- to four-family correspondent loan portfolio[93]. - The total amount of loans originated for one- to four-family properties was $4,517 million, up from $3,552 million, reflecting a 27% increase[119]. - The Bank originated and refinanced $193.6 million of one- to four-family and consumer loans at a weighted average rate of 3.45% during the current quarter[93]. - The total originated loans for the three months ended March 31, 2020, amounted to $321,580 thousand, with a weighted average credit score of 764 and an LTV of 73%[104]. Deposits and Borrowings - Total deposits rose by $188.8 million, or 3.4%, to $5.77 billion from December 31, 2019, with retail/business certificates of deposit increasing by $108.8 million[93]. - The total amount of borrowings as of March 31, 2020, was $2,090,000 thousand, with an effective rate of 2.25%[138]. - The effective rate for new FHLB borrowings was 1.70% with a weighted average maturity of 4.7 years[138]. - The total amount of retail/business certificates was $1.25 billion with a repricing rate of 2.02% as of June 30, 2020[141]. Non-Performing Loans and Delinquency - The delinquency rate for loans 30 to 89 days delinquent is 0.24%, consistent with the previous quarter[117]. - Non-performing loans as a percentage of total loans rose to 0.17%, compared to 0.13% in the previous year, indicating a deterioration in loan quality[119]. - The total amount of loans 90 or more days delinquent or in foreclosure increased to $9,439 million, up from $8,571 million, representing a 10% increase year-over-year[119]. - The Bank's total delinquent loans amount to $17,988 thousand, with a total of 167 loans[117]. Economic Impact and Future Outlook - The Company anticipates being able to manage economic risks associated with the COVID-19 pandemic and remains well capitalized with sufficient liquidity to serve customers[81]. - The Company has deferred the annual True Blue dividend in June 2020 due to economic uncertainty, but intends to pay out 100% of its earnings in the future[81]. - The company will continue to monitor economic conditions closely and may need to increase the ACL if conditions worsen[123]. - The company is actively working with borrowers to assist them through the economic challenges posed by COVID-19[123].