Capitol Federal Financial, Inc. operates through its subsidiary Capitol Federal Savings Bank, a federal savings bank serving retail and commercial customers primarily across Kansas metropolitan areas including Topeka, Wichita, Lawrence, and portions of the Kansas City region. The Bank generates revenue primarily through net interest income from lending activities—including residential mortgages, consumer loans, commercial real estate and industrial loans, and commercial construction loans—and from deposit products such as checking accounts, savings accounts, money market accounts, and certificates of deposit. The Bank also earns non-interest income from deposit service fees, insurance commissions, and other sources, and manages a securities portfolio composed of government-backed or government-sponsored enterprise securities to optimize yields.