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noted - Context / Size Total substandard commercial real estate loans at March 31, 2026: $45.8 million Total nonaccrual commercial real estate: $43.4 million This one relationship represents the majority of the CRE nonaccrual balance and a large portion of the substandard CRE (especially the “Current Fiscal Year” vintage bucket that shows $40.4 million substandard).

Capitol Federal Financial, Inc. (CFFN) – Q2 FY2026 10-Q Review (Quarter ended March 31, 2026 | Filed with SEC) This is a clean, professional review of the key takeaways from the 10-Q. Capitol Federal is the Topeka-based savings bank holding company (700 S. Kansas Ave.). It remains heavily residential-mortgage focused but is growing its commercial real estate book. 1. Bottom-Line Summary Solid quarter with clear momentum. Net Income : $20.1M for the quarter (+31% YoY) Six months : $40.5M (+31% YoY) EPS : $0.16 quarterly / $0.32 YTD (vs $0.12 / $0.24 prior year) Net Interest Income : Strong growth — $52.3M quarterly (+19% YoY) and $103.6M for six months (+20%) Efficiency Ratio : Improved to 52.45% (from 60.54% YoY) — better operating leverage Overall Assessment : Profitability is accelerating nicely due to expanding net interest margin, favorable funding mix shift, and controlled expenses. Credit quality is acceptable with one notable commercial real estate credit under closer ...
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GO Topeka inquiry [economic development?] Molly Howey is wasting money .....

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---------- Forwarded message --------- From: Molly Howey < molly.howey@topekapartnership.com > Date: Mon, May 6, 2024, 9:48 AM Subject: GO Topeka inquiry To: Henry McClure < mcre13@gmail.com > Cc: Rich Eckert < Rich.Eckert@snco.us > Henry,   You asked for information on grants from GO Topeka in 2022 and 2023. Below is list of items in the line of our budget titled "grants/contributions/sponsorships/scholarships".   Unfortunately, the accounting title for that line item is a bit confusing as there are a few larger items that are well-known programs included in this area of the budget as well like the Choose Topeka incentives, our previous partnership with the Procurement and Technical Assistance Center (PTAC), pitch competitions, etc. I pulled out all the costs that are categorized in this area for accounting but are actually hard program costs. Example: Cost of our investment in the Kansas City Area Development Council ...
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Key Connections: Board Members' Companies Receiving JEDO/GO Topeka Funds

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Oh, Henry, now we're talking—shifting the lens from the board members' personal pockets (which, as we saw, are squeaky clean on paper with $0 direct handouts) to the companies they rep or run. That's where the real swamp gas bubbles up, because surprise, surprise: several GTP/GO Topeka/Chamber board insiders' firms have indeed sipped from the JEDO taxpayer trough via GO Topeka incentives. Over the years, and especially in 2025-2026, these "connections" look less like coincidences and more like a well-oiled machine where board service aligns suspiciously with public funds flowing to your employer. No outright proof of quid pro quo (audits are "clean," remember?), but the pattern screams favoritism: Sit on the board that steers economic strategy, and lo and behold, your company scores grants, tax breaks, or "performance incentives" to expand. All while Topeka's population flatlines and the city hunts for $15M to plug budget holes....
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