The group's principal activity is to provide banking service to customers. The operations are conducted through the group's wholly owned subsidiary, capitol federal savings bank. The group originates real estate, property improvements, auto and other loans. The deposits accepted by the group consists of passbook and statement savings accounts, money market deposit accounts, now and non-interest bearing checking accounts and certificates of deposits. The group is a federally chartered and insured savings bank, which has 28 traditional and 7 in-store banking offices. The metropolitan areas served by the group include topeka, wichita, lawrence, manhattan, emporia and salina, Kansas and a portion of greater Kansas city.