Central Bancompany, Inc.

Listed Company

CBCCIK 0002065601NasdaqNon-AcceleratedEmerging GrowthState Commercial BanksMissouriFY ends Dec 31

Period

FY 2025

Revenue

—

Net Income

$390.85M

Total Assets

$20.75B

Equity

$3.78B

Shares Out

240.29M

Op. Cash Flow

$248.16M

Business

Central Bancompany, Inc. is a publicly listed company in State Commercial Banks, incorporated in Missouri. Common stock trades on Nasdaq under the ticker CBC.

Auto-generated from company profile

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31
Loans	712	708
Investment securities	237	151
Interest-bearing cash and bank deposits	40	45
Total interest income	990	905
Deposits	175	190
Federal funds purchased and customer repurchase agreements	25	27
Total interest expense	200	218
Net interest income	790	687
Provision for credit losses	9	15
Net interest income after provision for credit losses	780	673
Mortgage banking revenue	40	42
Investment securities losses, net	−7	−37
Other (loss) income	−7	10
Total other income	232	210
Salaries and employee benefits	298	281
Net occupancy and equipment	49	47
Computer software and maintenance	23	20
Marketing and business development	21	20
Legal and professional fees	22	26
Bankcard processing, rewards and related cost	31	32
Other expenses	62	63
Total other expenses	505	489
Income before income taxes	507	394
Income taxes	116	88
Net income	391	306
Net income per common share - basic (in dollars per share)	1.75	1.39
Net income per common share - diluted (in dollars per share)	1.75	1.39

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31
Cash and due from banks	259	265	—
Short-term earning assets	1,806	977	—
Interest-bearing deposits	1	699,000	—
Net carrying amount	6,372	5,604	—
Amortized cost	2	3	—
Equity	48	49	—
Trading	0	666,000	—
Total investment securities	6,422	5,656	—
Loans held for investment	11,435	11,624	—
Less allowance for credit losses	−150	−154	−155
Total loans held for investment	11,285	11,470	—
Loans held for sale	54	34	—
Land, buildings, and equipment, net	216	215	—
Deferred tax assets, net	0	23	—
Goodwill and intangibles	352	355	—
Other assets	358	246	—
Total assets	20,752	19,243	—
Noninterest-bearing demand	5,616	5,246	—
Savings and interest-bearing demand	8,612	8,043	—
Time	1,635	1,697	—
Total deposits	15,863	14,986	—
Federal funds sold and securities purchased under agreements to resell	1,012	1,007	—
Total customer funds	16,874	15,993	—
Deferred tax liabilities, net	12	0	—
Other liabilities	82	139	—
Total liabilities	16,968	16,132	—
Preferred stock	0	0	—
Capital surplus	419	13	—
Retained earnings	3,477	3,334	—
Accumulated other comprehensive (loss)	−17	−140	—
Stockholders' Equity before Treasury Stock	3,883	3,210	—
Treasury Stock, Value	−99	−99	—
Total stockholders' equity	3,784	3,111	2,744
Total liabilities and stockholders' equity	20,752	19,243	—

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31
Depreciation and amortization	20	19
Net (accretion) amortization of discounts and premiums	−21	8
Deferred income taxes	−3	−7
Net gain on sale of loans	−30	−29
Net change in trading debt securities	666,000	−670,000
Net investment securities losses	7	37
Originations of mortgage loans held for sale	−1,279	−1,278
Proceeds from sales of mortgage loans held for sale	1,302	1,303
Stock-based compensation	3	3
(Increase) decrease in other assets	−113	8
(Decrease) in other liabilities	−39	−21
Net cash provided by operating activities	248	363
Purchase of available-for-sale securities	−2,566	−3,762
Purchase of equity securities	−234,000	−11
Proceeds from sales of available-for-sale securities	320	1,040
Proceeds from sales of equity securities	913,000	27
Proceeds from maturities of available-for-sale securities	1,640	2,228
Proceeds from maturities of held-to-maturity securities	2	836,000
Net change in interest-bearing deposits	−340,000	489,000
Net decrease (increase) in loans	162	−149
Purchase of land, buildings, and equipment	−17	−25
Proceeds from sale of land, buildings, and equipment	433,000	12
Net cash (used in) investing activities	−464	−634
Increase (decrease) in deposits	939	−53
(Decrease) increase in time deposits	−62	169
Increase (decrease) in federal funds purchased and customer repurchase agreements	5	−219
Dividends paid	247	58
Purchase of treasury stock	0	−12
Proceeds from stock issuance, net	403	0
Net cash provided by (used in) financing activities	1,038	−172
Net increase (decrease) in cash and cash equivalents	822	−443
Interest paid	199	216
Income taxes paid	144	92
Loans transferred to foreclosed assets held for sale	4	5

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