Central Bancompany, Inc.
Business
Central Bancompany, Inc. is a bank holding company that operates The Central Trust Bank, a full-service community bank serving primarily Missouri, Kansas, Oklahoma and Colorado. The bank provides consumer banking (deposits, lending, digital solutions), commercial banking (relationship lending, treasury management, government banking), and wealth management (investment management, fiduciary services, financial planning) through 155 branches across 11 primary markets. Revenue is generated through deposit spreads, loan origination and servicing, fee-based wealth management services, and treasury management solutions.
Summary from 10-K filed 2026-03-25
Financials
Consolidated Statement of Income
| Concept | Trend | 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
| Concept | Trend | 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
| Concept | Trend | 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 |
Filings
Material Events
Insiders
Institutional Holders
Frequently asked questions
What is Central Bancompany, Inc.'s CIK number?
Central Bancompany, Inc.'s SEC CIK number is 0002065601 (2065601). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.
Where can I find Central Bancompany, Inc.'s SEC filings?
All of Central Bancompany, Inc.'s EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.
When did Central Bancompany, Inc. last report earnings?
Central Bancompany, Inc. (CBC) most recently filed an earnings 8-K with the SEC on Apr 28, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0001628280-26-027732). This is Central Bancompany, Inc.'s most recent earnings filing of record — not a forecast of its next earnings date.
What is Central Bancompany, Inc.'s most recent earnings 8-K?
Central Bancompany, Inc.'s latest earnings 8-K (Item 2.02) was filed Apr 28, 2026 under accession 0001628280-26-027732. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.
View Central Bancompany, Inc.'s latest earnings 8-K →
Look up any company's CIK number →