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Central Plains Bancshares, Inc.
CPBICIK 0001979332NasdaqEmerging GrowthSavings Institution, Federally CharteredMarylandFY ends Mar 31
Period
FY 2026
Revenue
—
Net Income
$4.00M
Total Assets
$558.65M
Equity
$88.99M
Shares Out
4.18M
Op. Cash Flow
$6.69M
Business
Central Plains Bancshares, Inc. is a holding company that owns Home Federal Savings and Loan Association, a federally chartered savings association operating as Home Federal Bank. The company accepts deposits from the general public and invests in residential mortgage loans, commercial real estate loans, agricultural loans, and commercial non-real estate loans, primarily in southcentral Nebraska. Home Federal Bank operates nine office locations across six Nebraska counties and offers deposit accounts, mobile banking, online banking, and bill-pay services.
Summary from 10-K filed 2026-06-18
Financials
Consolidated Statement of Income
Year Ended · In millions, except per-share amounts
| Concept | Trend | FY 2026 2026-03-31 | FY 2025 2025-03-31 | FY 2024 2024-03-31 | FY 2023 2023-03-31 |
|---|---|---|---|---|---|
| Loans-including fees | 25 | 22 | 19 | 15 | |
| Investment securities | 2 | 2 | 2 | 1 | |
| FHLB stock | 28,000 | 31,000 | 29,000 | 35,000 | |
| Federal funds sold | 260,000 | 282,000 | 251,000 | 87,000 | |
| Total interest and dividend income | 28 | 25 | 21 | 16 | |
| Deposits | 9 | 8 | 6 | 2 | |
| Borrowings and federal funds purchased | 59,000 | 99,000 | 105,000 | 362,000 | |
| Total interest expense | 9 | 8 | 6 | 3 | |
| Net interest income before provision for credit losses | 19 | 16 | 14 | 13 | |
| Provision for credit losses | 306,000 | 200,000 | 88,000 | 3 | |
| Net interest income after provision for credit losses | 18 | 16 | 14 | 11 | |
| Servicing fees on loans | 126,000 | 132,000 | 129,000 | 303,000 | |
| Service charges on deposit accounts | 766,000 | 912,000 | 769,000 | 672,000 | |
| Interchange income | 1 | 1 | 1 | 1 | |
| Gain on sale of loans, net | 371,000 | 215,000 | 195,000 | 97,000 | |
| Gain from real estate owned and other repossessed assets, net | 1,000 | 2,000 | 4,000 | −2,000 | |
| Other | 135,000 | 78,000 | 463,000 | 167,000 | |
| Total non-interest income | 3 | 3 | 3 | 2 | |
| Salaries and employee benefits | 9 | 8 | 7 | 6 | |
| Occupancy and equipment | 1 | 1 | 1 | 1 | |
| Data processing | 2 | 2 | 2 | 2 | |
| Federal deposit insurance premiums | 207,000 | 192,000 | 241,000 | 171,000 | |
| Debit card processing | 268,000 | 261,000 | 252,000 | 223,000 | |
| Advertising | 401,000 | 387,000 | 308,000 | 321,000 | |
| Other general and administrative expenses | 3 | 3 | 2 | 2 | |
| Total non-interest expense | 16 | 14 | 13 | 11 | |
| Income before income tax expense | 5 | 5 | 5 | 2 | |
| Income tax expense | 991,000 | 869,000 | 877,000 | 317,000 | |
| Net income | 4 | 4 | 4 | 2 | |
| Earnings per share - basic | 1.06 | 0.96 | 2.19 | — | |
| Earnings per share - diluted | 1.05 | 0.96 | 2.19 | — | |
| Weighted average shares outstanding - basic | 4 | 4 | 2 | — | |
| Weighted average shares outstanding - diluted | 4 | 4 | 2 | — |
Consolidated Balance Sheet
As of · In millions, except per-share amounts
| Concept | Trend | FY 2026 2026-03-31 | FY 2025 2025-03-31 | FY 2024 2024-03-31 | FY 2023 2023-03-31 | FY 2022 2022-03-31 |
|---|---|---|---|---|---|---|
| Cash and due from banks | 7 | 8 | 6 | 8 | — | |
| Interest-bearing deposits in other banks | 22 | 21 | 5 | 9 | — | |
| Total cash and cash equivalents | 30 | 29 | 11 | 17 | — | |
| Investment securities - available for sale | 63 | 59 | 60 | 58 | — | |
| Investment securities - held to maturity | 175,000 | 222,000 | 307,000 | 422,000 | — | |
| Loans, net of unearned income | 448 | 402 | 380 | — | — | |
| Allowance for credit losses on loans | −6 | −5 | −6 | −5 | 5 | |
| Loans, net | 443 | 397 | 374 | 348 | — | |
| Accrued interest receivable | 3 | 3 | 2 | 2 | — | |
| Federal Home Loan Bank (FHLB) stock - at cost | 639,000 | 612,000 | 584,000 | 563,000 | — | |
| Premises and equipment - net | 13 | 13 | 6 | 4 | — | |
| Deferred income taxes | 2 | 3 | 3 | 3 | — | |
| Mortgage servicing rights | 415,000 | 380,000 | 403,000 | 434,000 | 563,000 | |
| Other assets | 4 | 4 | 4 | 5 | — | |
| Total assets | 559 | 509 | 463 | 438 | — | |
| Noninterest bearing deposits | 65 | 64 | 67 | 73 | — | |
| Demand and NOW checking | 144 | 153 | 127 | 157 | — | |
| Money market | 39 | 31 | 24 | 25 | — | |
| Savings | 50 | 45 | 43 | 50 | — | |
| Time deposits over $250,000 | 36 | 29 | 34 | 31 | — | |
| Other time deposits | 128 | 94 | 79 | 54 | — | |
| Total deposits | 460 | 416 | 375 | 391 | — | |
| Pension liability | 754,000 | 1 | 2 | 2 | — | |
| Advances from borrowers for taxes and insurance | 2 | 2 | 2 | 2 | — | |
| Accrued interest payable | 2 | 2 | 2 | 668,000 | — | |
| Accounts payable, accrued expenses and other liabilities | 5 | 4 | 4 | 3 | — | |
| Total liabilities | 470 | 425 | 385 | 399 | — | |
| Common Stock ($0.01 par value, 10,000,000 shares authorized, 4,196,359 and 4,231,742 shares issued and outstanding at March 31, 2026 and March 31, 2025, respectively) | 41,000 | 41,000 | 41,000 | — | — | |
| Additional paid-in capital | 40 | 39 | 39 | — | — | |
| Retained earnings | 54 | 51 | 47 | 44 | — | |
| Unallocated common shares held by Employee Stock Ownership Plan (ESOP) | −3 | −3 | −3 | — | — | |
| Accumulated other comprehensive loss | −2 | −4 | −5 | −5 | — | |
| Total stockholders' equity | 89 | 83 | 78 | 39 | 38 | |
| Total liabilities and stockholders' equity | 559 | 509 | 463 | 438 | — |
Consolidated Statement of Cash Flows
Year Ended · In millions, except per-share amounts
| Concept | Trend | FY 2026 2026-03-31 | FY 2025 2025-03-31 | FY 2024 2024-03-31 | FY 2023 2023-03-31 |
|---|---|---|---|---|---|
| Net income | 4 | 4 | 4 | 2 | |
| Depreciation and amortization | 965,000 | 455,000 | 518,000 | 503,000 | |
| Amortization of premium and accretion of discount on securities, net | −19,000 | 71,000 | 160,000 | — | |
| Disposal of premises and equipment | 96,000 | — | — | — | |
| Deferred income tax expense | 112,000 | 255,000 | 46,000 | 78,000 | |
| Origination of loans held for sale | −26 | −15 | −12 | −6 | |
| Proceeds from sales of loans held for sale | 26 | 15 | 12 | 6 | |
| Contributions to pension plan | 600,000 | 600,000 | 600,000 | 600,000 | |
| ESOP expense | 211,000 | 167,000 | 161,000 | — | |
| Stock based compensation | 759,000 | 193,000 | — | — | |
| Accrued interest receivable | −155,000 | −852,000 | −522,000 | −382,000 | |
| Mortgage servicing rights | −35,000 | 23,000 | 31,000 | 129,000 | |
| Other assets | −166,000 | 386,000 | 183,000 | −282,000 | |
| Accrued interest payable | 11,000 | −177,000 | 1 | 453,000 | |
| Accounts payable, accrued expenses and other liabilities | 1,000 | −516,000 | −541,000 | −1 | |
| Net cash provided by operating activities | 7 | 4 | 6 | 4 | |
| Net change in loans | −46 | −23 | −26 | −45 | |
| Purchase of investment securities available for sale | −10 | −6 | −12 | — | |
| Principal paydowns from investment securities available for sale | 8 | 8 | 9 | 12 | |
| Principal paydowns from investment securities held to maturity | 47,000 | 85,000 | 115,000 | 146,000 | |
| Purchase of FHLB stock | −27,000 | −28,000 | −21,000 | −63,000 | |
| Purchase of premises and equipment | −878,000 | −8 | −2 | −303,000 | |
| Net cash used in investing activities | −49 | −28 | −31 | −33 | |
| Net change in deposits | 44 | 41 | −16 | 26 | |
| Net change in advances from borrowers for taxes and insurance | 63,000 | 28,000 | 87,000 | 89,000 | |
| Repurchase of common stock | −679,000 | −413,000 | — | — | |
| Net cash (used in) provided by financing activities | 44 | 41 | 20 | 26 | |
| Net (decrease) increase in cash and cash equivalents | 1 | 17 | −5 | −2 | |
| Cash paid for taxes - federal | 650,000 | 300,000 | — | — | |
| Cash paid for taxes - state | 139,000 | 148,000 | — | — | |
| Cash paid for interest | 9 | 8 | 5 | 2 | |
| Transfer of loan into other real estate owned | 74,000 | — | — | — |
Filings
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Frequently asked questions
What is Central Plains Bancshares, Inc.'s CIK number?
Central Plains Bancshares, Inc.'s SEC CIK number is 0001979332 (1979332). 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 Plains Bancshares, Inc.'s SEC filings?
All of Central Plains Bancshares, 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.