Central Bancompany, Inc. (CBC)

Key figures

The last twelve months reported, with the latest price and balance sheet.

Market value

$8.4B

Dividend yield

3.2%

Cash

$768.9M

Debt

$16.3B

Debt to equity

4.21

Shares outstanding

239.5M

Financial statements

Revenue, profit and cash flow by fiscal year, each year linked to its annual report.

By quarter

What the company said with its results

From the third quarter of 2026 results, filed 27 October 2026.

• Earnings rose year over year. Net income was $116.2 million, or $0.48 per fully diluted share, up from $97.1 million and $0.44 a year earlier, and up from $113.8 million in the prior quarter.
• Adjusted earnings rose on both comparisons. Adjusted net income rose $13.7 million from a year earlier and $2.8 million from the prior quarter. The company's non-GAAP adjusted measure excludes investment securities gains and losses.
• Average earning assets grew 7.1%. Average earning assets were $19.4 billion, up 7.1% year over year, supported by deposit growth and higher capital levels.
• Margin gains from yields and mix. Loan yield rose to 6.29%, investment securities yield to 4.32%, and interest-earning cash yield to 3.92%, each above the second quarter. Management listed these as the drivers of the margin.
• Asset-sensitive balance sheet lifted income. Management attributed the linked-quarter rise in net interest income to an asset-sensitive balance sheet, alongside continued margin expansion.
• Wealth management led fee growth. Wealth management revenue rose 16.7% year over year to $23.6 million, with assets under advice up 13.8% to $17.5 billion.
• Mortgage banking revenue fell. Mortgage banking revenues were $8.8 million, down 14.3% year over year, as origination volumes fell in the higher rate environment.
• Service fees and payments grew. Service charges and commissions rose 3.3% and payment services revenue rose 4.0% year over year. Payment services revenue fell 2.5% from the prior quarter.
• Adjusted noninterest income grew 4.0%. Adjusted noninterest income was $66.6 million, up 4.0% year over year, excluding investment securities gains. The fee income ratio was 23.4%.
• Expenses rose less than revenue. Noninterest expense was $131.0 million, up 3.2% year over year, while revenue grew faster. Management cited continued expense discipline and positive operating leverage.
• Salaries rose on merit and incentives. Salaries and employee benefits were $80.0 million, flat from the prior quarter and up 6.3% year over year on annual merit increases and performance pay.
• Legal and professional fees fell. Legal and professional fees fell $0.9 million, or 13.9%, year over year, which management linked to lower technology consulting costs.
• Headcount and branch count held. Full-time equivalent employees were 2,921, down from 2,971 in the second quarter, and full service offices stayed at 159.
• Allowance balance rose slightly. The allowance for credit losses reached $150.9 million, up slightly from the prior quarter end. Management said the allowance rate reflects stable credit quality trends.

Company events

The newest 8-K filings of 8 held.

Every filing

The newest filings with the SEC of 30 held.

Insider trades

Form 4 trades by officers, directors and 10% owners, last 12 months.

Large holders

Schedule 13D and 13G filings by holders of more than 5% of the voting shares.

Short interest

Shares sold short and not yet bought back, on each FINRA settlement date.

Funds that hold it

From each fund's latest Form 13F.

157 funds held it at 30 Jun 2026: 96 added and 33 trimmed in the quarter. The largest:

Peers

Companies in the same industry.

• Bank of Nova Scotia (BNS): revenue $27.0B, market value $116.9B
• Bank of New York Mellon Corp. (BNY): revenue $21.4B, market value $100.9B
• Itaú Unibanco Holding S.A. (ITUB): revenue $30.1B, market value $81.6B
• Fifth Third Bancorp (FITB): revenue $10.7B, market value $48.5B
• State Street Corp. (STT): revenue $15.5B, market value $47.4B
• M&T Bank Corp. (MTB): revenue $10.0B, market value $31.8B
• Northern Trust Corp. (NTRS): revenue $9.1B, market value $31.4B
• Banco Bradesco S.A. (BBD): revenue –, market value $28.9B
• Citizens Financial Group Inc. (CFG): revenue $8.9B, market value $27.5B
• First Citizens Bancshares Inc. (FCNCA): revenue $9.6B, market value $26.9B

What the company does

Central Bancompany is a bank holding company headquartered in Jefferson City, Missouri. Through its banking subsidiary, The Central Trust Bank, it provides consumer, commercial and wealth management products and services to communities primarily in Missouri, Kansas, Oklahoma and Colorado. As of 31 December 2025 it operated 155 full-service branch locations and had a consolidated weighted average deposit market share of approximately 24%. The company was founded in January 1902 and had approximately 3,036 employees. Its Class A common stock is listed on the Nasdaq Stock Market under the ticker symbol "CBC".

How the business is organised

The company runs three operating segments: Consumer Banking, Commercial Banking and Wealth Management. Geographically it is organised around 11 "Primary Markets" serving 79 communities, and its branches sit across 17 MSAs and µSAs. It also operates one branch in the Naples Market in Florida. Leaders in each market are empowered to make local decisions, and they are held accountable for performance. A Corporate / Other category holds administrative functions, the investment securities portfolio and other items not assigned to a segment.

What it sells

Consumer Banking serves approximately 257,000 households through the branch network and approximately 1,400 full-time employees. It offers deposit products, home equity lines of credit, a wholly owned credit card portfolio and mortgages. Mortgages are typically sold to Freddie Mac, Fannie Mae or private investors, with servicing kept in-house.

Commercial Banking serves approximately 69,000 small, middle-market and commercial business entities. It offers loans, deposit accounts and treasury management services covering payables, receivables, card products and fraud management. The government business is part of this segment and covers approximately 450 relationships, with an average tenure of 16 years. The company also reports being the 18th largest HSA provider as of 31 December 2024, citing a Devenir report.

Wealth Management has two platforms. Central Trust Company offers investment management, fiduciary services, retirement planning, and estate and tax planning across nine locations. Central Investment Advisors works in partnership with LPL Financial, which is not affiliated with the company, and operates through 104 locations. More than 150 professionals support the segment.

How it earns its money

Its loan exposure is 62% commercial and 38% consumer. Of its loans, 87.8% were to borrowers who resided or organized in its Primary Markets.

Deposits are split 50.0% consumer and 50.0% commercial, including public funds. By type, 35.4% are noninterest-bearing, 54.3% are savings and interest-bearing demand deposits, and 10.3% are time deposits.

Where it operates

Its business is predominantly in Missouri. It has also expanded into metropolitan areas including Kansas City, St. Louis, Denver, Tulsa and Oklahoma City. The company says it intends to add eight new branches in the St. Louis, Kansas City Metro and Denver markets. It describes its strategic plan, begun in 2022, as "The Road Ahead".

How it competes

The company lists local regional banks, large national banks, credit unions, digital-only banks, mortgage and consumer finance companies, trust companies, brokerage firms and fintechs as competitors. It says its advantages are local relationships, personalized service and technology. Its latest Net Promoter Score was 74. The company calls its aim "legendary" service.

People and regulation

Of the approximately 3,036 employees, 2,765 are full-time and 271 are part-time. None are covered by a collective bargaining agreement, and average tenure is 8 years.

The company is registered with the Federal Reserve and supervised by it and the Missouri Division of Finance. It has not elected to become a financial holding company. The Central Trust Bank is a Missouri-chartered trust company with banking powers and a Federal Reserve state member bank. The FDIC also oversees it because it takes insured deposits. The Bank's most recent Community Reinvestment Act rating was "satisfactory", and it exceeded the thresholds for "well capitalized" status as of 31 December 2025.

*From Central Bancompany's annual report on Form 10-K for the year ended 31 December 2025. [The filing](https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm)*

From the company's 10-K.