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Visual21 Nov 2025
Data center suppliers
Central Bancompany (CBC) investor relations material
Central Bancompany IPO Filing summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.IPO Filing summary31 Oct, 2025
Company overview and business model
Bank holding company headquartered in Jefferson City, Missouri, with $19.2B in assets and $15.4B in wealth assets under advice as of September 30, 2025.
Operates 156 full-service branches across Missouri, Kansas, Oklahoma, Colorado, and Florida, focusing on community banking, commercial banking, and wealth management.
Business model emphasizes relationship-based banking, local decision-making, and a customer-centric culture, with a Net Promoter Score of 71 and average customer tenure of 13 years.
Diversified product suite includes consumer and commercial loans, deposit products, digital banking, wealth management, and treasury management services.
Recognized for operational excellence, technology investment, and consistent market share growth, with a 24% weighted average deposit market share in primary markets.
Financial performance and metrics
Net income for the nine months ended September 30, 2025, was $283.3M, up 16.1% year-over-year; adjusted net income was $295.0M, up 21.9%.
Net interest margin rose to 4.27% for the first nine months of 2025, compared to 3.77% in the prior year.
Return on average total assets was 1.97% (2.06% adjusted) for the first nine months of 2025.
Efficiency ratio improved to 50.2% for the first nine months of 2025.
Total assets were $19.2B, loans $11.3B, deposits $14.8B as of September 30, 2025.
CET1 capital ratio was 24.6%, with $1.4B in excess capital relative to the bank-level CET1 ratio.
Nonperforming loans to total loans were 0.45%, and allowance for credit losses was 1.32% of loans.
Use of proceeds and capital allocation
Estimated net proceeds from the IPO are $374.1M (or $430.8M if the underwriters' option is exercised in full), based on an assumed price of $22.50 per share.
Proceeds will be used for general corporate purposes, supporting growth strategy, and potentially financing future acquisitions.
No current agreements for specific acquisitions, but the company intends to accelerate M&A activity post-IPO.
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Next Central Bancompany earnings date
Q4 202527 Mar, 2026
Next Central Bancompany earnings date
Q4 202527 Mar, 2026
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