Central Plains Bancshares (CPBI) investor relations material

Executive summary

• Q2 net income was $1.492 million vs. $988,000 YoY; basic and diluted EPS rose to $0.39 from $0.26.

• Higher loan yields, loan growth, and increased federal funds sold drove interest income gains; net interest margin expanded 20 bps YoY.

Financial highlights

• Interest and dividend income increased 16.8% to $7.7 million; interest expense rose 17.5% to $2.5 million, lifting pre-provision net interest income 16.5% to $5.2 million.

• Noninterest income declined 1.7% to $643,000; noninterest expense increased 1.4% to $4.0 million, including higher salaries and occupancy costs.

• Assets rose 0.7% QoQ to $562.4 million; deposits increased 1.2% to $465.8 million, while gross loans edged down 0.2% to $447.4 million.

Outlook and guidance

• Management expects sufficient funds for current funding commitments and anticipates retaining a significant portion of maturing time deposits, based on retention experience and pricing strategy.

• Loan originations will prioritize high-quality opportunities when profitable, prudent, and consistent with interest-rate risk strategy; credit-loss estimates will reflect portfolio quality and macroeconomic forecasts.