Central Plains Bancshares (CPBI) Q2 2025 earnings summary

Executive summary

• Q2 net income was $882k vs. $952k YoY; six-month net income held at $1.87M vs. $1.855M. Loan growth and improved net interest margin supported results, while operating expenses rose.

• Total assets edged up to $510.0M at September 30, 2025; loans grew 5.0% from March 31, while deposits fell 1.9% and cash declined 69.0%.

Financial highlights

• Q2 net interest income before credit provision was $4.585M vs. $4.058M YoY; six-month NII was $9.076M vs. $8.024M.

• Q2 interest and dividend income rose 10.3% to $6.785M; noninterest income increased 8.8% to $679k, led by loan-sale gains of $98k.

• Q2 noninterest expense rose 15.3% to $4.060M; salaries and benefits increased 13.2% to $2.194M, and occupancy/equipment rose 58.9% to $429k.

• Q2 pretax income was $1.115M vs. $1.157M; income tax expense was $233k vs. $205k, and diluted EPS was $0.23 vs. $0.25.

Outlook and guidance

• Management continues monitoring liquidity and deposit pricing, and remains prepared to use FHLB advances to support additional loan funding.

• Two new full-service branches in Lincoln and Hastings were open by September 30, 2025, and are expected to extend service coverage and support customer engagement.