Central Bancompany (CBC) Registration Filing summary

Company overview and business model

• Bank holding company headquartered in Missouri with $19.1B in assets and $14.2B in wealth assets under advice as of June 30, 2025.

• Operates 156 full-service branches across Missouri, Kansas, Oklahoma, Colorado, and Florida, with a 24% weighted average deposit market share.

• Offers consumer, commercial, and wealth management services, emphasizing community banking and local decision-making.

• Maintains a strong customer-centric culture, with high employee engagement and customer satisfaction (NPS of 71).

• Long history of family ownership and consistent profitability through economic cycles.

Financial performance and metrics

• Net income for the six months ended June 30, 2025: $186.2M, up 8.7% YoY; adjusted net income: $192.6M, up 20.3%.

• Net interest income for the same period: $381.4M, up 18% YoY; net interest margin: 4.23%.

• Total assets as of June 30, 2025: $19.1B; total loans: $11.3B; total deposits: $14.8B.

• Efficiency ratio for 1H2025: 50.5%; return on average assets: 1.95%; adjusted ROAA: 2.02%.

• CET1 capital ratio: 23.8% as of June 30, 2025; loan to deposit ratio: 77%.

• Nonperforming loans to total loans: 0.42%; allowance for credit losses: 1.32% of loans.

• Fee income ratio for 1H2025: 22.1%; adjusted fee income ratio: 24.1%.

Use of proceeds and capital allocation

• Net proceeds from the IPO will be used for general corporate purposes, including supporting growth strategy and potential future acquisitions.

• No current agreements for specific acquisitions, but proceeds may be used to finance complementary opportunities.

• Management retains broad discretion over allocation and timing of use of proceeds.