Central Bancompany (CBC) Registration Filing summary

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.