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CBC on Nasdaq

Central Bancompany

Logo: centralbank.net3

American bank holding company based in Jefferson City, founded in 19701

In its 2026 annual report the company says: “We are a bank holding company headquartered in Jefferson City, Missouri. Through our full-service community banking subsidiary, The Central Trust Bank, we provide a comprehensive suite of consumer, commercial and wealth management products and services to our communities, which are primarily located in Missouri, Kansas, Oklahoma and Colorado. Our business model is designed to serve the holistic financial services needs of businesses, individuals, agencies and community organizations within our footprint.”6 It employed 2,901 people in 2026.1 Its revenue was $1 billion.1 Its shares trade on Nasdaq under the symbol CBC.1

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Last updated Oct 21, 2026.

Overview

1970Founded1

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  • TickerCBC on Nasdaq1
  • Industrybank1
  • HeadquartersJefferson City1
  • Websitewww.centralbank.net/central-bancompany
  • Legal formcorporation1
  • Incorporated inMO4
  • Business address238 Madison Street, Jefferson City, Mo 651014
  • Filer categoryNon-accelerated filer, Emerging growth company4

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Central Bancompany image from its website
Image: centralbank.net3

We are a bank holding company headquartered in Jefferson City, Missouri. As of December 31, 2025, we had total consolidated balance sheet assets of $20.75 billion and wealth assets under advice of $16.0 billion. Through our full-service community banking subsidiary, The Central Trust Bank, we provide a comprehensive suite of consumer, commercial and wealth management products and services to our communities, which are primarily located in Missouri, Kansas, Oklahoma and Colorado. As of December 31, 2025, we operated 155 full-service branch locations, with a consolidated weighted average deposit market share of approximately 24%. Our business model is designed to serve the holistic financial services needs of businesses, individuals, agencies and community organizations within our footprint. Our goal is simple: to provide legendary service to our customers and to be an integral part in the…6 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Products and services

Credit and Debit Card brought in 33% of the revenue Central Bancompany broke down this way in fiscal 2025.

  1. Credit and Debit Card$67.6M733%up 0% from 2024
  2. Deposit Account$57.6M728%up 3% from 2024
  3. Fiduciary and Trust$52.0M725%up 13% from 2024
  4. Investment Advisory, Management and Administrative Service$28.7M714%up 11% from 2024
Products and services by year
Products and services20242025
Credit and Debit Card$67.5M$67.6M
Deposit Account$56.1M$57.6M
Fiduciary and Trust$45.9M$52.0M
Investment Advisory, Management and Administrative Service$25.7M$28.7M

Financial statements

Net income7$390.9M in 2025+28% since 2024
0$100.0M$200.0M$300.0M$400.0M2024: $305.8M$305.8M20242025: $390.9M$390.9M2025+28%

Every line of the income statement as filed: the last 2 fiscal years, latest first.7

Period ending2025-12-312024-12-31
Loans$712.4M$708.4M
Investment securities$237.3M$151.5M
Interest-bearing cash and bank deposits$40.3M$45.1M
Total interest income$989.9M$905.0M
Deposits$175.2M$190.4M
Federal funds purchased and customer repurchase agreements$25.1M$27.2M
Total interest expense$200.3M$217.7M
Net interest income$789.7M$687.3M
Provision for credit losses$9.3M$14.6M
Net interest income after provision for credit losses$780.4M$672.7M
Mortgage banking revenue$39.6M$42.1M
Investment securities losses, net-$6.8M-$36.7M
Other (loss) income-$6.9M$9.7M
Total other income$231.7M$210.4M
Salaries and employee benefits$298.1M$281.1M
Net occupancy and equipment$49.0M$47.1M
Computer software and maintenance$22.6M$20.3M
Marketing and business development$20.7M$20.0M
Legal and professional fees$22.4M$26.3M
Bankcard processing, rewards and related cost$30.7M$32.0M
Other expenses$62.0M$62.6M
Total other expenses$505.5M$489.4M
Income before income taxes$506.6M$393.7M
Income taxes$115.7M$87.9M
Net income$390.9M$305.8M
Net income per common share - basic (in dollars per share)$1.75$1.39
Net income per common share - diluted (in dollars per share)$1.75$1.39

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Corporate structure

Central Bancompany sits at the top of its group. 2 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of Central Bancompany

  • Central Bancompany Jefferson City
    • The Central Trust Bank Subsidiary · Missouri, United States

Built from subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What Central Bancompany reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Investments

ItemLatestA year beforeChange
Loans, net of allowance$11.3B7 Dec 31, 2025$11.5B7 Dec 31, 2024−1.6%
Deposits held (banks)$15.9B7 Dec 31, 2025$15.0B7 Dec 31, 2024+5.9%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$348.2M7 Dec 31, 2025$348.2M7 Dec 31, 20240%
Finite-lived intangibles, gross$26.6M7 Dec 31, 2025$32.2M7 Dec 31, 2024−17.3%
Accumulated amortization$23.2M7 Dec 31, 2025$25.5M7 Dec 31, 2024−9.1%
Finite-lived intangibles, net$3.4M7 Dec 31, 2025$6.7M7 Dec 31, 2024−48.5%

Properties, in its own words

Our Corporate headquarters is located at 238 Madison St, Jefferson City, MO. In addition, we operate 155 full-service branch offices as of December 31, 2025, the majority of which are in Missouri and Kansas. Additional branches are located in Oklahoma, Illinois and Colorado, and we have one branch in Florida. Currently, 20 of our branches (13% of our branch network) are leased. We also have a dedicated campus for Central Technology Services, our technology and data processing center in Jefferson City, MO along with a backup data recovery center in Springfield, MO. We regularly evaluate our branch network, in order to enter new markets or expand our community presence where there is opportunity while pivoting away from less productive locations.

Item 2 of the 10-K filed Mar 25, 2026.6

Leadership

Who has led Central Bancompany, and when. Pick a name to see everywhere that person has worked.

Chair

  1. Sam Bryan Cook2025–now

Chief financial officer

  1. James Ciroli2025–now
19801990200020102020
Board members and other officers (14)

Subsidiaries and ownership

Subsidiaries (Exhibit 21)

  • The Central Trust Bank Missouri5

The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.

Employees over time

  • 20262,9011

Timeline

  1. Aug 4, 20268-K Results of operations; Regulation FD disclosure; Other events26
  2. May 5, 20268-K Shareholder vote; Other events27
  3. Apr 28, 20268-K Results of operations; Regulation FD disclosure28
  4. Feb 5, 20268-K Executive or director change; Other events29
  5. Feb 5, 20268-K Financial statements and exhibits30
  6. Jan 27, 20268-K Results of operations; Regulation FD disclosure31
  7. Dec 4, 20258-K Other events32
  8. Nov 21, 20258-K Other events33
  9. 1970Founded Founded1

Calendar

Coming up

  1. Oct 27, 2026 · Before the openReports results for the quarter ending Sep/202634

When it reported results

  1. Aug 4, 2026Reported quarterly or annual results26
  2. Apr 28, 2026Reported quarterly or annual results28
  3. Jan 27, 2026Reported quarterly or annual results31

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

85 filings to the SEC since October 2021: 1 annual reports, 2 quarterly reports, 8 major events, 52 insider forms, 2 large holders, 20 other. The latest 20:

  1. Aug 14, 202610-Q EDGAR
  2. Aug 4, 20268-K EDGAR
  3. May 15, 202610-Q EDGAR
  4. May 5, 2026S-8 EDGAR
  5. May 5, 20268-K EDGAR
  6. Apr 28, 20268-K EDGAR
  7. Mar 26, 2026ARS EDGAR
  8. Mar 25, 2026DEF 14A EDGAR
  9. Mar 25, 2026DEFA14A EDGAR
  10. Mar 25, 202610-K EDGAR
  11. Mar 4, 20264 EDGAR
  12. Mar 4, 20264 EDGAR
  13. Mar 4, 20264 EDGAR
  14. Mar 4, 20264 EDGAR
  15. Mar 4, 20264 EDGAR
  16. Mar 4, 20264 EDGAR
  17. Mar 4, 20264 EDGAR
  18. Mar 4, 20264 EDGAR
  19. Mar 4, 20264 EDGAR
  20. Mar 4, 20264 EDGAR

The 85 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

18 open-market trades by officers, directors and large owners since October 2021: 18 buys and 0 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Feb 6, 2026Ross John ThomasPresident, CEOBuy40,000$24.50$980.0KForm 4
Nov 21, 2025Schoeneberg Carey DeniseSVP & Chief Risk OfficerBuy1,100$21.00$23.1KForm 4
Nov 21, 2025KRUSE CHARLES EDirectorBuy2,500$21.00$52.5KForm 4
Nov 21, 2025Westhues Daniel HaroldSEVP & Chief Customer OfficerBuy4,200$21.00$88.2KForm 4
Nov 21, 2025Thompson Tristan AntinChief Comm Bk Svcs &Pymt OffcrBuy480$21.00$10.1KForm 4
Nov 21, 2025Sprong Bradley NixonDirectorBuy4,500$21.00$94.5KForm 4
Nov 21, 2025Ross John ThomasPresident, CEOBuy42,000$21.00$882.0KForm 4
Nov 21, 2025Robuck Robert MarionDirectorBuy47,619$21.00$1.0MForm 4
Nov 21, 2025Robertson Edward Deroy Jr.DirectorBuy4,550$21.00$95.5KForm 4
Nov 21, 2025McClure Richard HaysDirectorBuy11,200$21.00$235.2KForm 4
Nov 21, 2025Kellett Scott McKinneyEVP of Wealth ManagementBuy1,000$21.00$21.0KForm 4
Nov 21, 2025Hermann Robert Ringen Jr.DirectorBuy47,619$21.00$1.0MForm 4
Nov 21, 2025Hallgren Eric AndrewEVP & Chief Credit OfficerBuy2,500$21.00$52.5KForm 4
Nov 21, 2025Goldammer Russell LeeEVP & CIOBuy2,000$21.00$42.0KForm 4
Nov 21, 2025Cook Sam BryanExecutive ChairmanBuy47,619$21.00$1.0MForm 4
Nov 21, 2025Digges Charles William Jr.DirectorBuy5,000$21.00$105.0KForm 4
Nov 21, 2025Colbert Jeremy WayneEVP, Gen Counsel & Corp SecBuy2,200$21.00$46.2KForm 4
Nov 21, 2025Ciroli JamesEVP & CFOBuy17,000$21.00$357.0KForm 4

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025John "JR" Ross$953.1K$3.5M37
2025S. Bryan Cook$973.1K$3.0M37
2025Robert M. Robuck(6, 7)$138.5K$929.6K37
2025Eric A. Hallgren$397.7K$834.5K37
2024Executive Chairman$928.1K$2.7M37
2024President & Chief Executive Officer$908.1K$2.6M37

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
CENTRAL TRUST Co7,551,083$229.4M4.1%+391,292
North Reef Capital Management LP4,600,000$139.7M5.4%+525,000
Fmr LLC2,295,404$69.7M0.0%−17,348
State Street Corp1,485,558$45.1M0.0%+1,040,370
BlackRock, Inc.1,360,878$41.3M0.0%+444,745
Massachusetts Financial Services Co /ma/1,160,398$35.3M0.0%−60,697
Goldman Sachs Group Inc832,643$25.3M0.0%+763,630
Bank Of America Corp /de/824,055$25.0M0.0%+695,835
American Century Companies Inc823,457$25.0M0.0%−405,094
Champlain Investment Partners, LLC822,018$25.0M0.6%−576,037
Schroder Investment Management Group724,091$22.0M0.0%+80,274
Geode Capital Management, LLC692,455$21.0M0.0%−18,043
Millennium Management LLC645,144$19.6M0.0%+386,173
Morgan Stanley635,900$19.3M0.0%+532,458
Azora Capital LP613,246$18.6M0.8%+29,910
Arrowstreet Capital, Limited Partnership596,842$18.1M0.0%+581,841
Royce & Associates LP514,112$15.6M0.1%New
Bnp Paribas Financial Markets493,705$15.0M0.0%+492,456
Man Group plc443,449$13.5M0.0%+184,070
Vanguard Capital Management LLC387,537$11.8M0.0%+9,575
Jpmorgan Chase & Co345,862$10.5M0.0%+344,872
BNP PARIBAS ASSET MANAGEMENT Holding S.A.336,688$10.2M0.0%New
UBS Group AG329,580$10.0M0.0%+258,580
Voleon Capital Management LP304,189$9.2M0.2%New
Charles Schwab Investment Management Inc298,254$9.1M0.0%−2,675

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How Central Bancompany is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARCentral Bancompany, Inc.2
  • CIK0002065601
  • Employer ID (EIN)43-09591146
  • Filer statusNon-accelerated filer an emerging growth company; not a smaller reporting company; not a shell company6
  • Incorporated inMissouri6
  • Fiscal year endsDecember 312
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance2
  • Business address238 Madison Street, Jefferson City, MO 651012
  • Phone(573) 634-11112
  • Shares outstanding239,505,133 as of Aug 10, 20268
  • Public float$2.0B as of Dec 31, 20256
  • AuditorKPMG LLP, Kansas City, Missouri PCAOB ID 185; no auditor attestation of internal control over financial reporting6
  • On EDGAR sinceApr 28, 20252
  • Filings85 in all: 4 (29), 3 (20), 8-K (7), 3/A (3), DRSLTR (3), 10-Q (2), DRS/A (2), S-8 (2)2
    All 24 form types

    UPLOAD (2), 10-K (1), 424B4 (1), 8-A12B (1), 8-K/A (1), ARS (1), CERT (1), DEF 14A (1), DEFA14A (1), DRS (1), FWP (1), S-1 (1), S-1/A (1), S-8 POS (1), SCHEDULE 13D (1), SCHEDULE 13G (1)

  • Latest filingsAnnual report (10-K) Mar 25, 2026
    Quarterly report (10-Q) Aug 14, 2026
    Proxy statement (DEF 14A) Mar 25, 2026
    Latest 8-K (8-K) Aug 4, 2026

Securities registered for trading

ClassSymbolExchange
Class A common stock, par value $0.01 per shareCBCThe Nasdaq Stock Market LLC

From the cover page of the 10-K filed Mar 25, 2026 (Section 12(b) of the Exchange Act).6

Risk factors and legal proceedings

The risks Central Bancompany names in Item 1A of its 10-K filed Mar 25, 2026: 49 risks under these headings, as written.6

  • Credit Risks
  • Market Risks
  • Liquidity Risks
  • Operational Risks
  • Legal, Regulatory and Compliance Risks
  • Strategic Risks
  • We may not be able to measure and manage our credit risk adequately, which could adversely affect our profitability.
  • Our allowance for credit losses may prove to be insufficient to absorb potential losses in our loan and lease portfolio.
  • The appraisals and other valuation techniques we use in evaluating and monitoring loans secured by real property, other real estate owned, and repossessed personal property may not accurately describe the net value of the asset.
  • We engage in lending secured by real estate and may be forced to foreclose on collateral and own the underlying real estate, subjecting us to the costs and potential risks associated with the ownership of real property, or consumer protection initiatives or changes in state or federal law may substantially raise the cost of foreclosure or prevent us from foreclosing at all.
  • We are subject to a variety of risks in connection with any sale of loans we may conduct.
  • Our business may be adversely affected by unfavorable economic conditions generally, and in Missouri and our other Primary Markets in particular.
The other 43 risks
  • Our business is significantly dependent on conditions in the real estate market, as a significant percentage of our loan and lease portfolio is secured by real estate, especially commercial real estate.
  • Our wealth management and trust business may be adversely affected by unfavorable economic and market conditions generally.
  • Changes in interest rates and monetary policy may adversely affect our results of operations.
  • Liquidity risks could affect operations and jeopardize our business, financial condition and results of operations.
  • Loss of deposits could increase our funding costs.
  • Our liquidity is dependent on dividends from The Central Trust Bank.
  • We may be adversely affected by changes in the actual or perceived soundness or condition of other financial institutions.
  • We may need to raise additional capital in the future, and such capital may not be available when needed or at all.
  • The occurrence of fraudulent activity, breaches or failures of our information security controls or cybersecurity-related incidents could have a material adverse effect on our business, financial condition, results of operations, and brand.
  • Employee misconduct or mistakes could expose us to significant legal liability and harm our brand.
  • Our operations could be interrupted if certain external vendors and third-party partners on which we rely experience difficulty, terminate their services or fail to comply with banking laws and regulations, and our use of these vendors and third-party partners is subject to increasing regulatory requirements and attention.
  • If our techniques for managing risks are ineffective, we may be exposed to material unanticipated losses.
  • We depend on the accuracy and completeness of information about customers and counterparties.
  • Our financial and accounting estimates and risk management framework rely on analytical forecasting and models.
  • Accounting rules require us to make subjective determinations and use estimates, which may vary from actual results and materially impact our financial condition and results of operations.
  • We are subject to risk arising from failure or circumvention of our controls and procedures.
  • Changes in our accounting policies or in accounting standards could materially affect how we report our financial results and condition.
  • We are subject to extensive government regulation and supervision.
  • We are subject to capital adequacy standards and, if we fail to meet these standards, we will be subject to restrictions on our ability to make capital distributions and other restrictions.
  • We are required to act as a source of financial and managerial strength for our Bank in times of stress.
  • Federal and state regulators periodically examine our business, and we may be required to remediate adverse examination findings.
  • We are subject to numerous laws designed to protect consumers, including the Community Reinvestment Act of 1977 and fair lending laws, and failure to comply with these laws could lead to a wide variety of sanctions.
  • Increases in FDIC insurance premiums and assessments may adversely affect our results of operations.
  • Litigation and regulatory actions, including possible enforcement actions, could subject us to significant fines, penalties, judgments or other requirements resulting in increased expenses or restrictions on our business activities.
  • We face a risk of non-compliance and enforcement actions with the federal Bank Secrecy Act of 1970 and other anti-money laundering and counter terrorist financing statutes and regulations.
  • Adverse developments in U.S. tax laws could have a material and adverse effect on our business, financial condition and results of operations. Our effective tax rate could also change materially as a result of various evolving factors, including changes in income tax law or changes in the scope of our operations.
  • We are subject to government regulation and oversight relating to data and privacy protection.
  • We may be subject to regulatory exam findings, claims, and litigation pertaining to our fiduciary responsibilities.
  • We are planning to terminate our frozen defined benefit pension plan, which could expose us to significant costs or delays.
  • Geographic concentration in our existing markets may unfavorably impact our long-term growth.
  • New lines of business, products or services may subject us to additional risks.
  • We may not be able to successfully execute our strategic plan.
  • Future acquisitions and expansion activities may not be successful or may disrupt our business, dilute shareholder value and adversely affect our operating results.
  • Our future success is dependent on our ability to compete effectively in a highly competitive industry and market areas.
  • We continually encounter technological changes and the failure to understand and adapt to these changes could hurt our business.
  • We are dependent on our management team and key employees.
  • We are exposed to risks of harm to our brand, which could negatively impact investor and customer confidence.
  • Risks Related to Our Common Stock
  • The Voting Trust has significant control over us, and its interests may conflict with ours or those of other investors in the future.
  • We are a “controlled company” within the meaning of Nasdaq rules and, as a result, qualify for exemptions from certain corporate governance requirements, and our shareholders do not have the same protections afforded to shareholders of companies that are subject to such requirements.
  • The market price of shares of our common stock may be volatile or may decline regardless of our operating performance, which could cause the value of an investment in our common stock to decline.
  • We qualify as an “emerging growth company,” and the reduced public company reporting requirements applicable to emerging growth companies may make our common stock less attractive to investors.
  • Fulfilling our public company financial reporting and other regulatory obligations as a public company will be expensive and time consuming and may strain our resources.
  • Certain federal banking laws, Missouri laws and provisions of our organizational documents may discourage or delay acquisition attempts for us that our shareholders might consider favorable.

Legal proceedings

The Company and its subsidiaries are defendants in various claims, legal actions and complaints arising in the ordinary course of business. We are not currently party to any legal or regulatory proceedings the resolution of which we believe would have a material adverse effect on our business, results of operation, or financial condition. See "Note 15, Commitments, Contingencies, and Guarantees,” to our consolidated financial statements included elsewhere in this Annual Report on Form 10-K for further information regarding our legal and regulatory proceedings.

The opening of Item 3, Legal Proceedings.6

Sources

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