Overview
- 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
See how the biggest companies compare on our leaderboards

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.
Products and services by year
| Products and services | 2024 | 2025 |
|---|---|---|
| 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
Every line of the income statement as filed: the last 2 fiscal years, latest first.5
| Period ending | 2025-12-31 | 2024-12-31 |
|---|---|---|
| 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 |
No quarter-by-quarter statement was filed.
Every line of the balance sheet as filed: the last 5 fiscal years (annual) or 5 quarters (quarterly), latest first.5
| Period ending | 2025-12-31 | 2025-09-30 | 2025-04-30 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|---|---|
| Cash and due from banks | $258.6M | $265.2M | |||
| Short-term earning assets | $1.8B | $976.6M | |||
| Interest-bearing deposits | $1.0M | $699.0K | |||
| Net carrying amount | $6.4B | $5.6B | |||
| Amortized cost | $1.7M | $3.2M | |||
| Equity | $48.2M | $48.8M | |||
| Trading | $0 | $666.0K | |||
| Total investment securities | $6.4B | $5.7B | |||
| Loans held for investment | $11.4B | $11.6B | |||
| Less allowance for credit losses | -$149.7M | -$154.3M | -$154.8M | ||
| Total loans held for investment | $11.3B | $11.5B | |||
| Loans held for sale | $54.1M | $34.3M | |||
| Land, buildings, and equipment, net | $215.9M | $215.3M | |||
| Deferred tax assets, net | $0 | $23.3M | |||
| Goodwill and intangibles | $351.7M | $354.9M | |||
| Other assets | $357.8M | $246.0M | |||
| Total assets | $20.8B | $19.2B | |||
| Noninterest-bearing demand | $5.6B | $5.2B | |||
| Savings and interest-bearing demand | $8.6B | $8.0B | |||
| Time | $1.6B | $1.7B | |||
| Total deposits | $15.9B | $15.0B | |||
| Federal funds sold and securities purchased under agreements to resell | $1.0B | $1.0B | |||
| Total customer funds | $16.9B | $16.0B | |||
| Deferred tax liabilities, net | $11.7M | $0 | |||
| Other liabilities | $81.8M | $138.7M | |||
| Total liabilities | $17.0B | $16.1B | |||
| Preferred stock | $0 | $0 | |||
| Capital surplus | $419.4M | $13.3M | |||
| Retained earnings | $3.5B | $3.3B | |||
| Accumulated other comprehensive (loss) | -$16.9M | -$139.9M | |||
| Stockholders' Equity before Treasury Stock | $3.9B | $3.2B | |||
| Treasury Stock, Value | -$99.2M | -$99.4M | |||
| Total stockholders' equity | $3.8B | $3.1B | $2.7B | ||
| Total liabilities and stockholders' equity | $20.8B | $19.2B | |||
| Allowance for credit losses | $10.0K | $21.0K | |||
| Fair values | $1.7M | $3.2M | |||
| Preferred stock, par value (in dollars per share) | $0.01 | ||||
| Preferred stock, shares authorized (in shares) | 50.0M shares | 50.0M shares | |||
| Preferred stock, shares issued (in shares) | 0 shares | 0 shares | |||
| Common stock, par value (in dollars per share) | $0.01 | $0.01 | |||
| Common stock, shares authorized (in shares) | 600.0M shares | ||||
| Treasury stock (in shares) | 77.1M shares | 77.4M shares |
| Period ending | 2025-12-31 | 2025-09-30 | 2025-04-30 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|---|---|
| Cash and due from banks | $258.6M | $265.2M | |||
| Short-term earning assets | $1.8B | $976.6M | |||
| Interest-bearing deposits | $1.0M | $699.0K | |||
| Net carrying amount | $6.4B | $5.6B | |||
| Amortized cost | $1.7M | $3.2M | |||
| Equity | $48.2M | $48.8M | |||
| Trading | $0 | $666.0K | |||
| Total investment securities | $6.4B | $5.7B | |||
| Loans held for investment | $11.4B | $11.6B | |||
| Less allowance for credit losses | -$149.7M | -$154.3M | -$154.8M | ||
| Total loans held for investment | $11.3B | $11.5B | |||
| Loans held for sale | $54.1M | $34.3M | |||
| Land, buildings, and equipment, net | $215.9M | $215.3M | |||
| Deferred tax assets, net | $0 | $23.3M | |||
| Goodwill and intangibles | $351.7M | $354.9M | |||
| Other assets | $357.8M | $246.0M | |||
| Total assets | $20.8B | $19.2B | |||
| Noninterest-bearing demand | $5.6B | $5.2B | |||
| Savings and interest-bearing demand | $8.6B | $8.0B | |||
| Time | $1.6B | $1.7B | |||
| Total deposits | $15.9B | $15.0B | |||
| Federal funds sold and securities purchased under agreements to resell | $1.0B | $1.0B | |||
| Total customer funds | $16.9B | $16.0B | |||
| Deferred tax liabilities, net | $11.7M | $0 | |||
| Other liabilities | $81.8M | $138.7M | |||
| Total liabilities | $17.0B | $16.1B | |||
| Preferred stock | $0 | $0 | |||
| Capital surplus | $419.4M | $13.3M | |||
| Retained earnings | $3.5B | $3.3B | |||
| Accumulated other comprehensive (loss) | -$16.9M | -$139.9M | |||
| Stockholders' Equity before Treasury Stock | $3.9B | $3.2B | |||
| Treasury Stock, Value | -$99.2M | -$99.4M | |||
| Total stockholders' equity | $3.8B | $3.1B | $2.7B | ||
| Total liabilities and stockholders' equity | $20.8B | $19.2B | |||
| Allowance for credit losses | $10.0K | $21.0K | |||
| Fair values | $1.7M | $3.2M | |||
| Preferred stock, par value (in dollars per share) | $0.01 | ||||
| Preferred stock, shares authorized (in shares) | 50.0M shares | 50.0M shares | |||
| Preferred stock, shares issued (in shares) | 0 shares | 0 shares | |||
| Common stock, par value (in dollars per share) | $0.01 | $0.01 | |||
| Common stock, shares authorized (in shares) | 600.0M shares | ||||
| Treasury stock (in shares) | 77.1M shares | 77.4M shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow as filed: the last 2 fiscal years, latest first.5
| Period ending | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Net income | $390.9M | $305.8M |
| Depreciation and amortization | $20.0M | $19.2M |
| Net (accretion) amortization of discounts and premiums | -$20.7M | $7.6M |
| Deferred income taxes | -$3.4M | -$6.7M |
| Provision for credit losses | $9.3M | $14.6M |
| Net gain on sale of loans | -$29.7M | -$29.0M |
| Net change in trading debt securities | $666.0K | -$670.0K |
| Net investment securities losses | $6.8M | $36.7M |
| Originations of mortgage loans held for sale | -$1.3B | -$1.3B |
| Proceeds from sales of mortgage loans held for sale | $1.3B | $1.3B |
| Stock-based compensation | $3.1M | $3.5M |
| (Increase) decrease in other assets | -$112.8M | $8.3M |
| (Decrease) in other liabilities | -$39.3M | -$20.9M |
| Net cash provided by operating activities | $248.2M | $363.3M |
| Purchase of available-for-sale securities | -$2.6B | -$3.8B |
| Purchase of equity securities | -$234.0K | -$10.6M |
| Proceeds from sales of available-for-sale securities | $315.2M | $1.0B |
| Proceeds from sales of equity securities | $913.0K | $26.7M |
| Proceeds from maturities of available-for-sale securities | $1.6B | $2.2B |
| Proceeds from maturities of held-to-maturity securities | $1.5M | $836.0K |
| Net change in interest-bearing deposits | -$340.0K | $489.0K |
| Net decrease (increase) in loans | $161.9M | -$148.7M |
| Purchase of land, buildings, and equipment | -$16.8M | -$25.2M |
| Proceeds from sale of land, buildings, and equipment | $433.0K | $11.9M |
| Net cash (used in) investing activities | -$463.7M | -$633.9M |
| Increase (decrease) in deposits | $938.6M | -$53.2M |
| (Decrease) increase in time deposits | -$61.8M | $169.5M |
| Increase (decrease) in federal funds purchased and customer repurchase agreements | $4.6M | -$218.9M |
| Dividends paid | $246.5M | $57.5M |
| Purchase of treasury stock | $0 | -$12.1M |
| Proceeds from stock issuance, net | $403.1M | $0 |
| Net cash provided by (used in) financing activities | $1.0B | -$172.2M |
| Net increase (decrease) in cash and cash equivalents | $822.3M | -$442.8M |
| Interest paid | $199.3M | $216.1M |
| Income taxes paid | $144.4M | $92.0M |
| Loans transferred to foreclosed assets held for sale | $4.4M | $4.9M |
No quarter-by-quarter statement was filed.
Leadership
Who has led Central Bancompany, and when. Pick a name to see everywhere that person has worked.
- ChairSam Bryan Cook Nov 19, 2025 to now8
- Chief financial officerJames Ciroli Nov 19, 2025 to now9
Board members and other officers (14)
- SVP & Chief Risk OfficerCarey Denise Schoeneberg Nov 19, 2025 to now10
- SEVP & Chief Customer OfficerDaniel Harold Westhues Nov 19, 2025 to now11
- EVP & Chief Credit OfficerEric Andrew Hallgren Nov 19, 2025 to now12
- OfficerJeremy Wayne Colbert Nov 19, 2025 to now13
- EVP & CIORussell Lee Goldammer Nov 19, 2025 to now14
- EVP of Wealth ManagementScott McKinney Kellett Nov 19, 2025 to now15
- OfficerTristan Antin Thompson Nov 19, 2025 to now16
- Board memberBradley Nixon Sprong Nov 19, 2025 to now17
- Board memberCharles E. Kruse Nov 19, 2025 to now18
- Board memberCharles William Digges Jr. Nov 19, 2025 to now19
- Board memberEdward Deroy Robertson Jr. Nov 19, 2025 to now20
- Board memberRichard Hays McClure Nov 19, 2025 to now21
- Board memberRobert Marion Robuck Nov 19, 2025 to now22
- Board memberRobert Ringen Hermann Jr. Nov 19, 2025 to now23
Employees over time
- 20262,9011
Timeline
- 1970Founded Founded1
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:
- Aug 14, 202610-Q EDGAR
- Aug 4, 20268-K EDGAR
- May 15, 202610-Q EDGAR
- May 5, 2026S-8 EDGAR
- May 5, 20268-K EDGAR
- Apr 28, 20268-K EDGAR
- Mar 26, 2026ARS EDGAR
- Mar 25, 2026DEF 14A EDGAR
- Mar 25, 2026DEFA14A EDGAR
- Mar 25, 202610-K EDGAR
- Mar 4, 20264 EDGAR
- Mar 4, 20264 EDGAR
- Mar 4, 20264 EDGAR
- Mar 4, 20264 EDGAR
- Mar 4, 20264 EDGAR
- Mar 4, 20264 EDGAR
- Mar 4, 20264 EDGAR
- Mar 4, 20264 EDGAR
- Mar 4, 20264 EDGAR
- 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.
| Date | Who | Trade | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| Feb 6, 2026 | Ross John ThomasPresident, CEO | Buy | 40,000 | $24.50 | $980.0K | Form 4 |
| Nov 21, 2025 | Schoeneberg Carey DeniseSVP & Chief Risk Officer | Buy | 1,100 | $21.00 | $23.1K | Form 4 |
| Nov 21, 2025 | KRUSE CHARLES EDirector | Buy | 2,500 | $21.00 | $52.5K | Form 4 |
| Nov 21, 2025 | Westhues Daniel HaroldSEVP & Chief Customer Officer | Buy | 4,200 | $21.00 | $88.2K | Form 4 |
| Nov 21, 2025 | Thompson Tristan AntinChief Comm Bk Svcs &Pymt Offcr | Buy | 480 | $21.00 | $10.1K | Form 4 |
| Nov 21, 2025 | Sprong Bradley NixonDirector | Buy | 4,500 | $21.00 | $94.5K | Form 4 |
| Nov 21, 2025 | Ross John ThomasPresident, CEO | Buy | 42,000 | $21.00 | $882.0K | Form 4 |
| Nov 21, 2025 | Robuck Robert MarionDirector | Buy | 47,619 | $21.00 | $1.0M | Form 4 |
| Nov 21, 2025 | Robertson Edward Deroy Jr.Director | Buy | 4,550 | $21.00 | $95.5K | Form 4 |
| Nov 21, 2025 | McClure Richard HaysDirector | Buy | 11,200 | $21.00 | $235.2K | Form 4 |
| Nov 21, 2025 | Kellett Scott McKinneyEVP of Wealth Management | Buy | 1,000 | $21.00 | $21.0K | Form 4 |
| Nov 21, 2025 | Hermann Robert Ringen Jr.Director | Buy | 47,619 | $21.00 | $1.0M | Form 4 |
| Nov 21, 2025 | Hallgren Eric AndrewEVP & Chief Credit Officer | Buy | 2,500 | $21.00 | $52.5K | Form 4 |
| Nov 21, 2025 | Goldammer Russell LeeEVP & CIO | Buy | 2,000 | $21.00 | $42.0K | Form 4 |
| Nov 21, 2025 | Cook Sam BryanExecutive Chairman | Buy | 47,619 | $21.00 | $1.0M | Form 4 |
| Nov 21, 2025 | Digges Charles William Jr.Director | Buy | 5,000 | $21.00 | $105.0K | Form 4 |
| Nov 21, 2025 | Colbert Jeremy WayneEVP, Gen Counsel & Corp Sec | Buy | 2,200 | $21.00 | $46.2K | Form 4 |
| Nov 21, 2025 | Ciroli JamesEVP & CFO | Buy | 17,000 | $21.00 | $357.0K | Form 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.
- CENTRAL TRUST BANK/MOSCHEDULE 13G, 1 filing Dec 12, 202524
- Central Bancompany, Inc. Amended & Restated Voting Trust Agreement, dated March 5, 2025SCHEDULE 13D, 1 filing Nov 26, 202525
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.
| Fund | Shares | Value | Share of the fund | Change |
|---|---|---|---|---|
| CENTRAL TRUST Co | 7,551,083 | $229.4M | 4.1% | +391,292 |
| North Reef Capital Management LP | 4,600,000 | $139.7M | 5.4% | +525,000 |
| Fmr LLC | 2,295,404 | $69.7M | 0.0% | −17,348 |
| State Street Corp | 1,485,558 | $45.1M | 0.0% | +1,040,370 |
| BlackRock, Inc. | 1,360,878 | $41.3M | 0.0% | +444,745 |
| Massachusetts Financial Services Co /ma/ | 1,160,398 | $35.3M | 0.0% | −60,697 |
| Goldman Sachs Group Inc | 832,643 | $25.3M | 0.0% | +763,630 |
| Bank Of America Corp /de/ | 824,055 | $25.0M | 0.0% | +695,835 |
| American Century Companies Inc | 823,457 | $25.0M | 0.0% | −405,094 |
| Champlain Investment Partners, LLC | 822,018 | $25.0M | 0.6% | −576,037 |
| Schroder Investment Management Group | 724,091 | $22.0M | 0.0% | +80,274 |
| Geode Capital Management, LLC | 692,455 | $21.0M | 0.0% | −18,043 |
| Millennium Management LLC | 645,144 | $19.6M | 0.0% | +386,173 |
| Morgan Stanley | 635,900 | $19.3M | 0.0% | +532,458 |
| Azora Capital LP | 613,246 | $18.6M | 0.8% | +29,910 |
| Arrowstreet Capital, Limited Partnership | 596,842 | $18.1M | 0.0% | +581,841 |
| Royce & Associates LP | 514,112 | $15.6M | 0.1% | New |
| Bnp Paribas Financial Markets | 493,705 | $15.0M | 0.0% | +492,456 |
| Man Group plc | 443,449 | $13.5M | 0.0% | +184,070 |
| Vanguard Capital Management LLC | 387,537 | $11.8M | 0.0% | +9,575 |
| Jpmorgan Chase & Co | 345,862 | $10.5M | 0.0% | +344,872 |
| BNP PARIBAS ASSET MANAGEMENT Holding S.A. | 336,688 | $10.2M | 0.0% | New |
| UBS Group AG | 329,580 | $10.0M | 0.0% | +258,580 |
| Voleon Capital Management LP | 304,189 | $9.2M | 0.2% | New |
| Charles Schwab Investment Management Inc | 298,254 | $9.1M | 0.0% | −2,675 |
13F reports cover disclosed long positions in U.S. stocks only.
Links
- Websitewww.centralbank.net/central-bancompany1
- WikidataQ141129581
- SEC EDGARCIK 2065601
Sources
The numbers on this page point here. Each one links to the record it came from.
- 1WikidataCentral Bancompany on Wikidata
- 2
- 3Company websiteCentral Bancompany logo
- 4
- 5
- 6
- 7
- 8SEC EDGARSam Bryan Cook, Chair
- 9
- 10
- 11
- 12
- 13SEC EDGARJeremy Wayne Colbert, Officer
- 14SEC EDGARRussell Lee Goldammer, EVP & CIO
- 15
- 16SEC EDGARTristan Antin Thompson, Officer
- 17SEC EDGARBradley Nixon Sprong, Board member
- 18SEC EDGARCharles E. Kruse, Board member
- 19
- 20
- 21SEC EDGARRichard Hays McClure, Board member
- 22SEC EDGARRobert Marion Robuck, Board member
- 23
- 24
- 25