CPBI on Nasdaq

Central Plains Bancshares, Inc.

American savings institution company, incorporated in Maryland1

In its 2026 annual report the company says: “Central Plains Bancshares, Inc. is a Maryland corporation and owns 100% of the outstanding common stock of Home Federal Savings and Loan Association of Grand Island.”9 Its shares trade on Nasdaq under the symbol CPBI.1

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Last updated Oct 20, 2026.

Overview

$4.0MNet income, fiscal 20262

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  • TickerCPBI on Nasdaq1
  • IndustrySavings Institution, Federally Chartered1
  • HeadquartersGrand Island, Nebraska1
  • Incorporated inMD3
  • Business address221 South Locust Street, Grand Island, Ne 688013
  • Filer category, Emerging growth company3

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Financials

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

Key numbers, fiscal 2026

4.5%Return on equity2
$5.8MFree cash flow2

Financial statements

Net income452$4.0M in 2026+143% since 2023
0$1.0M$2.0M$3.0M$4.0M2023: $1.6M$1.6M20232024: $3.8M$3.8M2024+128%2025: $3.7M$3.7M2025−3%2026: $4.0M$4.0M2026+9%

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

Period ending2026-03-312025-03-31
Loans-including fees$25.1M$22.2M
Investment securities$2.3M$2.1M
FHLB stock$28.0K$31.0K
Federal funds sold$260.0K$282.0K
Total interest and dividend income$27.7M$24.7M
Deposits$8.9M$8.1M
Borrowings and federal funds purchased$59.0K$99.0K
Total interest expense$9.0M$8.2M
Net interest income before provision for credit losses$18.7M$16.5M
Provision for credit losses$306.0K$200.0K
Net interest income after provision for credit losses$18.4M$16.3M
Servicing fees on loans$126.0K$132.0K
Service charges on deposit accounts$766.0K$912.0K
Interchange income$1.3M$1.3M
Gain on sale of loans, net$371.0K$215.0K
Gain from real estate owned and other repossessed assets, net$1.0K$2.0K
Other$135.0K$78.0K
Total non-interest income$2.7M$2.6M
Salaries and employee benefits$8.8M$7.9M
Occupancy and equipment$1.5M$1.1M
Data processing$1.9M$2.0M
Federal deposit insurance premiums$207.0K$192.0K
Debit card processing$268.0K$261.0K
Advertising$401.0K$387.0K
Other general and administrative expenses$3.0M$2.6M
Total non-interest expense$16.0M$14.4M
Income before income tax expense$5.0M$4.5M
Income tax expense$991.0K$869.0K
Net income$4.0M$3.7M
Earnings per share - basic$1.06$0.96
Earnings per share - diluted$1.05$0.96
Weighted average shares outstanding - basic3.8M shares3.8M shares
Weighted average shares outstanding - diluted3.8M shares3.8M shares

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Corporate structure

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

Major holders of Central Plains Bancshares, Inc.

  • Joseph Stilwell Filed SCHEDULE 13D/A on Central Plains Bancshares, Inc., latest Jul 9, 2026 (5 filings since Nov 5, 2024)
  • Home Federal Savings & Loan Association of Grand Island Employee Stock Ownership Plan Trust Filed SCHEDULE 13G on Central Plains Bancshares, Inc., latest Feb 13, 2026
  • M3 PARTNERS LP Filed SCHEDULE 13G/A on Central Plains Bancshares, Inc., latest May 15, 2025 (2 filings since Jul 22, 2024)
  • Principal Financial Group Filed SC 13G on Central Plains Bancshares, Inc., latest Feb 9, 2024
  • Central Plains Bancshares, Inc. Grand Island, Nebraska

Built from major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What Central Plains Bancshares, Inc. 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.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$23.5M2 Mar 31, 2026$23.9M2 Mar 31, 2025−1.9%
Accumulated depreciation$10.7M2 Mar 31, 2026$11.0M2 Mar 31, 2025−2.5%
Property and equipment, net$12.8M2 Mar 31, 2026$12.9M2 Mar 31, 2025−1.4%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$29.9M2 Mar 31, 2026$28.7M2 Mar 31, 2025+4.3%
Debt securities available for sale$62.5M2 Mar 31, 2026$59.4M2 Mar 31, 2025+5.3%
Debt securities held to maturity$175.0K2 Mar 31, 2026$222.0K2 Mar 31, 2025−21.2%
Deposits held (banks)$460.4M2 Mar 31, 2026$416.2M2 Mar 31, 2025+10.6%

Properties, in its own words

We operate from our main office in Grand Island, Nebraska, eight branch offices located in Grand Island, Hastings, Holdrege, Lexington, Lincoln and Superior, Nebraska, and a drive-up facility in Grand Island, Nebraska. At March 31, 2026, the net book value of our properties (including furniture, fixtures and equipment) was $12.8 million. We own seven of our properties and lease the remaining property. Our properties range in size from 1,150 square feet to 12,197 square feet. We believe that our current facilities are adequate to meet our present and foreseeable needs.

Item 2 of the 10-K filed Jun 18, 2026.9

Leadership

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

Chief executive

  1. Steven D. Kunzman2023–2025
  2. Daniel R. Garness2025–now

President

  1. Steven D. Kunzman2023–2025
  2. Daniel R. Garness2025–now

Chief financial officer

  1. Bradley M. Kool2023–now

Chief operating officer

  1. Lisa A. Harris2023–now
2025
Board members and other officers (11)

Timeline

  1. Sep 23, 20268-K Executive or director change24
  2. Sep 10, 20268-K Other events25
  3. Aug 28, 20268-K Shareholder vote26
  4. Jul 30, 20268-K Other events27
  5. Jul 14, 20268-K Executive or director change28
  6. Jul 9, 20268-K Executive or director change; Other events29
  7. Aug 28, 20258-K Shareholder vote30
  8. Jul 23, 20258-K Executive or director change31
  9. Jun 16, 2025New chief executive Daniel R. Garness becomes CEO10
  10. May 5, 20258-K Executive or director change32
  11. Dec 2, 20248-K Shareholder vote33
  12. Oct 28, 20248-K Other events34
  13. Apr 26, 20248-K Executive or director change35
  14. Oct 19, 2023New chief executive Steven D. Kunzman becomes CEO11

Calendar

Coming up

  1. Nov 12, 2026Reports results for the quarter ending Sep/202636

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

Filings

99 filings to the SEC since October 2021: 4 annual reports, 10 quarterly reports, 19 major events, 26 insider forms, 9 large holders, 31 other. The latest 20:

  1. Sep 23, 20268-K CURRENT REPORT FILING EDGAR
  2. Sep 10, 20268-K EDGAR
  3. Aug 28, 20268-K EDGAR
  4. Aug 12, 202610-Q EDGAR
  5. Jul 30, 20268-K CURRENT REPORT FILING EDGAR
  6. Jul 27, 2026DFRN14A EDGAR
  7. Jul 24, 2026DEFC14A EDGAR
  8. Jul 21, 2026DFAN14A EDGAR
  9. Jul 21, 2026DEFC14A EDGAR
  10. Jul 14, 20268-K CURRENT REPORT FILING EDGAR
  11. Jul 14, 2026DFAN14A EDGAR
  12. Jul 10, 2026PREC14A EDGAR
  13. Jul 10, 2026PREC14A EDGAR
  14. Jul 9, 20263 EDGAR
  15. Jul 9, 20268-K CURRENT REPORT FILING EDGAR
  16. Jul 9, 2026SCHEDULE 13D/A EDGAR
  17. Jul 2, 202611-K EDGAR
  18. Jun 30, 2026NT 11-K CENTRAL PLAINS BANCSHARES, INC. 12B-25 EDGAR
  19. Jun 23, 2026SCHEDULE 13D/A EDGAR
  20. Jun 18, 202610-K EDGAR

The 99 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.

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
2025Steven D. KunzmanChairman of the Board of Directors, Former President and Chief Executive Officer$241.5K$1.1M41
2025Kurt A. HaeckerExecutive Vice President and Chief Lending Officer$186.9K$727.6K41
2025Lisa A. HarrisExecutive Vice President and Chief Operating Officer$153.2K$675.5K41
2024Steven D. KunzmanChairman of the Board of Directors, Former President and Chief Executive Officer$230.1K$385.0K41
2024Kurt A. HaeckerExecutive Vice President and Chief Lending Officer$178.3K$282.8K41
2024Lisa A. HarrisExecutive Vice President and Chief Operating Officer$146.1K$231.6K41

Held by these funds

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

FundSharesValueShare of the fundChange
Stilwell Value LLC406,874$7.7M4.4%+39,973
Graham Capital Wealth Management, LLC176,072$3.4M2.6%−1,580
Oppenheimer & Close, LLC165,007$3.1M2.0%No change
Mangrove Partners Im, LLC158,097$3.0M0.2%No change
Vanguard Capital Management LLC153,638$2.9M0.0%−137
Alliancebernstein L.P.134,218$2.3M0.0%+5,669
Minerva Advisors LLC49,117$934.7K0.6%No change
Geode Capital Management, LLC36,846$701.6K0.0%+673
Renaissance Technologies LLC24,200$460.5K0.0%+300
Vanguard Fiduciary Trust Co18,766$357.1K0.0%+137
BlackRock, Inc.12,276$233.6K0.0%+3,118
State Street Corp11,604$220.8K0.0%No change
Farmers & Merchants Investments Inc1,833$34.9K0.0%No change
Vanguard Global Advisers, LLC1,443$27.5K0.0%No change
UBS Group AG234$4.5K0.0%New
Russell Investments Group, Ltd.65$1.2K0.0%No change
Cambridge Investment Research Advisors, Inc.53,462$1.0K0.0%+26,731
Barclays PLC10$1900.0%New

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

SEC filer profile

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

  • Name on EDGARCentral Plains Bancshares, Inc.1
  • CIK0001979332
  • Employer ID (EIN)93-22392469
  • Filer statusNon-accelerated filer an emerging growth company; a smaller reporting company; not a shell company9
  • Incorporated inMaryland9
  • Fiscal year endsMarch 311
  • Industry code (SIC)6035 Savings Institution, Federally Chartered1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address221 South Locust Street, Grand Island, NE 688011
  • Phone308-382-40001
  • Shares outstanding4,172,236 as of Aug 12, 20268
  • Public float$57.0M as of Sep 30, 20259
  • AuditorPlante & Moran, PLLC, Chicago, Illinois PCAOB ID 166; no auditor attestation of internal control over financial reporting9
  • On EDGAR sinceJun 14, 20231
  • Filings99 in all: 8-K (19), 3 (14), 4 (12), 10-Q (10), SCHEDULE 13D/A (4), 10-K (3), 11-K (3), CORRESP (3)1
    All 28 form types

    DFAN14A (3), S-1/A (3), 424B3 (2), DEF 14A (2), DEFC14A (2), PREC14A (2), S-8 (2), SC 13G (2), UPLOAD (2), 10-K/A (1), 8-A12B (1), ARS (1), CERT (1), DFRN14A (1), EFFECT (1), NT 11-K (1), S-1 (1), SC 13D (1), SCHEDULE 13G (1), SCHEDULE 13G/A (1)

  • Latest filingsAnnual report (10-K) Jun 18, 2026
    Quarterly report (10-Q) Aug 12, 2026
    Proxy statement (DEF 14A) Jul 25, 2025
    Latest 8-K (8-K) Sep 23, 2026

Securities registered for trading

ClassSymbolExchange
Common Stock, par value $0.01 shareCPBINASDAQ

From the cover page of the 10-K filed Jun 18, 2026 (Section 12(b) of the Exchange Act).9

Risk factors and legal proceedings

The risks Central Plains Bancshares, Inc. names in Item 1A of its 10-K filed Jun 18, 2026: 42 risks under these headings, as written.9

  • Risks Related to Market Interest Rates
  • Future changes in interest rates could reduce our profits and asset values.
  • Risks Related to Our Lending Activities
  • Our real estate commercial loans involve credit risks that could adversely affect our financial condition and results of operations.
  • Our agricultural loans involve credit risks that could adversely affect our financial condition and results of operations.
  • Our commercial and industrial loans involve credit risks that could adversely affect our financial condition and results of operations.
  • Our real estate construction loans involve credit risks that could adversely affect our financial condition and results of operations.
  • Our historical emphasis on real estate residential loans exposes us to lending risks.
  • If our allowance for credit losses is not sufficient to cover actual loan losses, our earnings could decrease.
  • We are subject to environmental liability risk associated with our lending activities and owned properties.
  • Our mortgage banking revenue and the value of our mortgage servicing rights can be volatile.
  • The foreclosure process may adversely impact our recoveries on non-performing loans.
The other 32 risks
  • Risks Related to Laws and Regulations
  • Changes in laws and regulations and the cost of regulatory compliance may adversely affect our operations and increase our expenses.
  • Non-compliance with the USA PATRIOT Act, Bank Secrecy Act, or related regulations could result in significant penalties.
  • We may become subject to enforcement actions, even in cases of inadvertent noncompliance.
  • Monetary policies of the Federal Reserve may adversely affect our business and results of operations.
  • Capital requirements may limit our operations and adversely affect our return on equity.
  • Our status as an emerging growth company may make our common stock less attractive to investors.
  • Our status as a smaller reporting company may also reduce disclosure comparability.
  • The Federal Reserve Board may require us to provide financial support to our bank subsidiary.
  • Risks Related to Economic Conditions
  • Changes in trade policies and tariffs could adversely affect our business, financial condition, and results of operations.
  • Inflation could adversely affect our financial performance and our customers' ability to repay loans.
  • Our concentration in real estate lending and our limited geographic diversification increase our exposure to adverse economic conditions.
  • A deterioration in economic conditions could reduce demand for our products and services and increase credit-related risks.
  • Significant changes to the size, structure, powers and operations of the federal government, changes to U.S. economic policies, and uncertainties regarding the potential for these changes may cause economic disruptions that could, in turn, adversely impact our business, results of operations and financial condition.
  • Risks Related to our Business Strategy
  • Our growth strategy may not be successful and may adversely affect our financial condition and results of operations.
  • Our growth may require additional capital, which may not be available on acceptable terms, if at all.
  • Risks Related to Competitive Matters
  • Strong competition may limit our growth and profitability.
  • Our relatively small size may limit our ability to compete effectively.
  • Risks Related to Operational Matters
  • We are subject to operational and cybersecurity risks, including risks related to technology failures and data security breaches
  • Our board relies on management and external advisors for oversight of cybersecurity risk.
  • The loss of key personnel could adversely affect our business.
  • Liquidity constraints or funding disruptions could adversely affect our operations and financial condition.
  • Future potential reliance on and integration of artificial intelligence (AI) and machine learning (ML) technologies could expose us to various risks, including operational, data, regulatory, and reputational risks, which could materially affect our business and financial results.
  • The financial condition of other financial institutions could adversely affect us.
  • Our inability to tailor our retail delivery model to respond to consumer preferences in banking may negatively affect earnings.
  • Risks Related to Acquisitions
  • Acquisitions may not achieve expected benefits and may adversely affect our financial condition.
  • Risks Related to Accounting Matters
  • Changes in estimates and assumptions could materially affect our financial statements.
  • Changes in accounting standards could impact reported results.
  • Other Risks Related to Our Business
  • Our reputation is critical to our success.
  • Climate-related risks may adversely affect our business and customers.
  • Government shutdowns, natural disasters, and other external events could adversely affect our operations.
  • Anti-takeover provisions may limit changes in control.
  • Our articles of incorporation provide that, subject to limited exception, state and federal courts in the State of Maryland are the sole and exclusive forum for certain stockholder litigation matters, which could limit our stockholders’ ability to obtain a favorable judicial forum for disputes with us or our directors, officers, and other employees.

Legal proceedings

At March 31, 2026, we were not involved in any legal proceedings, the outcome of which we believe would be material to our financial condition or results of operations.

The opening of Item 3, Legal Proceedings.9

Sources

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