Here are the 10-K annual reports from Central Bancompany (CBCY) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow CBCY and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full CBCY filings page.
Central Bancompany, Inc., a Jefferson City, Missouri-based bank holding company, reports a community banking franchise with $20.75 billion in total assets and $16.0 billion in wealth assets under advice as of December 31, 2025. Operations are centered on 11 Primary Markets across Missouri, Kansas, Oklahoma and Colorado, plus growth initiatives in Florida, delivered through 155 full-service branches serving 79 communities.
The company balances Consumer, Commercial and Wealth Management businesses, with consolidated deposits of $15.9 billion, including 35.4% noninterest-bearing accounts and a 2025 total deposit cost of 1.18%. Consolidated ROAA was 2.03%, supported by granular, low-cost funding and diversified lending across CRE, C&I, residential real estate and consumer loans.
Capital levels are significantly above regulatory minimums: at December 31, 2025, the holding company reported a CET1 ratio of 28.1% and leverage ratio of 15.7%, while the bank reported a CET1 ratio of 12.6% and leverage ratio of 8.3%, qualifying as well capitalized. Its strategic plan, “The Road Ahead,” focuses on customer growth, deeper relationships and selective acquisitions in faster-growing states.