Central Bancompany, Inc.
centralbank.netWhat Do They Do?
Provides deposits, loans and wealth-management services to individuals, businesses and public and community organizations.
10-K for FY2025, filed Mar 25, 2026We are a bank holding company headquartered in Jefferson City, Missouri. As of December 31, 2025, we had total consolidated balance sheet…View ↗
Our business model is designed to serve the holistic financial services needs of businesses, individuals, agencies and community…View ↗
Consumer Banking serves approximately 257,000 households through our network of 155 full-service branches and approximately 1,400 full-time…View ↗
Through our network of commercial bankers across our footprint, Commercial Banking provides full-service relationship banking solutions to…View ↗
Our Wealth Management line of business consists of two platforms: Central Trust Company and Central Investment Advisors, supported by a…View ↗
How Do They Make Money?
Customers pay fees for processed card transactions, fiduciary and brokerage services, and deposit accounts. Card fees are tied to activity and settled daily; deposit fees can be monthly or transaction-based, trust-management fees are generally charged monthly, and brokerage commissions are paid when trades settle.
10-K for FY2025, filed Mar 25, 2026Trust and asset management income is primarily comprised of fees earned from the management and administration of trusts, settlement of…View ↗
Service charges on deposit accounts consist of account analysis fees (i.e., net fees earned on analyzed business and public checking…View ↗
The Company provides corporate cash management services to its business customers to meet their various transaction processing needs. Such…View ↗
Payment services revenue includes bankcard transaction fees, exchange, and other service charges that are primarily comprised of debit and…View ↗
Brokerage services revenue is comprised of commissions received upon the execution of purchases and sales of mutual fund shares and equity…View ↗
-
10-K for FY2025, filed Mar 25, 2026
FY2025 revenue by product or service (Other income revenues) ↗
$989.9M
-
10-K for FY2025, filed Mar 25, 2026
$989.9M ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
Service charges and commissions
|
28% |
Service charges and commissions, FY2025
$57.6M Sources
|
|
|
Service Revenue
Usage-based
10-K for FY2025, filed Mar 25, 2026 |
33% |
Service Revenue, FY2025
$67.6M Sources
|
Usage-based |
|
Brokerage services
|
14% |
Brokerage services, FY2025
$28.7M Sources
|
|
|
Fees for fiduciary services
|
25% |
Fees for fiduciary services, FY2025
$52M Sources
|
Who Are Their Customers?
Individuals use the bank’s branches and digital services; businesses, government bodies and community organizations work with commercial bankers. Wealth clients receive services through Central Trust Company and Central Investment Advisors, including through a partnership with LPL Financial.
10-K for FY2025, filed Mar 25, 2026Consumer Banking serves approximately 257,000 households through our network of 155 full-service branches and approximately 1,400 full-time…View ↗
Through our network of commercial bankers across our footprint, Commercial Banking provides full-service relationship banking solutions to…View ↗
Commercial Banking includes our government business, which held approximately $2.6 billion of public funds across approximately 450…View ↗
Our Wealth Management line of business consists of two platforms: Central Trust Company and Central Investment Advisors, supported by a…View ↗
In addition, the Bank maintains a partnership agreement with LPL Financial LLC (“LPL”), which offers securities and advisory services to…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 39 cents of every revenue dollar as net income in FY2025 and turned 23 cents into free cash flow.
How Are They Changing?
- Net income
-
Sources
10-Q for Q2 FY2026, filed Aug 14, 2026
$113.8MView ↗
- ▲ +25%
- vs $91.4M in Q2 FY2025
10-Q for Q2 FY2026, filed Aug 14, 2026
Open tableView ↗
Growing.
Revenue grew 9% in 1 year, from $905M in FY2024 to $989.9M in FY2025, about 9% a year.
10-K for FY2025, filed Mar 25, 2026
Loading...
