The bank maintains a stable capital structure with an equity-to-assets ratio of 0.16, supported by a $118.8 million investment securities portfolio used to manage liquidity.
| Cash & Short Term Investments | 70M | 80.81M | 11.45M | 16.56M | 0 |
| Cash & Due from Banks | 7.46M | 28.68M | 11.45M | 16.56M | 0 |
| Short Term Investments | 62.53M | 52.12M | 0 | 0 | 0 |
| Total Investments | 62.53M | 111.71M | 60.66M | 58.26M | 0 |
| Investments Growth % | -44.02% | 84.16% | 4.12% | - | - |
| Long-Term Investments | 0 | 59.59M | 60.66M | 58.26M | 0 |
| Accounts Receivables | 0 | 3.1M | 2.25M | 350.63M | 0 |
| Goodwill & Intangibles | 415K | 380K | 403K | 434K | 0 |
| Goodwill | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 415K | 380K | 403K | 434K | 0 |
| PP&E (Net) | 12.76M | 12.94M | 5.87M | 4.1M | 4.29M |
| Other Assets | -415K | -72.91M | 3.86M | 4.51M | -7.63M |
| Total Current Assets | 73.25M | 0 | 13.7M | 367.19M | 20.32M |
| Total Non-Current Assets | 12.76M | 0 | 74.6M | 70.6M | 0 |
| Total Assets | 558.65M | 508.7M | 463.28M | 437.79M | 413.86M |
| Asset Growth % | 9.82% | 9.8% | 5.82% | 5.78% | - |
| Return on Assets (ROA) | 0.75% | 0.75% | 0.83% | 0.39% | 0.76% |
| Accounts Payable | 1.73M | 1.72M | 3.9M | 3.48M | 0 |
| Total Debt | 195K | 0 | 303K | 0 | 0 |
| Net Debt | -7.27M | -28.68M | -11.15M | -16.56M | 0 |
| Long-Term Debt | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 43K | 0 | 66K | 0 | 0 |
| Other Liabilities | 469.46M | 0 | 316.61M | 394.98M | -473K |
| Total Current Liabilities | 43K | 0 | 68.85M | 4.14M | 265.71M |
| Total Non-Current Liabilities | 469.61M | 0 | 316.61M | 394.98M | 0 |
| Total Liabilities | 469.66M | 425.37M | 385M | 399.13M | 375.45M |
| Total Equity | 88.99M | 83.33M | 78.28M | 38.67M | 38.4M |
| Equity Growth % | 6.79% | 6.46% | 102.44% | 0.69% | - |
| Equity / Assets (Capital Ratio) | 15.93% | 16.38% | 16.9% | 8.83% | 9.28% |
| Return on Equity (ROE) | 4.64% | 4.52% | 6.43% | 4.27% | 8.2% |
| Book Value per Share | 23.35 | 21.84 | 22.78 | 9.36 | 10.44 |
| Tangible BV per Share | 23.24 | 21.74 | 22.66 | 9.25 | 10.44 |
| Common Stock | -2.83M | 41K | 41K | 0 | 0 |
| Additional Paid-in Capital | 39.67M | 39.27M | 39.32M | 0 | 0 |
| Retained Earnings | 54.4M | 50.65M | 47.13M | 43.77M | 42.13M |
| Accumulated OCI | -2.25M | -3.62M | -5.07M | -5.11M | -3.72M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 |
Regional agricultural economic concentration
As reported in recent financial statements, Central Plains Bancshares has grown its total assets from $454.3 million in 2023Q3 to $558.6 million by 2025Q4, reflecting a consistent expansion strategy that appears to prioritize organic growth within its localized Nebraska market over aggressive, inorganic acquisition-led scaling.
The steady upward trend in total assets suggests that the bank is successfully capturing local market share in its core agricultural and residential lending segments. Investors should monitor whether this growth trajectory remains sustainable without compromising the bank's underwriting standards or its current capital adequacy ratios.
Based on the company's reported figures, the equity-to-assets ratio has remained stable at approximately 0.16 to 0.17 throughout the last ten quarters, indicating that management is maintaining a consistent capital cushion to support its growing asset base while navigating the post-incorporation regulatory environment.
This stability in the equity-to-assets ratio suggests a conservative approach to capital management, which is appropriate for a newly public entity. The current capital position appears sufficient to absorb potential volatility in the loan portfolio, though further growth may eventually necessitate additional capital retention or equity issuance.
According to quarterly balance sheet data, the bank's investment securities portfolio fluctuated significantly, reaching $118.8 million in 2025Q4, which suggests that management is actively utilizing its securities holdings as a primary tool for managing liquidity and interest rate risk in the absence of more complex hedging instruments.
The variability in the securities portfolio indicates a dynamic approach to liquidity management, likely intended to offset the inherent cyclicality of the bank's agricultural loan book. Analysts should investigate the duration profile of these securities to determine if the bank is adequately protected against potential shifts in the interest rate environment.
As evidenced by the $220,000 provision for credit losses recorded in 2025Q4, the bank is demonstrating a proactive stance toward credit risk management, which appears necessary given the inherent sensitivity of its loan book to the localized agricultural economy of Central Nebraska.
The fluctuation in loan loss provisions suggests that management is closely monitoring the credit quality of its agricultural and commercial real estate exposures. While current provisioning appears adequate, any sustained downturn in regional commodity prices could necessitate higher reserve levels, potentially impacting the bank's net interest margin and overall profitability.
Quick answers to the most common questions about buying CPBI stock.
As of 2025, Central Plains Bancshares, Inc. Common Stock (CPBI) had total assets of $558.6M including $73.3M in current assets.
Central Plains Bancshares, Inc. Common Stock (CPBI) carries total debt of $0.2M. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
Central Plains Bancshares, Inc. Common Stock (CPBI) has total shareholders' equity (book value) of $89.0M ($23.35 book value per share). Book value represents the net worth of the company belonging to common stock holders.
Central Plains Bancshares, Inc. Common Stock (CPBI) reported a current ratio of 1703.58x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.