Net interest income achieved a 9.5% year-over-year growth rate to reach $4.7 million in 2025Q4, even as the net interest margin remained constrained within a narrow 0.8% to 0.9% range.
| Net Interest Income | 18.67M | 16.49M | 14.47M | 13.4M | 12.09M |
| NII Growth % | 13.25% | 13.93% | 7.99% | 10.85% | - |
| Net Interest Margin % | 3.34% | 3.24% | 3.12% | 3.06% | 2.92% |
| Interest Income | 27.66M | 24.7M | 20.96M | 16.14M | 13.17M |
| Interest Expense | 8.99M | 8.21M | 6.49M | 2.74M | 1.08M |
| Loan Loss Provision | 306K | 200K | 88K | 2.88M | -114K |
| Non-Interest Income | 2.67M | 2.61M | 2.85M | 2.28M | 2.51M |
| Non-Interest Income % | 8.79% | 9.56% | 11.98% | 12.37% | 15.99% |
| Total Revenue | 30.33M | 27.31M | 23.82M | 18.42M | 15.68M |
| Revenue Growth % | 11.05% | 14.68% | 29.29% | 17.52% | - |
| Non-Interest Expense | 16.04M | 14.38M | 12.6M | 10.84M | 10.97M |
| Efficiency Ratio | 52.89% | 52.63% | 52.91% | 58.85% | 69.96% |
| Operating Income | 4.99M | 4.52M | 4.64M | 1.96M | 3.74M |
| Operating Margin % | 16.45% | 16.56% | 19.47% | 10.66% | 23.88% |
| Operating Income Growth % | 10.35% | -2.44% | 136.17% | -47.56% | - |
| Pretax Income | 4.99M | 4.52M | 4.64M | 1.96M | 3.74M |
| Pretax Margin % | 16.45% | 16.56% | 19.47% | 10.66% | 23.88% |
| Income Tax | 991K | 869K | 877K | 317K | 595K |
| Effective Tax Rate % | 19.86% | 19.21% | 18.92% | 16.15% | 15.9% |
| Net Income | 4M | 3.65M | 3.76M | 1.65M | 3.15M |
| Net Margin % | 13.19% | 13.38% | 15.78% | 8.94% | 20.08% |
| Net Income Growth % | 9.47% | -2.79% | 128.37% | -47.71% | - |
| Net Income (Continuing) | 4M | 3.65M | 3.76M | 1.65M | 3.15M |
| EPS (Diluted) | 1.05 | 0.96 | 1.10 | 0.40 | 0.86 |
| EPS Growth % | 9.38% | -12.33% | 173.75% | -53.49% | - |
| EPS (Basic) | 1.06 | 0.96 | 1.10 | 0.45 | 0.86 |
| Diluted Shares Outstanding | 3.81M | 3.82M | 3.44M | 4.13M | 3.68M |
Regional agricultural economic concentration
As reported in quarterly financial filings, Central Plains Bancshares achieved a consistent upward trajectory in net interest income, reaching $4.7 million by 2025Q4, which represents a 9.5% year-over-year growth rate and underscores the bank's ability to scale its core lending operations despite a competitive regional environment.
The steady growth in interest income suggests that the bank is successfully capturing loan demand within its localized Nebraska market. Investors should monitor whether this expansion is driven by volume growth in agricultural lending or if it reflects a reliance on repricing existing assets in a fluctuating rate environment.
Based on the provided income statement data, the net interest margin has remained largely stagnant at 0.8% to 0.9% over the last ten quarters, indicating that the bank's funding costs are closely tracking the yields earned on its specialized agricultural and residential real estate loan portfolios.
This lack of margin expansion suggests that the bank faces significant pressure to maintain competitive deposit rates to retain its local customer base. The stability of these margins appears to be a double-edged sword, providing predictability while simultaneously limiting the potential for significant earnings upside in the current interest rate cycle.
According to the company's historical performance metrics, the efficiency ratio has fluctuated between 51.3% and 54.8% since 2023, suggesting that management is maintaining a relatively disciplined cost structure as it navigates the post-incorporation phase and invests in its localized banking infrastructure and regulatory compliance requirements.
The current efficiency levels appear to be consistent with a community bank of this scale, though the lack of a clear downward trend in expenses warrants further investigation. If the bank cannot achieve greater operating leverage as it grows, it may struggle to improve its bottom-line profitability relative to larger, more diversified regional peers.
As evidenced by the quarterly provision for credit losses, which reached $220,000 in 2025Q4, the bank is actively adjusting its reserves to account for potential loan losses, a trend that appears to be highly sensitive to the cyclical nature of the underlying agricultural economy in Central Nebraska.
The volatility in provision expense suggests that management is taking a proactive approach to credit risk, likely reflecting concerns over commodity price fluctuations impacting borrower debt service capacity. Investors should monitor these provisions closely, as any sustained increase could signal deteriorating asset quality within the bank's core loan segments.
Quick answers to the most common questions about buying CPBI stock.
Central Plains Bancshares, Inc. Common Stock (CPBI) is profitable, generating $4.0M in net income for the fiscal year ending 2025 with a net profit margin of 13.2%.
Central Plains Bancshares, Inc. Common Stock (CPBI) reported an operating income of $5.0M, resulting in an operating profit margin of 16.5%. This margin reflects the operational efficiency of the business before interest and taxes.
Central Plains Bancshares, Inc. Common Stock (CPBI) generated $21.1M in gross profit for the year, representing a gross profit margin of 69.5%. This demonstrates the company's core pricing power and production efficiency.