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• Similar to a regional version of U.S. Bank, but focused primarily on Missouri.
• Think of it as Missouri's equivalent of PNC Bank or Regions Financial, offering comprehensive banking services.

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• Deposit Accounts: Providing various checking, savings, money market, and certificate of deposit accounts for individuals and businesses.
• Loan Products: Offering a range of loans including commercial, real estate, consumer, and agricultural loans to meet diverse financial needs.
• Wealth Management & Trust Services: Delivering investment management, financial planning, and trust administration for individuals, families, and businesses.
• Mortgage Services: Originating and servicing residential mortgage loans for home buyers and existing homeowners.

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• Individual Consumers: This category includes individuals and families who utilize a wide range of retail banking services such as checking and savings accounts, certificates of deposit (CDs), personal loans, auto loans, mortgages, credit cards, and wealth management services.
• Small to Mid-sized Businesses (SMBs): Central Bancompany provides financial solutions to local and regional businesses. These services typically include commercial loans, lines of credit, business checking and savings accounts, treasury management services, and merchant services to help manage their operations and growth.
• Commercial Real Estate Developers and Investors: A significant portion of a regional bank's customer base often consists of entities involved in commercial real estate. Central Bancompany would serve developers, investors, and property owners with financing for acquisition, construction, development, and refinancing of commercial properties.

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John T. Ross, President and Chief Executive Officer

John "JR" Ross has served as the President and Chief Executive Officer of Central Bancompany and its subsidiary bank since April 2024. He joined the company in March 2020 as Chief Operating Officer, a role he held until his promotion to CEO. Prior to his tenure at Central Bancompany, Mr. Ross spent nearly two decades at J.P. Morgan Chase, where he most recently held the position of Co-Head of Depository Coverage in the Financial Institutions Group. He earned a Bachelor of Arts from the University of Oklahoma and a Masters of Public Administration from the Kennedy School of Government at Harvard University.

James K. Ciroli, Executive Vice President and Chief Financial Officer

James K. Ciroli assumed the role of Executive Vice President and Chief Financial Officer for Central Bancompany and the Bank in June 2025. Before joining Central Bancompany, Mr. Ciroli served as the Executive Vice President and Chief Financial Officer of Flagstar Bancorp, Inc. from 2014 to December 2022. His previous experience includes serving as Senior Vice President, Corporate Controller, and Principal Accounting Officer at First Niagara Financial Group, Inc. from 2009 to 2014, and as Senior Vice President and Assistant Controller at Huntington Bancshares Incorporated from 2002 to 2009. Mr. Ciroli began his career with Deloitte in Cleveland, Ohio. He holds a bachelor's degree in Finance and a master's degree in accounting from Case Western Reserve University.

S. Bryan Cook, Executive Chairman of the Board

S. Bryan Cook has served as the Executive Chairman of Central Bancompany and the Bank since 2024. He is the great-grandson of the company's founder. Mr. Cook previously held the positions of Chairman, President, and Chief Executive Officer of the Company for 16 years and has been a member of the Board since 1986. Before that, he served as Chief Operating Officer of the Bank. His academic background includes a Bachelor of Arts in Economics from Washington & Lee University, and a Master of Arts in Economics, a Master of Business Administration, and a Ph.D. in Economics, all from the University of Missouri.

Russell L. Goldhammer, Executive Vice President and Chief Information Officer

Russell "Russ" L. Goldhammer has been the Executive Vice President and Chief Information Officer for Central Bancompany and the Chief Technology Officer of the Bank since October 2021. Prior to this, he was the President and Chief Executive Officer of Central Technology Services, a division of the Company, since June 2009. Before joining Central Bancompany in 2009, Mr. Goldhammer served as the Chief Information Officer at First Banks, Inc. He earned his Bachelor of Science in Civil Engineering from the Missouri University of Science and Technology.

Eric Hallgren, Executive Vice President and Chief Credit Officer

Eric Hallgren joined Central Bancompany in July 2024 as Executive Vice President and Chief Credit Officer for both the Company and the Bank. Before this role, Mr. Hallgren served as Chief Credit Officer for First Banks, Inc. from August 2020 to June 2024, where he also held the position of Director of Credit Underwriting. He holds a Bachelor of Science in Finance from Saint Louis University and a Master of Business Administration from Washington University in St. Louis—Olin Business School.

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1. Concentration in Real Estate Loans: Central Bancompany has a significant portion of its loan portfolio, over 70% as of Q3 2025, in real estate loans. Consequently, declines in the valuation of properties, particularly in commercial real estate (CRE) due to factors such as reduced office occupancy, could negatively impact the company's ability to recover investments if these loans default.
2. Sensitivity to Macroeconomic Factors: As a regional bank, Central Bancompany is highly susceptible to macroeconomic fluctuations, including changes in interest rates, inflation, and unemployment. A recession in the U.S. would likely affect all financial institutions, including CBC. Changes in Federal Reserve policy, such as falling interest rates, could compress net interest margins, while rising rates might slow credit demand.
3. Unique Ownership Structure and Investor Influence: Central Bancompany's ownership structure is characterized by a family trust maintaining a majority stake of approximately two-thirds of the common stock, even after its initial public offering (IPO). This concentrated ownership gives ordinary shareholders less influence over the company's future. This structure may also limit the company's potential as a target for acquisition by larger banks.

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The rise of digital-first banks (neobanks) and specialized fintech platforms presents a clear emerging threat. These competitors leverage advanced technology to offer highly convenient, often lower-cost, and mobile-centric banking experiences that appeal to a growing segment of consumers, particularly younger generations. This trend threatens to erode Central Bancompany's customer base, especially for deposit gathering and straightforward lending products, by attracting customers who prioritize digital convenience over traditional branch networks. Furthermore, larger national banks are also heavily investing in their digital capabilities, allowing them to compete more effectively in regional markets without a large physical footprint, putting additional pressure on local banks like Central Bancompany.

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Central Bancompany (CBC) is expected to drive future revenue growth over the next two to three years through several key strategies:

1. Expansion of Wealth Management Services: The company's wealth management division is a significant driver, with assets under advice reaching $16.0 billion, fueled by strong net new money and investment performance. This growth provides a stable, fee-based revenue stream that is less susceptible to interest rate fluctuations.
2. Strategic Branch Expansion into New Markets: Central Bancompany plans to expand its physical footprint by adding new branches, including two locations in St. Louis and one in Denver, expected by the second quarter of 2026. This expansion aims to capture new customers and increase market share in these regions.
3. Mergers and Acquisitions (M&A) Driven by Excess Capital: With approximately $1.8 billion in excess capital, Central Bancompany is positioned to pursue strategic mergers and acquisitions. Management has indicated a disciplined approach to deploying this capital, prioritizing well-sized M&A opportunities, with a target of $2 billion asset deals, which could significantly boost revenue.
4. Continued Loan Growth and Optimized Net Interest Margin: The company anticipates continued balance sheet growth, having seen a 1% quarter-over-quarter increase in ending loans in Q4 2025. Maintaining a strong net interest margin (NIM) of 4.41% on a fully taxable equivalent basis, by carefully managing loan yields and deposit costs, will be crucial for enhancing net interest income.

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Share Repurchases

• The Board of Directors authorized a new stock repurchase plan on February 5, 2026, allowing the company to repurchase up to $50 million of its Class A common stock. This plan supersedes prior authorizations.

Share Issuance

• Central Bancompany debuted on Nasdaq in November 2025 following an Initial Public Offering (IPO).
• The company raised approximately $429.3 million through the IPO, selling 17,778,000 shares of Class A common stock at $21.00 per share, plus an additional 2,666,700 shares through the underwriters' overallotment option at the same price.
• Proceeds from the IPO are intended for general corporate use and to support future growth initiatives.