Here are 1-3 brief analogies for Central Bancompany (CBC):

• Think of it as the Trader Joe's of regional banking, combining deep community roots and legendary customer service with modern financial products.

• It's like a U.S. Bank with a multi-generational family legacy and an even stronger focus on local community relationships.

• Consider it the Nordstrom of regional banking, renowned for its personalized customer service, community alignment, and strong financial performance.

• Consumer Banking Services: Provides a comprehensive suite of financial products and services tailored for individual customers.
• Commercial Banking Services: Offers financial solutions and products for businesses, agencies, and community organizations.
• Wealth Management Services: Delivers advice and services for managing and growing client assets, including trust services.

• Individuals (Consumers): Through its community banking subsidiary, The Central Trust Bank, CBC offers a comprehensive suite of consumer banking products and services, including deposits, loans, and other financial services to individual customers and households in its service areas.
• Businesses (Commercial): CBC provides commercial banking products and services designed to meet the holistic financial services needs of businesses within its footprint. This includes various banking solutions for companies of different sizes.
• Wealth Management Clients: The company offers wealth management products and services, including advisory services for wealth assets, catering to clients seeking to manage and grow their financial assets. This category serves both individuals with significant assets and potentially institutional clients.

John T. Ross, President and Chief Executive Officer
Mr. Ross has served as the President and Chief Executive Officer of Central Bancompany and The Central Trust Bank since April 2024, and as a director of the Company since 2021. He previously held the role of Chief Operating Officer, which he assumed upon joining the Company in March 2020. Prior to his tenure at Central Bancompany, Mr. Ross spent nearly two decades at J.P. Morgan Chase, where his most recent position was Co-Head of Depository Coverage in the Financial Institutions Group. He holds a Bachelor of Business from the University of Oklahoma and a Masters of Public Administration from the Kennedy School of Government at Harvard University. Mr. Ross is also a Certified Public Accountant (inactive).

James K. Ciroli, Executive Vice President & Chief Financial Officer
Mr. Ciroli has served as the Executive Vice President and Chief Financial Officer of Central Bancompany and The Central Trust Bank since June 2025. Before joining Central Bancompany, he was the Executive Vice President and Chief Financial Officer of Flagstar Bancorp, Inc. from 2014 to December 2022. From 2009 to 2014, Mr. Ciroli was the Senior Vice President, Corporate Controller, and Principal Accounting Officer of First Niagara Financial Group, Inc. Additionally, he served as Senior Vice President and Assistant Controller of Huntington Bancshares Incorporated from 2002 to 2009. Earlier in his career, Mr. Ciroli held various positions of increasing responsibility at KeyCorp and Deloitte & Touche LLP. He earned a Bachelor of Science in Management Science and a Master of Accounting from Case Western Reserve University.

S. Bryan Cook, Executive Chairman
Mr. Cook has served as the Executive Chairman of Central Bancompany and The Central Trust 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 for 16 years and has been a member of the Board since 1986. Prior to that, he served as the Chief Operating Officer of the Bank. He holds 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 from the University of Missouri. Mr. Cook is also Chairman at The Central Trust Bank (Jefferson City, Missouri) and a Director at the Municipal Theatre Association of St. Louis, Central Technology Services, Inc., and Central Mortgage Co. (Missouri).

Eric Hallgren, Executive Vice President & Chief Credit Officer
Mr. Hallgren joined Central Bancompany as the Executive Vice President and Chief Credit Officer for the Company and the Bank in July 2024. Before this role, he served as the Chief Credit Officer for First Banks, Inc. from August 2020 to June 2024, where he had also been Director of Credit Underwriting. Mr. Hallgren earned 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.

Russell L. Goldammer, Executive Vice President & Chief Information Officer
Mr. Goldammer has served as the Executive Vice President and Chief Information Officer for Central Bancompany and as the Chief Technology Officer of The Central Trust Bank since October 2021. Prior to these roles, he was the President and Chief Executive Officer of Central Technology Services, a division of the Company providing technological support, since June 2009. Before joining Central Bancompany in 2009, Mr. Goldammer served as the Chief Information Officer at First Banks, Inc.

1. Intense Competition for Market Share and Customer Loyalty: Central Bancompany operates in a highly competitive environment, constantly striving to increase its deposit market share and grow the number of households it serves. The company regularly benchmarks itself against "other community banks" and "largest banks in the industry" and notes its aim to offer "service levels better than other community banks and products, services and technologies consistent with the largest banks." Its consistent efforts to take market share and maintain high customer satisfaction (evidenced by an NPS of 71) underscore the ongoing challenge of attracting and retaining customers against numerous competitors.
2. Vulnerability to Economic Downturns and Recessions: While Central Bancompany prides itself on maintaining profitability through "23 U.S. economic recessions," including the Great Depression and the Great Recession, the very emphasis on its historical resilience highlights that economic downturns pose a significant and recurring risk to its business. Recessions can lead to reduced loan demand, increased credit losses, and overall slower economic activity in the primary markets it serves (Missouri, Kansas, Oklahoma, and Colorado), impacting the bank's financial performance.
3. Failure to Sustain Technological Advantage and Innovation: Central Bancompany places considerable emphasis on its "investments in products, services and technologies," including a "banking core modernization project" and an "in-house technology division and innovation teams." The company boasts a high mobile app rating and extensive functionalities comparable to large money center banks. This indicates that a failure to continuously invest in and successfully implement new technologies, or to keep pace with evolving customer expectations for digital banking, could erode its competitive advantage and negatively impact customer satisfaction.

• For the Jefferson City, MO MSA, the addressable deposit market is approximately $5.88 billion (Central Bancompany's deposits: $3,175 million, deposit share: 54%).
• For the Columbia, MO MSA; Mexico, MO MSA; and Moberly, MO MSA, the addressable deposit market is approximately $6.97 billion (Central Bancompany's deposits: $2,508 million, deposit share: 36%).
• For the Lake of the Ozarks region (Camden County, MO; Miller County, MO; Morgan County MO), the addressable deposit market is approximately $4.05 billion (Central Bancompany's deposits: $971 million, deposit share: 24%).
• For the Branson, MO MSA and Stone County, MO, the addressable deposit market is approximately $2.18 billion (Central Bancompany's deposits: $415 million, deposit share: 19%).
• For the Sedalia, MO MSA, the addressable deposit market is approximately $1.03 billion (Central Bancompany's deposits: $403 million, deposit share: 39%).
• For the Warrensburg, MO MSA, the addressable deposit market is approximately $1.26 billion (Central Bancompany's deposits: $340 million, deposit share: 27%).
• For the Kansas City, MO-KS MSA and Lawrence, KS MSA, the addressable deposit market is approximately $102.10 billion (Central Bancompany's deposits: $3,063 million, deposit share: 3%).
• For the St. Louis, MO-IL MSA, the addressable deposit market is approximately $90.55 billion (Central Bancompany's deposits: $1,811 million, deposit share: 2%).
• For the Springfield, MO MSA, the addressable deposit market is approximately $17.31 billion (Central Bancompany's deposits: $1,558 million, deposit share: 9%).

Central Bancompany (CBC) is expected to drive future revenue growth over the next 2-3 years through a combination of strategic expansion, robust lending activities, growth in its wealth management segment, and the strategic deployment of its excess capital.

1. Strategic Branch Expansion and Geographic Growth: Central Bancompany is actively pursuing growth by opening new full-service branches in "underpenetrated metro markets," as evidenced by the opening of three new branches in St. Louis and Colorado during the second quarter of 2026. This strategy aims to expand its physical footprint and capture new customers in key metropolitan areas, complementing its historical success in increasing market share through acquisitions.
2. Robust Loan Growth and Optimized Lending Portfolio: The company consistently reports strong loan growth momentum with robust pipelines. Management anticipates loan yields to rise due to the repricing of approximately $1.3 billion in fixed-rate loans in the second half of 2026. While strategically reducing some higher-yielding consumer loans, Central Bancompany is shifting its consumer portfolio towards lower-risk mortgage loans, indicating a focus on sustainable and profitable loan expansion.
3. Expansion of Wealth Management Services and Fee Income: Central Bancompany has demonstrated significant year-over-year growth in its wealth management revenue, which rose 20% by Q2 2026, with assets under advice increasing to $17.3 billion. The company has further bolstered this segment by launching a private bank initiative, which is already contributing to new inflows and growth in assets under advice, indicating a strong focus on expanding non-interest income streams.
4. Strategic Deployment of Excess Capital, including Acquisitions: With approximately $1.9 billion in excess capital, Central Bancompany is well-positioned for strategic deployment. Analysts and management suggest this capital can be utilized for mergers and acquisitions (M&A) or further branch builds. This deployment strategy, building on the company's "successful acquisition strategy" highlighted in its background, is expected to fuel both organic and inorganic revenue growth.

Capital Expenditures

• Central Bancompany is currently undertaking a banking core modernization project aimed at providing real-time, API-based capabilities.
• The company continuously reinvests in its business, including products, services, and technologies.
• Investments in technology have resulted in an average mobile app rating of 4.9/5 on iOS, with approximately 52,000 customer ratings and over 300 mobile functionalities as of October 30, 2025.