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1. The central US version of a full-service regional bank like KeyCorp or Regions Financial.

2. A diversified regional bank for Missouri and the central US, akin to a U.S. Bancorp.

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• Deposit Accounts: These services include checking, savings, money market, and certificate of deposit accounts for individuals and businesses.
• Lending Services: Central Bancompany provides various loans, such as consumer mortgages, auto loans, personal loans, and commercial real estate and business loans.
• Wealth Management & Trust Services: The company offers investment management, financial planning, brokerage services, and trust administration for individuals and institutions.
• Treasury Management: Business clients can utilize services like merchant processing, remote deposit capture, and ACH origination for efficient cash flow management.
• Digital Banking: This includes online and mobile banking platforms, enabling customers to manage accounts, pay bills, and transfer funds conveniently.

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Central Bancompany (CBC) Major Customers

• Individual Consumers: This category includes a wide range of individuals and households who utilize Central Bancompany's personal banking services. These services include checking and savings accounts, certificates of deposit, consumer loans (such as mortgages, home equity loans, auto loans, and personal lines of credit), and credit cards.
• Small to Medium-sized Businesses (SMBs): Central Bancompany provides comprehensive banking solutions for businesses of various sizes. This includes business checking and savings accounts, commercial loans (for real estate, equipment, and working capital), lines of credit, treasury management services, and other financial products tailored to business needs.
• Wealth Management Clients: This category encompasses individuals, families, and institutional clients who seek investment management, trust services, financial planning, and retirement planning. Central Bancompany's wealth management division assists these clients in managing and growing their financial assets.

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Major suppliers for Central Bancompany (CBC):

• Infosys (NYSE: INFY)
• Fiserv (NASDAQ: FI)

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John Ross, President, Chief Executive Officer and Director
John Ross serves as the President, Chief Executive Officer, and Director of Central Bancompany. Prior to his current role, he held positions as an Auditor at EY, an Intern at the Federal Reserve Bank of New York, and a Managing Director and Co-Head of Depository Coverage for the Financial Institutions Group at J.P. Morgan.

James K. Ciroli, Chief Financial Officer and Executive Vice President
James "Jim" Ciroli was appointed Chief Financial Officer of Central Bancompany on June 9, 2025. He brings over 30 years of experience in finance and accounting within the financial services industry. Previously, Jim was the Chief Financial Officer at Flagstar Bancorp, Inc. and held positions at other financial institutions, including First Niagara, Huntington, and KeyCorp. He began his career with Deloitte in Cleveland, Ohio.

S. Bryan Cook, Executive Chairman of the Board
S. Bryan Cook serves as the Executive Chairman of the Board for Central Bancompany. His family has a deep history with the company; his grandfather, Sam Baker Cook, assumed the presidency of Central Missouri Trust Company in 1905. S. Bryan Cook's father, Sam B. Cook, was instrumental in establishing Jefferson Bank in 1967 and Central Bancompany in 1970. S. Bryan Cook himself previously served as the Chief Executive Officer starting in 2008.

Tristan A. Thompson, Senior Vice President and Chief Commercial Banking Services and Payments Officer
Tristan A. Thompson holds the title of Senior Vice President and Chief Commercial Banking Services and Payments Officer at Central Bancompany. In this role, he leads the strategic direction for the Commercial Product team, Commercial Payments team, Commercial Sales Management team, and the company's HSA division – HSA Central.

Carey D. Schoeneberg, Senior Vice President and Chief Risk Officer
Carey D. Schoeneberg is the Senior Vice President and Chief Risk Officer for Central Bancompany.

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The most significant risk identified for Central Bancompany is **intensifying competition** across the banking sector. This competition affects the company in two main ways: vying for high-quality merger and acquisition deals and competing to attract and retain client relationships.

Another important risk pertains to the **market's perception of management's ability to effectively deploy its excess capital**. While Central Bancompany is noted for having peer-leading excess capital, the market's view on how well this capital is utilized could influence the company's stock performance.

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The clear emerging threats for Central Bancompany (CBC) stem from the ongoing digital transformation of the financial services industry, leading to increased competition from technologically agile entities:

• Competition from Digital-First Banks (Neobanks): Online-only banks and challenger banks are increasingly attracting customers, particularly younger demographics, by offering streamlined digital experiences, lower fees, and often higher interest rates on deposits. These entities directly compete with CBC's traditional retail banking services by eroding the value proposition of physical branch networks and offering a more convenient, mobile-centric banking experience.
• Disintermediation by Fintech Lenders: Specialized online lenders leverage technology to offer faster, more convenient, and often more competitive options for various loan products, including mortgages, small business loans, and personal loans. This trend directly competes with CBC's traditional lending portfolios by capturing market share through superior digital application processes and potentially more attractive terms for specific customer segments.
• Shift Towards Digital Payments and Wallets: The widespread adoption of digital payment platforms (e.g., Venmo, PayPal, Square Cash App, Apple Pay) and the increasing use of digital wallets for everyday transactions reduce consumer reliance on traditional bank checking accounts and debit/credit cards. This shift impacts CBC's transaction fee revenue and diminishes its central role in customers' daily financial interactions.
• Rise of Robo-Advisors in Wealth Management: Automated, low-cost investment platforms provide accessible wealth management services, directly challenging traditional wealth management and trust departments. These platforms appeal to a growing segment of investors, including those with smaller asset bases or seeking simpler, more cost-effective investment solutions, potentially siphoning clients away from CBC's wealth management services.

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Here are 3-5 expected drivers of future revenue growth for Central Bancompany (CBC) over the next 2-3 years:

1. Strategic Mergers and Acquisitions (M&A): Central Bancompany intends to accelerate M&A activity post-initial public offering (IPO), using the proceeds from its recent IPO for general corporate purposes and potentially financing future acquisitions. This strategy suggests a path to expand its market presence and customer base through inorganic growth.
2. Expansion of Wealth Management and Treasury Management Services: The company offers a diversified product suite that includes wealth management and treasury management services. Focusing on the growth of these specialized, fee-based services can contribute to revenue expansion beyond traditional banking.
3. Continued Geographic Expansion and Market Share Growth: Central Bancompany currently operates 156 full-service branches across multiple states, including Missouri, Kansas, Oklahoma, Colorado, and Florida. The company emphasizes consistent market share growth and a strong regional network, indicating a strategy to expand its footprint and increase its customer base in existing and potentially new markets.
4. Investment in Technology and Digital Banking: Central Bancompany highlights its strategic investments in leading-edge technology and forward-thinking concepts. This focus on technological advancement and digital banking services is expected to enhance customer experience, attract new customers, and improve operational efficiency, thereby driving revenue growth.
5. Customer Growth and Retention through Relationship-Based Banking: The company's business model emphasizes relationship-based banking, local decision-making, and a customer-centric culture, resulting in a high Net Promoter Score and long average customer tenure. This approach fosters strong customer loyalty and is a foundational driver for increasing deposits, loans, and utilization of other banking services.

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Share Repurchases

• Central Bancompany's shares buyback ratio was 0.25% as of November 23, 2025.
• The company's shares buyback ratio was 0.25% for the fiscal year ending December 2024.
• Historically, the shares buyback ratio was 0.25% in December 2023 and 0.25% in December 2021, with -0.09% in December 2022.

Share Issuance

• Central Bancompany launched an Initial Public Offering (IPO) in November 2025, offering 17,778,000 shares of Class A common stock at $21.00 per share.
• The IPO's net proceeds totaled approximately $403.7 million, including an additional $53.2 million from underwriters exercising their option to purchase 2,666,700 more shares at $21.00 each.
• Prior to the IPO, a 50-for-1 stock split was approved by the Board of Directors, with a record date of October 20, 2025, and distribution on October 24, 2025.

Outbound Investments

• Central Bancompany plans to utilize IPO proceeds to support expansion and potential acquisitions.

Capital Expenditures

• Capital expenditures were -$16.43 million in the last 12 months.
• Historical capital expenditures were approximately -$17.3 million in fiscal year 2024, -$18.1 million in 2023, and -$25.9 million in 2022.
• The primary focus of capital expenditures includes a banking core modernization project aimed at providing real-time, API-based capabilities, and continuous strategic investments in leading-edge technology and forward-thinking concepts.