Central Plains Bancshares Inc
For the period ended Mar 31, 2025. Filed Jun 26, 2025.
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FY2025 · Filed Jun 26, 2025
CPBI$20.51-1.4%Stored close · as of Nov 10, 2026
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Item 8. Consolidated Financial Statements
| Year ended March 31, | ||
|---|---|---|
| 2025 | 2024 | |
| (Dollars in thousands) | ||
| Assets: | ||
| Cash and due from banks | $7,611 | $6,291 |
| Interest-bearing deposits in other banks | 21,071 | 5,163 |
| Total cash and cash equivalents | 28,682 | 11,454 |
| Investment securities - available for sale | 59,369 | 60,356 |
| Investment securities - held to maturity | 222 | 307 |
| Loans - net of unearned income | 402,197 | 380,249 |
| Allowance for credit losses on loans | (5,441) | (5,860) |
| Loans, net | 396,756 | 374,389 |
| Accrued interest receivable | 3,101 | 2,249 |
| Federal Home Loan Bank (FHLB) stock - at cost | 612 | 584 |
| Premises and equipment, net | 12,938 | 5,867 |
| Deferred income taxes | 2,703 | 3,344 |
| Mortgage servicing rights | 380 | 403 |
| Other assets | 3,939 | 4,325 |
| Total assets | $508,702 | $463,278 |
| Liabilities: | ||
| Deposits: | ||
| Non-interest bearing deposits | $64,497 | $66,891 |
| Interest-bearing | ||
| Demand and NOW checking | 152,782 | 127,077 |
| Money market | 30,718 | 24,287 |
| Savings | 45,476 | 43,461 |
| Time deposits over $250,000 | 28,590 | 34,381 |
| Other time deposits | 94,138 | 79,048 |
| Total deposits | 416,201 | 375,145 |
| Pension liability | 1,459 | 2,255 |
| Advances from borrowers for taxes and insurance | 1,834 | 1,806 |
| Accrued interest payable | 1,716 | 1,893 |
| Accounts payable, accrued expenses and other liabilities | 4,160 | 3,902 |
| Total liabilities | 425,370 | 385,001 |
| Stockholders' equity: | ||
| Common Stock ($0.01 par value, 10,000,000 shares authorized, 4,211,689 and 4,130,815 shares issued and outstanding at March 31, 2025 and March 31, 2024, respectively) | 41 | 41 |
| Additional paid-in capital | 39,265 | 39,318 |
| Retained earnings | 50,652 | 47,130 |
| Unallocated common shares held by Employee Stock Ownership Plan (ESOP) | (3,007) | (3,139) |
| Accumulated other comprehensive loss | (3,619) | (5,073) |
| Total stockholders' equity | 83,332 | 78,277 |
| Total liabilities and stockholders' equity | $508,702 | $463,278 |
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