Central Plains Bancshares, Inc.
For the period ended Sep 30, 2025. Filed Nov 13, 2025.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Sep 30, 2025 · Filed Nov 13, 2025
CPBI$20.80+0.9%Stored close · as of Nov 6, 2026
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Consolidated Statements of Operations
| For the Three Months Ended September 30, | For the Six Months Ended September 30, | |||
|---|---|---|---|---|
| 2025 | 2024 | 2025 | 2024 | |
| (Dollars in thousands) · (Dollars in thousands) | ||||
| Interest and dividend income: | ||||
| Loans—including fees | $6,188 | $5,596 | $12,087 | $10,904 |
| Investment securities | 576 | 532 | 1,160 | 1,065 |
| FHLB stock | 7 | 9 | 14 | 16 |
| Federal funds sold | 14 | 12 | 105 | 75 |
| Total interest and dividend income | 6,785 | 6,149 | 13,366 | 12,060 |
| Interest expense: | ||||
| Deposits | 2,165 | 2,017 | 4,253 | 3,937 |
| Borrowings under FHLB advances | 35 | 74 | 37 | 99 |
| Total interest expense | 2,200 | 2,091 | 4,290 | 4,036 |
| Net interest income before provision for (reversal of) credit losses | 4,585 | 4,058 | 9,076 | 8,024 |
| Provision for (reversal of) credit losses | 89 | 4 | 86 | (1) |
| Net interest income after provision for (reversal of) credit losses | 4,496 | 4,054 | 8,990 | 8,025 |
| Non-interest income: | ||||
| Servicing fees on loans | 33 | 36 | 64 | 68 |
| Service charges on deposit accounts | 197 | 199 | 389 | 391 |
| Interchange income | 327 | 326 | 655 | 648 |
| Gain on sale of loans | 98 | 43 | 175 | 91 |
| Gain from real estate owned and other repossessed assets, net | — | 1 | 1 | 1 |
| Other non-interest income | 24 | 19 | 49 | 37 |
| Total non-interest income | 679 | 624 | 1,333 | 1,236 |
| Non-interest expense: | ||||
| Salaries and employee benefits | 2,194 | 1,938 | 4,297 | 3,781 |
| Occupancy and equipment | 429 | 270 | 747 | 522 |
| Data processing | 514 | 522 | 1,014 | 984 |
| Federal deposit insurance premiums | 52 | 49 | 103 | 93 |
| Debit card processing | 70 | 70 | 134 | 134 |
| Advertising | 102 | 71 | 193 | 146 |
| Other general and administrative expenses | 699 | 601 | 1,491 | 1,334 |
| Total non-interest expense | 4,060 | 3,521 | 7,979 | 6,994 |
| Income before income tax expense | 1,115 | 1,157 | 2,344 | 2,267 |
| Income tax expense | 233 | 205 | 474 | 412 |
| Net income | $882 | $952 | $1,870 | $1,855 |
| Earnings per share - basic | $0.23 | $0.25 | $0.49 | $0.49 |
| Earnings per share - diluted | $0.23 | $0.25 | $0.49 | $0.49 |
| Weighted average shares outstanding - basic | 3,785,223 | 3,821,330 | 3,788,896 | 3,819,680 |
| Weighted average shares outstanding - diluted | 3,808,651 | 3,821,330 | 3,806,172 | 3,819,680 |
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