Central Bancompany is a community bank holding company headquartered in Jefferson City, Missouri, operating through its subsidiary The Central Trust Bank. Central Bancompany serves consumers, businesses, and government entities across 155 full-service branches, primarily in Missouri with a growing presence in Kansas, Oklahoma, and Colorado. The bank pitches itself as offering the product breadth and technology of a large national bank with the personalized service of a community bank. Like most community banks, Central Bancompany earns money by taking in low-cost deposits and lending those funds out at higher rates. A key feature of the model is a notably cheap deposit base — average deposit costs were 1.18% in FY25, supported by a high share of noninterest-bearing deposits (35% of total deposits) and long-tenured customer relationships. Central Bancompany operates three segments: Consumer Banking (deposit accounts, loans, and mortgages for ~257,000 households), Commercial Banking (loans, treasury management, and payments for ~69,000 business and government clients), and Wealth Management ($16B in assets under advice across two platforms). The bank has an unusually large government banking franchise — anchored by its position in Missouri's capital city — with ~$2.6B in public funds across ~450 relationships. Central Bancompany is also a notable payments player, ranked among the top 20 corporate card issuers and HSA providers nationally. The bank holds significant excess capital and is targeting acquisitions in Texas, Colorado, and Oklahoma to expand into faster-growing markets.