Central Plains Bancshares, Inc. (CPBI) Balance Sheet
CPBI balance sheet, FY2026
March 31, 2026 · U.S. dollars$558.6M assets = $469.7M liabilities + $89.0M equity
Both columns are drawn to the same scale: what CPBI owns equals what it owes plus shareholders’ equity. Hover a block for its value.
CPBI financial health
Descriptive bands, not a rating. Fiscal FY2026.
CPBI balance sheet trends, FY2022–FY2026
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $413.9MFY2022 | $558.6MFY2026 | +7.8%/yr | |
| Total liabilities | $375.5MFY2022 | $469.7MFY2026 | +5.8%/yr | |
| Shareholders’ equity | $38.4MFY2022 | $89.0MFY2026 | +23.4%/yr | |
| Cash & short-term investments | −$8.5MFY2022 | $70.0MFY2026 | — | |
| Total debt | $437,000FY2023 | $195,000FY2026 | −23.6%/yr | |
| Net cash (debt) | $16.1MFY2023 | $69.8MFY2026 | +$53.7M | |
| Working capital | −$245.4MFY2022 | $73.2MFY2026 | +$318.6M | |
| Book value per share | $10.44FY2022 | $23.35FY2026 | +22.3%/yr | |
| Debt / equity | 0.01FY2023 | 0.00FY2026 | −0.01 | |
| Shares outstanding | 3.7MFY2022 | 3.8MFY2026 | +0.9%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
CPBI assets
CPBI liabilities and equity
CPBI debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
CPBI balance sheet
| FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Assets | |||||
| Cash & short-term investments | $70.0M | $80.8M | $11.5M | $16.6M | −$8.5M |
| Cash & equivalents | $7.5M | $28.7M | $11.5M | $16.6M | −$8.5M |
| Short-term investments | $62.5M | $52.1M | $60.4M | $57.8M | — |
| Receivables | $3.3M | $3.1M | $2.2M | $350.6M | $0 |
| Inventory | $0 | $0 | −$388.7M | −$367.2M | $0 |
| Other current assets | $0 | $0 | $388.7M | $367.2M | $28.8M |
| Total current assets | $73.3M | $70.1M | $13.7M | $367.2M | $20.3M |
| Property, plant & equipment (net) | $12.8M | $12.9M | $5.9M | $4.1M | $4.3M |
| Goodwill & intangible assets | $415,000 | $380,000 | $403,000 | $434,000 | $0 |
| Long-term investments | $62.7M | $59.6M | $60.7M | $58.3M | $0 |
| Other non-current assets | $409.5M | $365.7M | $382.6M | $7.8M | $389.2M |
| Total assets | $558.6M | $508.7M | $463.3M | $437.8M | $413.9M |
| Liabilities | |||||
| Accounts payable | $1.7M | $1.7M | $3.9M | $3.5M | — |
| Short-term debt | $43,000 | $54,000 | $66,000 | $76,000 | — |
| Deferred revenue | — | — | −$3.9M | −$3.5M | — |
| Total current liabilities | $43,000 | $66.3M | $68.8M | $4.1M | $265.7M |
| Long-term debt | $0 | $0 | $0 | $0 | $0 |
| Other long-term liabilities | $469.6M | $359.1M | $316.6M | $395.0M | $109.7M |
| Total liabilities | $469.7M | $425.4M | $385.0M | $399.1M | $375.5M |
| Shareholders' equity | |||||
| Common stock & paid-in capital | −$2.8M | $41,000 | $41,000 | — | — |
| Retained earnings (deficit) | $54.4M | $50.7M | $47.1M | $43.8M | $42.1M |
| Accumulated other comprehensive income | −$2.3M | −$3.6M | −$5.1M | −$5.1M | −$3.7M |
| Total shareholders' equity | $89.0M | $83.3M | $78.3M | $38.7M | $38.4M |
| Key figures | |||||
| Total debt | $195,000 | $244,000 | $303,000 | $437,000 | — |
| Net cash (debt) | $69.8M | $80.6M | $11.2M | $16.1M | — |
| Working capital | $73.2M | $3.8M | −$55.1M | $363.0M | −$245.4M |
| Tangible book value | $88.6M | $83.0M | $77.9M | $38.2M | $38.4M |
| Book value per share | $23.35 | $21.84 | $22.78 | $9.36 | $10.44 |
| Shares outstanding | 3.8M | 3.8M | 3.4M | 4.1M | 3.7M |
| Current ratio | 1,703.58 | 1.06 | 0.20 | 88.59 | 0.08 |
| Quick ratio | 1,703.58 | 1.27 | 0.20 | 88.59 | −0.03 |
| Debt / equity | 0.00 | 0.00 | 0.00 | 0.01 | — |
| Equity / assets | 15.9% | 16.4% | 16.9% | 8.8% | 9.3% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $69.1M | $86.0M | $66.6M | $8.9M | $69.0M | $80.8M | $63.2M | $9.9M | $5.5M | $11.5M | $11.7M | $76.0M |
| Cash & equivalents | $5.6M | $29.9M | $7.7M | $8.9M | $7.9M | $28.7M | $6.2M | $9.9M | $5.5M | $11.5M | $11.7M | $21.4M |
| Short-term investments | $63.5M | $56.1M | $58.9M | $59.7M | $61.1M | $52.1M | $57.0M | $59.7M | $59.3M | $60.4M | — | $54.7M |
| Receivables | $3.2M | $3.3M | $3.3M | $3.8M | $3.1M | $3.1M | $2.9M | $2.7M | $2.5M | $2.2M | $372.9M | $364.0M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | −$388.7M | −$388.7M | −$384.6M | −$23.4M |
| Other current assets | $0 | $0 | $0 | $57.1M | $0 | $0 | $0 | $58.7M | $448.2M | $388.7M | $384.6M | $23.4M |
| Total current assets | $72.3M | $73.3M | $69.9M | $69.8M | $72.1M | $70.1M | $66.1M | $71.2M | $67.5M | $13.7M | $384.6M | $440.1M |
| Property, plant & equipment (net) | $12.5M | $12.8M | $13.2M | $13.4M | $13.4M | $12.9M | $10.3M | $8.3M | $6.2M | $5.9M | $4.3M | $4.0M |
| Goodwill & intangible assets | $422,000 | $415,000 | $410,000 | $402,000 | $381,000 | $380,000 | $381,000 | $385,000 | $392,000 | $403,000 | $424,000 | $417,000 |
| Long-term investments | $63.6M | $62.7M | $59.1M | $59.9M | $61.3M | $59.6M | $57.3M | $59.9M | $60.4M | $60.7M | $57.6M | $55.0M |
| Other non-current assets | $413.5M | $409.5M | $393.1M | $366.5M | $353.7M | $365.7M | $350.2M | $342.2M | $332.0M | $382.6M | $7.4M | $0 |
| Total assets | $562.4M | $558.6M | $535.7M | $510.0M | $500.9M | $508.7M | $484.3M | $482.0M | $466.6M | $463.3M | $454.3M | $453.9M |
| Liabilities | ||||||||||||
| Accounts payable | $1.5M | $1.7M | $1.7M | $1.7M | $1.4M | $1.7M | $1.7M | $2.2M | $1.9M | $3.9M | $3.9M | $3.6M |
| Short-term debt | — | $43,000 | — | $8.5M | $8.5M | $54,000 | — | — | $2.0M | $66,000 | — | — |
| Deferred revenue | — | — | — | — | — | — | — | — | −$3.9M | −$3.9M | — | — |
| Total current liabilities | — | $43,000 | — | — | — | $66.3M | $1.7M | $2.2M | $222.3M | $68.8M | $83.9M | $5.1M |
| Long-term debt | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other long-term liabilities | $472.1M | $469.6M | $448.0M | $423.8M | — | $359.1M | $401.4M | $398.2M | $165.1M | $316.6M | $371.1M | $410.3M |
| Total liabilities | $472.1M | $469.7M | $448.0M | $423.8M | $416.2M | $425.4M | $403.0M | $400.4M | $387.4M | $385.0M | $376.5M | $415.4M |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | −$2.8M | $41,000 | −$2.9M | $41,000 | $41,000 | $41,000 | $41,000 | $41,000 | $41,000 | $41,000 | $41,000 | — |
| Retained earnings (deficit) | $55.8M | $54.4M | $53.5M | $52.4M | $51.6M | $50.7M | $49.9M | $49.0M | $48.0M | $47.1M | $46.2M | $45.3M |
| Accumulated other comprehensive income | −$2.4M | −$2.3M | −$2.4M | −$2.8M | −$3.3M | −$3.6M | −$4.9M | −$3.6M | −$5.1M | −$5.1M | −$4.6M | −$6.8M |
| Total shareholders' equity | $90.3M | $89.0M | $87.8M | $86.2M | $84.6M | $83.3M | $81.3M | $81.6M | $79.2M | $78.3M | $77.8M | $38.5M |
| Key figures | ||||||||||||
| Total debt | — | $195,000 | — | $8.5M | $8.5M | $54,000 | — | — | $2.0M | $303,000 | — | — |
| Net cash (debt) | — | $85.8M | — | $389,000 | $60.6M | $80.8M | — | — | $3.5M | $11.2M | — | — |
| Working capital | — | $73.2M | — | — | — | $3.8M | $64.4M | $69.1M | −$154.8M | −$55.1M | $300.7M | $435.0M |
| Tangible book value | $89.9M | $88.6M | $87.3M | $85.8M | $84.3M | $83.0M | $80.9M | $81.2M | $78.8M | $77.9M | $77.4M | $38.1M |
| Book value per share | $23.63 | $22.77 | $23.04 | $22.63 | $22.25 | $21.31 | $21.16 | $21.36 | $20.74 | $20.60 | $25.44 | $9.32 |
| Shares outstanding | 3.8M | 3.9M | 3.8M | 3.8M | 3.8M | 3.9M | 3.8M | 3.8M | 3.8M | 3.8M | 3.1M | 4.1M |
| Current ratio | — | 1,703.58 | — | — | — | 1.06 | 39.68 | 33.06 | 0.30 | 0.20 | 4.58 | 85.99 |
| Quick ratio | — | 2,075.47 | — | — | — | 1.27 | 39.68 | 5.83 | 0.04 | 0.20 | 4.58 | 85.99 |
| Debt / equity | — | 0.00 | — | 0.10 | 0.10 | 0.00 | — | — | 0.03 | 0.00 | — | — |
| Equity / assets | 16.1% | 15.9% | 16.4% | 16.9% | 16.9% | 16.4% | 16.8% | 16.9% | 17.0% | 16.9% | 17.1% | 8.5% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed June 18, 2026); data from EODHD.
CPBI financial position
At the end of fiscal 2026 (March 31, 2026), Central Plains Bancshares had total assets of $558.6 million (up 9.8% from a year earlier), total liabilities of $469.7 million and shareholders' equity of $89.0 million. It held $70.0 million in cash and short-term investments against $0.2 million of debt, a net cash position of $69.8 million. Its current ratio was 1,703.58. In the latest quarter (ended June 30, 2026) total assets were $562.4 million and equity $90.3 million.
Related: CPBI income statement, CPBI cash flow statement, CPBI key metrics. See the CPBI stock overview for the latest quote and news.
CPBI balance sheet FAQ
What are Central Plains Bancshares's total assets?
Central Plains Bancshares reported total assets of $558.6 million at the end of fiscal 2026 (March 31, 2026), compared with $508.7 million a year earlier.
How much debt does Central Plains Bancshares have?
Central Plains Bancshares had $0.2 million of total debt at the end of fiscal 2026, including short-term borrowings. Its debt-to-equity ratio was 0.00.
How much cash does Central Plains Bancshares have?
Central Plains Bancshares held $70.0 million in cash and short-term investments at the end of fiscal 2026; with $0.2 million of debt that is net cash of $69.8 million.
What is Central Plains Bancshares's book value?
Central Plains Bancshares's shareholders' equity (book value) was $89.0 million at the end of fiscal 2026, or $23.35 per share.
What is Central Plains Bancshares's current ratio?
Central Plains Bancshares had current assets of $73.3 million and current liabilities of $0.0 million, a current ratio of 1,703.58 (it can cover its short-term obligations).
How much goodwill does Central Plains Bancshares have?
Central Plains Bancshares carried $0.4 million of goodwill and intangible assets, 0.1% of total assets, at the end of fiscal 2026.