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Companies / Financials / Central Plains Bancshares, Inc.
CPBI

Central Plains Bancshares, Inc.

FinancialsBanks & Brokers
Ticker CPBIGRAND ISLAND, NEFiscal year ends MarchBook value per share $23.63Diluted shares 3.8M

Central Plains Bancshares, Inc. is a Maryland corporation that owns Home Federal Savings and Loan Association of Grand Island, operating under the name Home Federal Bank. The company completed its initial public offering in October 2023 in connection with the mutual-to-stock conversion of Home Federal Savings, which… From the company’s description.

Fiscal year 2026 · ends 03-31Changes are against fiscal 2025The amber dot is the latest twelve months, to 2026-06-30
Sales & profitability
$21.34M
+11.7% year over year
Last 12 mo $22.07M
23.39%
−0.3 percentage points
Last 12 mo 25.44%
$4.00M
+9.5% year over year
Last 12 mo $4.50M
4.49%
+0.1 percentage points
Last 12 mo 4.99%
Cash & financing
$6.69M
+49.9% year over year
Last 12 mo $6.58M
$5.81M
+289.4% year over year
Last 12 mo $6.37M
5.17
Was 4.99× a year earlier
3.8M
−0.1% year over year
Last 12 mo 3.8M

Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.

What Central Plains Bancshares, Inc. does

In the company’s own words

Central Plains Bancshares, Inc. is a Maryland corporation that owns Home Federal Savings and Loan Association of Grand Island, operating under the name Home Federal Bank. The company completed its initial public offering in October 2023 in connection with the mutual-to-stock conversion of Home Federal Savings, which was originally chartered in 1935. As of March 31, 2026, Central Plains Bancshares maintains consolidated assets of $558.6 million, consolidated deposits of $460.4 million, and consolidated stockholders' equity of $89.0 million.

Home Federal Bank operates as a federally-chartered stock savings association headquartered in Grand Island, Nebraska, with its website at www.homefederalne.bank. The bank conducts operations through nine office locations, including its main office and eight branch offices located across Grand Island, Hastings, Holdrege, Lexington, Lincoln, and Superior, Nebraska, plus a drive-up facility in Grand Island.

The company's primary business consists of accepting deposits from the general public and investing those deposits in residential mortgage loans, commercial real estate loans, and other lending products. The loan portfolio at March 31, 2026 totaled $448.4 million and comprised real estate residential loans at 36.14 percent, commercial real estate loans at 28.82 percent, agricultural loans at 12.19 percent, commercial non-real estate loans at 10.79 percent, real estate construction loans at 6.39 percent, land development and sanitary improvement district loans at 3.41 percent, and other consumer loans at 2.26 percent. The bank offers various deposit accounts including checking, savings, and certificate of deposit accounts, along with electronic banking services including mobile banking, online banking, bill pay, and electronic funds transfer via Zelle.

Central Plains Bancshares serves southcentral Nebraska, with its primary market area encompassing the Nebraska counties of Adams, Dawson, Hall, Lancaster, Nuckolls, and Phelps. The market area economy focuses on manufacturing and agriculture alongside education, healthcare, and services sectors. At June 30, 2025, the company ranked third among eighteen FDIC-insured financial institutions with offices in Hall County, Nebraska, with a deposit market share of 10.65 percent. The company is subject to comprehensive regulation and examination by the Office of the Comptroller of the Currency.

Company details
Sector
Financials
Industry (SIC)
Banks & Brokers
Headquarters
GRAND ISLAND, NE
Fiscal year end
March
CIK
1979332
SIC
6035

Financial performance, year by year

Fiscal 2024–2026 · USD
$-2.21M$4.41M$11.04M$17.66M$24.28M202420252026Last 12 moLast 12 monthsLast 12 months

The full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.

Ownership

Who owns Central Plains Bancshares, Inc. — and what changed

Funds as of 2026Q2 · superinvestors as of 2026-06-30

10
funds hold it
0 of 35
superinvestors hold it
$3.68M
held by funds, at market
4.7%
of shares held by funds

Largest fund holders · Central Plains Bancshares, Inc.’s weight in each

VANGUARD TOTAL STOCK MARKET INDEX FUND
VTI · VANGUARD INDEX FUNDS
0.00%of fund net assets
VANGUARD EXTENDED MARKET INDEX FUND
VXF · VANGUARD INDEX FUNDS
0.00%of fund net assets
Fidelity Extended Market Index Fund
FSMAX · Fidelity Concord Street Trust
0.00%of fund net assets
iShares Micro-Cap ETF
IWC · iShares Trust
0.01%of fund net assets
Fidelity Total Market Index Fund
FSKAX · Fidelity Concord Street Trust
0.00%of fund net assets

Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.

Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.

Could not be determined for this company: bond issues.

Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.

Connected research

Put this business in context.

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  • “What changed in Central Plains Bancshares, Inc.'s last four quarterly filings that the numbers alone won't show?”
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