Central Plains Bancshares, Inc. CPBI

Competitive advantage analysis · financial-services

Bank Specialized
Overall moat score
52/100
Moderate

Ranked against 399 peers in Banks - Regional

About Central Plains Bancshares, Inc.

Central Plains Bancshares, Inc. operates as the bank holding company for Home Federal Savings and Loan Association of Grand Island that operates as a federally chartered stock savings and loan association in Nebraska, the United States. It offers checking and savings accounts and certificates of deposit. The company also provides one- to four-family residential mortgage loans secured by properties, commercial … Full CPBI analysis →

Key strengths

  • Strong Capital Position Capital position is strong (score 0.98), exceeding regulatory minimums.
  • Diversified Revenue Streams Revenue diversification is evident (growth stability 0.94).

Key risks

  • Weak Deposit Franchise Deposit franchise appears weak (profitability score 0.21).
  • Weak Net Interest Margin Net interest margin proxy is weak (score 0.26).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Developing
47
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Where CPBI ranks in Banks - Regional

Central Plains Bancshares, Inc. ranks #178 of 393 scored companies in Banks - Regional by moat score — the top 45%. The widest moat in the group is 1st Source Corporation (SRCE) at 86/100.

# Company Moat score Rating
174 BanColombia S.A. CIB 53/100 Moderate
175 Associated Banc-Corp ASB 53/100 Moderate
176 CrossFirst Bankshares, Inc. CFB 53/100 Moderate
177 Popular, Inc. BPOP 52/100 Moderate
178 Central Plains Bancshares, Inc. CPBI 52/100 Moderate
179 Itau Unibanco Banco Holding SA ITUB 52/100 Moderate
180 PFIS PFIS 52/100 Moderate
181 Pioneer Bancorp, Inc. PBFS 52/100 Moderate
182 Bridgewater Bancshares, Inc. BWB 52/100 Moderate

See every Banks & Lenders company ranked by moat score →

How CPBI scores on the Bank Specialized defenses

Deposit Franchise

Score 47 · 22% of the moat score

A deposit franchise is the cheapest and most valuable thing a bank can own.

Lending Advantage

Score 44 · 18% of the moat score

Lending advantage is the ability to originate loans at attractive spreads without buying that volume with looser credit standards.

Capital Strength

Score 65 · 20% of the moat score

Capital is the buffer between loan losses and insolvency, and it is what regulators judge a bank on first.

Cost Discipline

Score 44 · 16% of the moat score

Banking carries high fixed costs in branches, compliance and technology, so what it costs to run the bank relative to what the bank earns is a genuine competitive variable.

Revenue Diversification

Score 79 · 14% of the moat score

A bank earning everything from net interest income is a leveraged bet on the rate cycle.

Risk Management

Score 29 · 10% of the moat score

Risk management is the defense that only reveals itself late.

How each Bank Specialized defense is measured, in full →

Understanding CPBI's moat

What is Central Plains Bancshares, Inc.'s moat score?

Central Plains Bancshares, Inc. (CPBI) scores 52 out of 100 on the StatsAlpha Moat Map, which rates its competitive advantage as moderate. It ranks #178 of 393 scored companies in Banks - Regional, the top 45%. The score is a weighted composite of 6 competitive defenses, each measured against industry peers of 399 companies in Banks - Regional. Its strongest defense is Revenue Diversification (79/100) and its weakest is Risk Management (29/100).

How does Central Plains Bancshares, Inc. compare with other Banks - Regional companies?

Central Plains Bancshares, Inc. ranks #178 of 393 scored companies in Banks - Regional by moat score. The widest moat in Banks - Regional is 1st Source Corporation (SRCE) at 86/100. The companies ranked closest are Popular, Inc. (BPOP) at 52 just above it and Itau Unibanco Banco Holding SA (ITUB) at 52 just below it.

How is the moat score calculated?

Each company is scored with an industry-specific template — Bank Specialized in this case, chosen because the defenses that matter to a bank are not the ones that matter to a software company. Every defense combines several financial signals, and each signal is measured as a percentile against a peer group of 399 companies in Banks - Regional. The defenses are then weighted to produce the overall score out of 100.

Why is Central Plains Bancshares, Inc. scored with the Bank Specialized template?

A bank does not sell a product at a margin. It funds itself, lends at a spread, and books profits that remain an estimate until the loans are actually repaid. That makes the usual margin-and-return questions misleading, so the Bank template scores what really determines a bank's durability: where its funding comes from, what it lends against, how much capital stands behind it, and whether it has been pricing risk honestly.

Which competitive defenses are measured for Central Plains Bancshares, Inc.?

The Bank Specialized template measures 6 defenses, and CPBI scores: Deposit Franchise (47), Lending Advantage (44), Capital Strength (65), Cost Discipline (44), Revenue Diversification (79), Risk Management (29). Each is scored independently as a percentile against peers, so a company can be strong on one and weak on another — the overall score reflects how those defenses are weighted for this industry.

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