Central Bancompany Inc-A 2025年度报告

(Mark One) OR Central Bancompany, Inc.(Exact name of registrant as specified in its charter) ___________________________________________ (573) 634-1111Registrant’s telephone number, including area code Securities registered pursuant to Section 12(b) of the Act: Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. YesNo Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act. YesNo Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filingrequirements for the past 90 days. YesNo Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 ofRegulation S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).YesNo Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or anemerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and "emerging growthcompany" in Rule 12b-2 of the Exchange Act. If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any newor revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. Indicate by check mark whether the registrant has filed a report on and attestation to its management’s assessment of the effectiveness of its internalcontrol over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm thatprepared or issued its audit report. If securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the registrant included in thefiling reflect the correction of an error to previously issued financial statements. Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act). YesNo The aggregate market value of the common stock held by non-affiliates of the registrant on December31, 2025, based on the closing price of theregistrant’s Class A common stock as reported by Nasdaq on that date, was approximately $2.0 billion. The registrant has elected to use December31,2025, as the calculation date because on June30, 2025 (the last business day of the registrant's most recently completed second fiscal quarter), theregistrant was a privately held company. This calculation does not reflect a determination that certain persons are affiliates of the registrant for any otherpurpose. The registrant had240,293,104outstanding shares as ofMarch23, 2026.___________________________________________ DOCUMENTS INCORPORATED BY REFERENCE Portions of the Registrant’s definitive proxy statement for its 2026 annual meeting of shareholders, which will be filed within 120 days ofDecember31, 2025, are incorporated by reference into Part III of this Annual Report on Form 10-K. TABLE OF CONTENTS EXPLANATORY NOTECAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS Item 1. BusinessItem 1A. Risk FactorsItem 1B. Unresolved Staff CommentsItem 1C. CybersecurityItem 2. PropertiesItem 3. Legal ProceedingsItem 4. Mine Safety Disclosures PART II Item 5. Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity SecuritiesItem 6. [Reserved]Item 7. Management’s Discussion and Analysis of Financial Condition and Results of OperationsItem 7A. Quantitative and Qualitative Disclosures About Market RiskItem 8. Financial Statements and Supplementary DataItem 9. Changes in and Disagreements with Accountants on Accounting and Financial DisclosureItem 9A. Controls and ProceduresItem 9B. Other InformationItem 9C. Disclosure Regarding Foreign Jurisdictions that Prevent Inspections PART III Item 10. Directors, Executive Officers and Corporate Governance145Item 11. Executive Compensation145Item 12. Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters146Item 13. Certain Relationships and Related Transactions, and Director Independence146Item 14. Principal Accountant Fees and Services146 PART IV Item 15. Exhibits and Financial Statement Schedules146Item 16. Form 10-K Summary148 SIGNATURES EXPLANATORY NOTE Except as otherwise stated or the context otherwise requires, references in this Annual Report on Form 10-K to: •We,Our,Us, and theCompany- Central Bancompany, Inc., and its subsidiaries•theBank- The