Central Bancompany is a U.S. regional banking holding company with a diversified revenue model. Its operations include retail and commercial lending, deposit products, payment services, wealth management, brokerage and trust services, and insurance offerings. Founded in Missouri, the company follows a conservative risk-management approach and focuses on long-term, sustainable growth supported by strong customer loyalty.

Central Bancompany plans to raise approximately $491 million at a valuation of about $5.7 billion. The underwriting syndicate includes Morgan Stanley, KBW, BofA Securities, Piper Sandler, and others.

The company demonstrates stable financial performance, strong customer retention, and increasing investment in digital banking capabilities. Against the backdrop of rising demand for regional financial ecosystems and accelerating banking digitalization, Central Bancompany is viewed as one of the most notable banking IPOs of the year.

The Central Bancompany IPO is considered one of the notable banking offerings of the season. The company is listing on Nasdaq under the ticker CBC, with a price range of $23–25 per share, aiming to raise approximately $491 million, which implies a valuation of around $5.7 billion.

Investor interest is driven by the stability of U.S. regional banks and the growing demand for digital financial services. Central Bancompany stands out with its diversified revenue mix, conservative risk-management approach, and strong base of long-standing customers — factors that enhance its appeal amid volatility in the financial sector.

The deadline for submitting applications and funding accounts is Wednesday, 19 October, 18:00 (UAE).

• Ownership: Central Bancompany is a privately held banking group controlled by the Reuter family and affiliated trusts. The company has historically grown as a family-run business without venture-capital involvement.

• Market position: One of the largest regional banking holding companies in the United States. It operates 156 branches across 79 communities in Missouri, Kansas, Oklahoma, Colorado, and Florida. Key business lines include lending, deposits, wealth management, brokerage, and insurance services.

• Financial performance: Revenue for 1H 2025 totaled $493.2 million, with $186.2 million in net income. As of June 30, 2025, total assets reached $19.1 billion, while wealth-management assets under advice amounted to $14.2 billion. The company demonstrates steady, consistent profitability.

• Risks: Regulatory pressure, margin sensitivity to Federal Reserve interest-rate changes, competition from regional banks and fintech players, and dependence on economic conditions in the markets it serves.

• IPO objective: Strengthening capital, improving financial resilience, supporting organic growth, and further developing the bank’s financial and technological services.

In 1902, when banking was still a local and traditional business, the Central Missouri Trust Company was founded in Jefferson City, Missouri. Over time, the institution evolved: it was renamed The Central Trust Bank in 1969, and in 1970 the holding company Central Bancompany was established. Today, the group operates a network of more than 158 branches across 79 communities in Missouri, Kansas, Oklahoma, Colorado, and Florida.

Throughout its history, the holding has combined tradition with modernization. It offers retail and commercial lending, deposit services, wealth management, brokerage, and insurance solutions. As of June 30, 2025, Central Bancompany reported $19.1 billion in total assets and $14.2 billion in wealth assets under advice.

Now, in 2025, Central Bancompany is preparing to go public with an IPO valuing the business at up to $5.72 billion. The offering is led by top-tier underwriters: Morgan Stanley and Keefe, Bruyette & Woods as joint book-running managers, along with BofA Securities, Piper Sandler & Co., and Stephens Inc.

The Central Bancompany IPO is more than just a listing — it reflects the resilience of a regional bank with deep roots and modern ambitions. The company is not pursuing rapid growth at any cost; instead, it focuses on reliability, technological advancement, and long-term customer relationships, setting a new benchmark for the regional banking sector.

— What is an IPO?
An IPO (Initial Public Offering) is when a private company lists its shares on a stock exchange for the first time to raise capital from investors. From that point onward, the company’s shares can be freely bought and sold on the open market.

— Where are IPOs conducted?
IPOs take place on the world’s largest stock exchanges. In the U.S., the primary venues are the NYSE (New York Stock Exchange) and NASDAQ. Once a company goes public, its shares are freely traded on these exchanges, and the market price is established after the offering.

— What is allocation?
Allocation (from “allocation” — distribution) refers to the process of distributing resources, assets, or capital for maximum efficiency. In investing, allocation usually means distributing the available amount of shares among investors in an IPO or private placement.

— How much allocation does an investor receive?
The allocation size is determined by the terms of each specific offering and typically ranges from 2% to 30% of the submitted application amount. In some cases, the allocation may reach 100%. In rare instances, no allocation may be granted — in that case, the full amount of the application is returned to the investor’s account and becomes available for reinvestment or withdrawal. Information on the actual allocation volume is usually provided about one day before the IPO, approximately six hours prior to the transaction.

Example — Bullish IPO (Aug 13, 2025):
An investor placed an order for $10,000. The allocation was 29.6%, meaning $2,960 was invested in the IPO. The remaining $7,040, including the purchase commission, was refunded to the balance and became available for withdrawal.

Klarna IPO (Sept 10, 2025):
An investor placed an order for $10,000. The allocation was 14%, meaning $1,400 was invested in the IPO. The remaining $8,600, including the purchase commission, was refunded to the balance and became available for withdrawal.

Figure IPO (Sept 11, 2025):
An investor placed an order for $10,000. The allocation was 16%, meaning $1,600 was invested in the IPO. The remaining $8,400, including the purchase commission, was refunded to the balance and became available for withdrawal.

Gemini IPO (Sept 12, 2025):
An investor placed an order for $10,000. The allocation was 29%, meaning $2,900 was invested in the IPO. The remaining $7,100, including the purchase commission, was refunded to the balance and became available for withdrawal.

Legence IPO (Sept 12, 2025):
An investor placed an order for $10,000. The allocation was 78%, meaning $7,800 was invested in the IPO. The remaining $2,200, including the purchase commission, was refunded to the balance and became available for withdrawal.

Black Rock Coffee Bar IPO (Sept 12, 2025):
An investor placed an order for $10,000. The allocation was 68%, meaning $6,800 was invested in the IPO. The remaining $3,200, including the purchase commission, was refunded to the balance and became available for withdrawal.

— Why do companies go public?
To raise growth capital, increase brand visibility, and provide early investors and employees with an opportunity to sell part of their shares.

— How is participating in an IPO different from buying shares on the exchange?
When you participate in an IPO, you buy shares before they start trading publicly. This provides an opportunity to purchase at the fixed offering price but also carries the risk that the price may drop once trading begins.

— What do I get by participating in an IPO through Regolith?
You become an investor in the company at the IPO stage via our U.S. partner infrastructure. After the transaction is completed and the lock-up period expires, profits from the share sale are distributed among investors proportionally to their stake in the deal.

— What is a lock-up period and how long does it last?
A lock-up period is a timeframe set by the issuer and underwriters during which shares cannot be sold. For IPOs offered through our platform, this period is 93 days. Once it ends, the shares are sold on the exchange and proceeds are distributed among investors.

— How is participating through the platform different from buying shares independently?
To buy independently, you would need access to a U.S. broker, a significant investment amount, and approval from underwriters. The platform pools capital from investors, providing access to IPOs that are otherwise unavailable to most individuals.

— Through whom is IPO participation carried out?
We operate through a U.S.-based structure that works with a licensed broker in the U.S. Our partner selects promising IPOs and participates in the offering under its own name.

— How is the deal structured legally?
An investor signs an agreement/offer to participate in the investment product. Regolith then transfers funds to its partner entity — Wealthy Labs Limited (the provider), which enters into a forward contract with the broker and executes all operational activities. The provider delivers the financial outcome to Regolith, which then distributes proceeds among investors.

— Is there a minimum investment amount?
Yes. Each IPO has a defined minimum entry threshold, shown on the offering page. On average, Regolith provides access starting from $500.

— Do I receive shares into my personal brokerage account?
No. Shares are purchased and held in the partner’s brokerage account. After the lock-up period, the broker sells the shares and transfers proceeds for distribution among investors.

— Can shares be transferred directly to my brokerage account?
No. Participation is structured via a forward contract with the partner’s brokerage infrastructure. The deal is executed on behalf of the partner, and settlements with investors are carried out through the platform.

— How can I sell my shares after the IPO?
Sales are processed automatically: once the lock-up expires, the partner broker sells the shares on the exchange, and proceeds are distributed proportionally among investors.

— What are the risks of investing in IPOs?
IPOs are high-risk investments. While they may offer high returns, they also carry significant volatility. Share prices on the first trading day — and after the lock-up — can fluctuate sharply. There is a risk that the market price will fall below the offering price. In addition, macroeconomic and sector-specific factors can affect outcomes.

— Can I know in advance how much I will earn?
IPO returns are not guaranteed. The final result depends on the share price at the time of sale after the lock-up, overall market conditions, and the company’s performance.

— How can I verify that Regolith participates in IPOs?
We publish all available deal information in the client dashboard. Additionally, we provide an agreement disclosing the infrastructure used for transactions. Broker and partner documents are not shared, as they contain confidential data protected by contractual obligations.