CPBI — what changed in the latest 10-Q
A section-by-section comparison of CPBI's newest periodic SEC filing (10-K/10-Q) against the prior same-form filing: paragraphs added and removed per section, with verbatim excerpts. Purely a deterministic text diff — no similarity scores, no directional read, not investment advice.
Comparing 10-Q · 2026-08-12 vs the prior 10-Q · 2026-02-11
| Section | Outcome | Added | Removed | Minor | Unchanged |
|---|---|---|---|---|---|
| MD&A | Text added/removed | +29 | −36 | ~20 | 56 |
| Market risk (Item 3) | No paragraph-level changes | 0 | 0 | 0 | 1 |
| Controls & procedures | No paragraph-level changes | 0 | 0 | 0 | 2 |
| Legal proceedings | Text added/removed | 0 | 0 | ~1 | 0 |
Counts are paragraphs; added/removed means text added or removed vs the prior filing — no direction or judgement implied.
Not shown (absent or not faithfully extractable): Risk factors, Other information
Representative excerpts
Up to 5 excerpts of about 300 characters per section, quoted verbatim from the two SEC filings.
MD&A
Text added vs the prior filing · source: 10-Q · 2026-08-12
Cash and Cash Equivalents. Cash and cash equivalents increased $4.5 million, or 15.1%, to $34.4 million at June 30, 2026, from $29.9 million at March 31, 2026. This increase was primarily attributable to increased deposits.
Gross Loans. Loans decreased $910,000, or 0.2%, to $447.4 million at June 30, 2026, from $448.3 million at March 31, 2026. We saw growth in two categories, real estate commercial and agriculture, but declines in the remainder. The largest increase occurred in commercial real estate loans, which rose…
Comparison of Operating Results for the Three Months Ended June 30, 2026 and 2025
General. Net income was $1.5 million for the three months ended June 30, 2026, compared to $988,000 for the same period in 2025.
Interest and Dividend Income. Interest and dividend income increased $1.1 million, or 16.8%, to $7.7 million for the three months ended June 30, 2026, compared to $6.6 million for the same period in 2025. The increase was primarily driven by higher yields on interest-earning assets, loan growth, and…
Text removed vs the prior filing · source: 10-Q · 2026-02-11
Cash and cash equivalents. Cash and cash equivalents decreased $574,000, or 2.0%, to $28.1 million at December 31, 2025, from $28.7 million at March 31, 2025. This decrease was primarily attributable to increased loan funding. Management continues to monitor liquidity based on alternative uses of fu…
Gross Loans. Loans increased $28.0 million, or 7.0%, to $430.2 million at December 31, 2025, from $402.2 million at March 31, 2025. Growth was driven by increases across all loan categories except land development and SIDs, and other consumer loans. The largest increase occurred in commercial non-re…
Net interest rate spread represents the difference between the weighted average yield on interest-earning assets and the weighted average rate of interest-bearing liabilities.
Net interest-earning assets represent total interest-earning assets less total interest-bearing liabilities.
Net interest margin represents net interest income divided by average total interest-earning assets.
How to read Risk Factors (Item 1A) in a 10-Q
A 10-Q risk-factor section usually takes one of three forms; this page classifies it as one of:
- Pointer — the filer states there have been no material changes and points back to the annual 10-K risk factors; there is no own risk text to compare this quarter.
- Partial update — the filer carves out specific updated risks ("except as set forth below"); the excerpts show exactly what is new this quarter.
- Restated in full — the quarter carries the complete risk-factor text. When the prior quarter was only a pointer there is no prior full text to diff against, so the page flags the section as restated instead.
This describes the filing structure only — it is never a judgement on whether risk went up or down.
Source: text-level diff of the two SEC EDGAR filings · deterministic (no AI-generated content) · for reference only · not investment advice