CPBI Q1 FY2027: Net income up 51.0% to $1.5M on margin expansion and cost cuts

Filed August 12, 2026 · Period ending June 30, 2026 · Compared to 10-Q Aug 12, 2025 · ~2 min read

Key Changes

• high

  Net income rose 51.0% to $1.5 million from $988,000, driven by a 20-basis-point margin expansion to 3.95% and a 33% reduction in data processing costs to $335,000 following renegotiated pricing with the core provider.

  MD&A: Net Income & Operating Expenses verify on EDGAR →
• high

  Loan growth stalled at -0.2% versus 2.7% growth in the prior-year quarter, as commercial real estate grew 9.0% but other categories declined. Deposits reversed course, growing 1.2% versus a 3.7% decline in Q1 FY2026.

  MD&A: Loan & Deposit Growth verify on EDGAR →
• high

  Interest-rate sensitivity reversed: a 200-basis-point rate increase would now boost net interest income by 0.98% and market value of equity by 3.57%, versus declines of 0.50% and 0.32% respectively in the prior year.

  MD&A: Interest Rate Risk verify on EDGAR →