Central Bancompany (CBC) investor relations material

Executive summary

• Net income for Q1 2026 was $111.1 million, up 17.2% year-over-year, with EPS of $0.46 and ROAA at 2.20%.

• Tangible book value per share rose to $14.38, up 9.8% year-over-year.

• Increased regular quarterly dividend by 118% to $0.12 per share and executed $32 million in share repurchases.

• Recognized as one of America's Best Banks by Forbes and best performing U.S. public bank over $10B in assets by S&P Global.

• Efficiency ratio improved to 46.3% from 49.3% in the prior year quarter.

Financial highlights

• Net interest income grew 10.2% year-over-year to $208.6 million; FTE NIM was 4.36%.

• Noninterest income rose 10.7% year-over-year to $65.1 million, with a $1.7 million gain from consumer lease portfolio liquidation.

• Noninterest expense increased 3.6% year-over-year to $126.6 million; efficiency ratio improved to 46.3%.

• End-of-period loans reached $11.5 billion, up 1% sequentially; average deposits up 5.2% year-over-year to $15.5 billion.

• Total assets stood at $20.5 billion, up 4.4% year-over-year.

Outlook and guidance

• Management expects continued growth in core markets, supported by a diversified loan portfolio and strong capital position.

• Payments revenue expected to ramp up over the balance of the year, with continued growth in commercial and consumer segments.

• Ongoing focus on deploying excess capital for acquisitions and shareholder returns.

• No imminent M&A activity, but active discussions continue; excess capital remains a focus for future deployment.

• Ongoing core modernization and technology investments are expected to drive future efficiency.