Central Bancompany (CBC) investor relations material

Executive summary

• Net income for Q2 2026 was $113.8 million ($0.47 per diluted share), up 24.5% year-over-year, with strong loan and deposit growth and robust wealth management inflows.

• Return on average assets (ROAA) reached 2.24% for the quarter.

• Opened three new full-service branches in underpenetrated metro markets, advancing growth initiatives.

• Continued focus on customer service, community engagement, and special initiatives.

Financial highlights

• Net interest income rose 9.1% year-over-year to $212.8 million, with net interest margin (NIM) at 4.43%.

• Noninterest income increased 38.9% year-over-year to $69.6 million, driven by higher wealth management and fee income.

• Efficiency ratio improved to 46.1% from 48.4% in the prior year quarter.

• Tangible book value per share rose to $14.68 at June 30, 2026.

• Noninterest expense grew 3.6% year-over-year to $131.4 million, mainly due to higher salaries and benefits.

Outlook and guidance

• Management expects gradual easing of the prime rate and continued moderate economic growth.

• Loan growth momentum remains strong, with robust pipelines and investments in metro markets.

• Expectation for loan yields to rise due to repricing; deposit costs anticipated to remain stable.

• Public fund deposits expected to decline seasonally in Q3 and increase in Q4.

• Strategic focus on core deposit franchise, prudent risk management, and selective investment in technology and branch expansion.