Central Bancompany, Inc. Reports Third Quarter 2026 Results

Third Quarter 2026 Financial Highlights

• Net income of $116.2 million, or $0.48 per fully diluted share, compared to $113.8 million and $0.47 in the prior quarter and $97.1 million, or $0.44 in the prior year quarter
• Net interest income of $218.9 million, reflecting a net interest margin (“NIM”) of 4.48% compared to 4.40% in the prior quarter and 4.36% in the prior year quarter
• Average total loans held for investment of $11.7 billion, quarterly increase of $0.1 billion, or 3.2% annualized, from the prior quarter
• Average total deposits of $15.4 billion, an increase of $0.6 billion or 4.4% from prior year quarter
• Return on average assets (“ROAA”) of 2.27%
• Efficiency ratio of 45.9% and efficiency ratio (FTE)¹ of 45.4%
• Asset quality remained strong, with nonperforming assets at 33 bps of total assets and annualized net charge-offs of 12 bps for the quarter

JEFFERSON CITY, Mo., Oct. 27, 2026 (GLOBE NEWSWIRE) -- Central Bancompany, Inc. (Nasdaq: CBC) (“Central Bancompany”, “the Company”, or “CBC”), the bank holding company for The Central Trust Bank (the “Bank”), today announced preliminary financial results for the third quarter 2026.

John “JR” Ross, President and Chief Executive Officer of Central Bancompany, commented: “We delivered another strong quarter, supported by continued balance sheet growth, disciplined expense management, and solid credit quality. Adjusted net income¹ increased $13.7 million from a year ago and $2.8 million from the prior quarter. Year-over-year performance reflected growth in net interest income and noninterest income that outpaced expense growth, while linked-quarter results benefited from continued net interest margin expansion and higher net interest income driven by our asset-sensitive balance sheet. These favorable trends were partially offset by lower mortgage banking revenues.”

Ross continued, “Underlying business fundamentals remained healthy across our franchise. Average total deposits increased more than 4% from the prior-year quarter, including 6% growth in noninterest-bearing deposits, while average loans grew at an annualized rate of more than 3% from the prior quarter despite our continued focus on reducing certain consumer loan balances. Credit quality remained benign, and we maintained our allowance for credit losses coverage ratio while modestly increasing the overall reserve balance to support loan growth.”

“We also continue to align our leadership talent with our strongest growth opportunities. Matthew Adams has been named President and CEO of our Oklahoma market, and Brandy Bryant, formerly a Mid-Missouri market CEO, has assumed a new enterprise leadership role focused on consumer and small business credit products and processes. Both are accomplished leaders with more than 20 years of experience with our company and are well positioned to support continued growth and execution across our franchise.”

“These results reflect the resilience of our business model, the strength of our customer relationships, and the dedication of our associates across all of our markets.”

Net Interest Income and Net Interest Margin

Net interest income totaled $218.9 million in the third quarter of 2026, increasing from both the prior year period and prior quarter, reflecting growth in average earning assets and expansion in net interest margin. Net interest margin increased to 4.48% (4.51% on an FTE basis¹), compared with 4.36% in the prior year quarter and 4.40% in the second quarter of 2026. The increase was driven by higher loan and securities yields, continued loan growth, a favorable earning asset mix, and lower balances of interest-earning cash.

Average earning assets grew 7.1% year-over-year to $19.4 billion, supported by solid deposit growth and higher capital levels. Average total loans held for investment increased to $11.7 billion, with broad based growth across core lending categories. Period-end loans exceeded the quarterly average by $54 million, providing positive momentum entering the fourth quarter.

Average total deposits grew 4% year-over-year to $15.4 billion, driven by continued growth in both noninterest-bearing and interest-bearing non-maturity deposits. The cost of deposits improved to 1.11%, down 8 basis points from the prior year quarter and stable with the linked quarter.

Provision for credit losses

The provision for credit losses was $4.0 million for the third quarter of 2026, an increase of 14.2% from the prior quarter driven primarily by loan growth. The allowance for credit losses ended the quarter at $150.9 million, up slightly from the prior quarter end and representing 1.29% of loans held for investment. The allowance rate reflects continued stable credit quality trends and an ongoing shift in portfolio composition toward higher credit quality loans.

Noninterest income

Total noninterest income was $66.8 million for the third quarter of 2026, an increase of $9.7 million or 17.0% from the prior year quarter. Adjusted noninterest income¹ was $66.6 million, reflecting 4.0% growth year-over-year, consistent with our steady fee income expansion.

Wealth management services remained a key growth driver, with revenues increasing $3.4 million, or 16.7%, year-over-year to $23.6 million, supported by 13.8% growth in assets under advice to $17.5 billion. Service charges and commissions and payment services revenue also contributed positively, growing 3.3% and 4.0% year-over-year, respectively.

Mortgage banking revenues declined $1.5 million, or 14.3%, year-over-year to $8.8 million, attributable to reduced origination volumes in the higher interest rate environment.

The fee income ratio remained strong at 23.4% for the third quarter of 2026, despite the 10.0% increase in net interest income year-over-year.

Noninterest expense

Total noninterest expense was $131.0 million for the third quarter of 2026, an increase of $4.0 million, or 3.2% compared to the third quarter of 2025. Expense growth remained well below our revenue growth rate, reflecting continued expense discipline and positive operating leverage.

Salaries and employee benefits totaled $80.0 million, remaining stable compared with the prior quarter while increasing $4.7 million, or 6.3%, from the prior year quarter, primarily due to annual merit increases and higher performance-based compensation. This increase was partially offset by lower non-personnel expenses, including legal and professional fees, which declined $0.9 million, or 13.9%, reflecting lower technology consulting costs compared to the prior year quarter. Occupancy and technology expenses also declined modestly from the prior year period.

The efficiency ratio (FTE)¹ improved to 45.4% for the third quarter of 2026, compared to 46.1% in the prior quarter and 47.7% in the third quarter of 2025, reflecting our ability to grow revenues at a faster rate than expenses.

Provision for income taxes

The third quarter 2026 provision for income taxes was $34.4 million, up $0.7 million from the second quarter of 2026 and $5.9 million from the third quarter of 2025, reflecting higher pre-tax earnings. The effective tax rate was 22.8% for the current quarter, generally consistent with prior periods.

^{1 This is a non-GAAP financial measure management believes is helpful to understanding trends in our business that may not be fully apparent based only on the most comparable GAAP financial measure. Further information on this financial measure and a reconciliation to the most comparable GAAP financial measure is provided at the end of this release.}

Asset quality

Asset quality remained strong. Nonperforming assets at September 30, 2026 were $66.0 million, or 33 basis points of total assets, up only slightly from 30 basis points at the end of the prior year quarter. Net charge-offs were $3.6 million for the quarter, 12 basis points (annualized) of average total loans. Credit costs remained in line with prior quarters.

Delinquent loans at September 30, 2026 were $27.6 million, or 24 basis points of loans held for investment, as compared to 21 basis points at the end of the prior year quarter.

Capital

Capital levels at September 30, 2026 remained very strong. Our CET1 ratio was 29.1% and represented $2.0 billion of excess capital when compared to our long-term CET1 target of 13.5%. The Bank’s CET1 ratio was 13.4% at September 30, 2026. The difference in the consolidated capital ratio and the capital ratio at the Bank represents capital that is readily available to be deployed.

Our book value per share at September 30, 2026 was $16.04, whereas our tangible book value per share¹ was $14.58, of which $6.30 per share represents core tangible book value¹, with the remaining $8.28 per share attributable to excess capital.

Conference Call and Webcast Information

The Company will host a conference call and webcast at 9:00 a.m. CT on Tuesday, October 27, 2026. The call may include discussion of Company developments, forward-looking statements and other material information about business and financial matters. This press release and a related slide presentation will be accessible on the Company’s investor relations website https://investor.centralbank.net. The call can be accessed via this same website or by using the following link: https://edge.media-server.com/mmc/p/oysdru7q/. A recorded replay of the conference call will be available on the website after the call’s completion.

About Central Bancompany, Inc.

Central Bancompany, Inc. is a bank holding company headquartered in Jefferson City, Missouri, with approximately $20.2 billion in assets as of September 30, 2026. Its banking subsidiary, The Central Trust Bank, has been serving businesses and customers since 1902. The bank is built on a strong foundation of people, community service, and technology. The Central Trust Bank is a Missouri state-chartered trust company with banking powers and a Federal Reserve state member bank, serving consumers and businesses in Missouri, Kansas, Oklahoma, Colorado, and Florida. Divisions of The Central Trust Bank include Central Trust Company and Central Investment Advisors.

Non-GAAP Financial Information

In this release, we provide information about certain non-GAAP financial measures. This information supplements the results that are reported according to generally accepted accounting principles in the United States (“GAAP”) and should not be viewed in isolation from, or as a substitute for, GAAP results. The differences between the non-GAAP financial measures and the nearest comparable GAAP financial measures are reconciled later in this release. We are presenting these non-GAAP financial measures because we believe, when taken collectively, they may be helpful to investors because they provide consistency and comparability with past financial performance by excluding certain items that may not be indicative of our business, results of operations or outlook. The non-GAAP measures as defined by the Company may not be comparable to similar non-GAAP measures presented by other companies.

Cautionary Note Regarding Forward-Looking Statements

This press release may contain forward-looking statements within the meaning of, and intended to be covered by, the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. You should not place undue reliance on forward-looking statements because they are subject to numerous uncertainties and factors relating to our operations and business, all of which are difficult to predict and many of which are beyond our control. Forward-looking statements include information concerning our possible or assumed future results of operations, including descriptions of our business strategy. These forward-looking statements are generally identified by the use of forward-looking terminology, including the terms “anticipate,” “believe,” “could,” “estimate,” “expect,” “intend,” “may,” “plan,” “potential,” “predict,” “project,” “should,” “target,” “will,” “would” and, in each case, their negative or other variations or comparable terminology and expressions. All statements other than statements of historical facts contained in this press release are forward-looking statements. We have based the forward-looking statements contained herein on our current expectations and projections about future events and trends that we believe may affect our business, financial condition, results of operations and prospects. The outcome of the events described in these forward-looking statements is subject to risks, uncertainties and other factors described in “Cautionary Note Regarding Forward-Looking Statements,” Part I Item 1A - "Risk Factors" and Part II Item 7 - "Management's Discussion and Analysis of Financial Condition and Results of Operations" in the Company's 2025 Annual Report on Form 10-K. Moreover, we operate in a very competitive and rapidly changing environment. New risks and uncertainties emerge from time to time, and it is not possible for us to predict all risks and uncertainties that could have an impact on the forward-looking statements. The forward-looking statements relate only to events as of the date on which the statements are made. Our statements should not be read to indicate that we have conducted an exhaustive inquiry into, or review of, all potentially available relevant information. These forward-looking statements are not guarantees of future performance and involve certain risks, uncertainties, and assumptions which are difficult to predict with regard to timing, extent, likelihood and degree of occurrence. Therefore, actual results and outcomes may materially differ from what is expected, implied or forecasted in such forward-looking statements. These forward-looking statements are inherently uncertain and you are cautioned not to unduly rely upon these statements. We undertake no obligation to update any forward-looking statements made in this press release to reflect events or circumstances after the date of this press release or to reflect new information or the occurrence of unanticipated events, except as required by law.

Media Contact:		Investor Relations Contact:
Dan Westhues		Charlie Martin
SEVP, Chief Customer Officer		Corporate Development Officer
Central Bancompany, Inc.		Central Bancompany, Inc.
dan.westhues@centralbank.net		charlie.martin@centralbank.net
(573) 634-1281		(314) 686-7007

Current quarter, prior quarter and prior year quarter information is provided on pages 5-8 below.

Central Bancompany, Inc. and Subsidiaries
Quarterly Consolidated Balance Sheets (unaudited)
	Q3			Q2			Q3				Q vs PQ						Q vs PYQ
	FY26			FY26			FY25				$VAR			%VAR			$VAR			%VAR
	(dollars in thousands, except per common share data)
Assets
Cash and due from banks	$	188,916		$	244,257		$	217,621			$	(55,341	)	(22.7)%			$	(28,705	)	(13.2)%
Short-term earning assets		563,556			525,044			812,449				38,512		7.3	%			(248,893	)	(30.6)%
Investment securities		6,925,764			7,072,074			6,017,738				(146,310	)	(2.1)%				908,026		15.1	%
Loans held for investment:
Construction and development		517,308			569,593			534,852				(52,285	)	(9.2)%				(17,544	)	(3.3)%
Commercial, financial & agricultural		1,781,558			1,799,584			1,736,276				(18,026	)	(1.0)%				45,282		2.6	%
Non-owner-occupied commercial real estate 1		3,340,832			3,249,479			3,156,493				91,353		2.8	%			184,339		5.8	%
Owner-occupied commercial real estate		1,614,970			1,595,866			1,583,150				19,104		1.2	%			31,820		2.0	%
Commercial real estate		4,955,802			4,845,345			4,739,643				110,457		2.3	%			216,159		4.6	%
Total commercial loans		7,254,668			7,214,522			7,010,771				40,146		0.6	%			243,897		3.5	%
Residential mortgage loans 2		3,496,137			3,475,428			3,250,731				20,709		0.6	%			245,406		7.5	%
Home equity lines of credit		456,541			433,330			390,777				23,211		5.4	%			65,764		16.8	%
Consumer credit card		100,482			98,107			92,881				2,375		2.4	%			7,601		8.2	%
Other consumer loans		429,422			462,469			588,192				(33,047	)	(7.1)%				(158,770	)	(27.0)%
Total residential and consumer loans		4,482,582			4,469,334			4,322,581				13,248		0.3	%			160,001		3.7	%
Total unpaid principal balance		11,737,250			11,683,856			11,333,352				53,394		0.5	%			403,898		3.6	%
Add: Unearned income		(9,810	)		(10,240	)		(10,034	)			430		(4.2)%				224		(2.2)%
Loans held for investment		11,727,440			11,673,616			11,323,318				53,824		0.5	%			404,122		3.6	%
Less: Allowance for credit losses		(150,888	)		(150,417	)		(149,459	)			(471	)	0.3	%			(1,429	)	1.0	%
Net loans		11,576,552			11,523,199			11,173,859				53,353		0.5	%			402,693		3.6	%
Loans held for sale		17,791			27,751			21,830				(9,960	)	(35.9)%				(4,039	)	(18.5)%
Land, buildings, and equipment, net		224,518			223,803			214,550				715		0.3	%			9,968		4.6	%
Goodwill and intangibles		349,495			350,055			352,470				(560	)	(0.2)%				(2,975	)	(0.8)%
Other assets		379,063			328,644			373,088				50,419		15.3	%			5,975		1.6	%
Total assets	$	20,225,657		$	20,294,827		$	19,183,605			$	(69,170	)	(0.3)%			$	1,042,052		5.4	%
Liabilities and Stockholders' Equity
Deposits:
Noninterest-bearing demand	$	5,652,941		$	5,570,404		$	5,317,961			$	82,537		1.5	%		$	334,980		6.3	%
Savings and interest-bearing demand		8,159,302			8,263,224			7,767,084				(103,922	)	(1.3)%				392,218		5.0	%
Time		1,503,637			1,544,211			1,704,182				(40,574	)	(2.6)%				(200,545	)	(11.8)%
Total deposits		15,315,880			15,377,839			14,789,227				(61,959	)	(0.4)%				526,653		3.6	%
Federal funds purchased and customer repurchase agreements		932,323			913,127			958,766				19,196		2.1	%			(26,443	)	(2.8)%
Total customer funds		16,248,203			16,290,966			15,747,993				(42,763	)	(0.3)%				500,210		3.2	%
Other liabilities		138,728			138,100			151,198				628		0.5	%			(12,470	)	(8.2)%
Total liabilities		16,386,931			16,429,066			15,899,191				(42,135	)	(0.3)%				487,740		3.1	%
Stockholders' equity:
Common equity		4,158,294			4,069,687			3,422,555				88,607		2.2	%			735,739		21.5	%
Accumulated other comprehensive (loss)		(177,364	)		(65,533	)		(38,983	)			(111,831	)	170.6	%			(138,381	)	355.0	%
Less: Treasury stock		(142,204	)		(138,393	)		(99,158	)			(3,811	)	2.8	%			(43,046	)	43.4	%
Total stockholders' equity		3,838,726			3,865,761			3,284,414				(27,035	)	(0.7)%				554,312		16.9	%
Total liabilities and stockholders' equity	$	20,225,657		$	20,294,827		$	19,183,605			$	(69,170	)	(0.3)%			$	1,042,052		5.4	%
1 Non-owner occupied commercial real estate loans updated presentation to include multi-family loans
2 Residential mortgage loans updated presentation to include residential construction and development

Central Bancompany, Inc. and Subsidiaries
Quarterly Consolidated Statements of Income (unaudited)
	Q3		Q2		Q3				Q vs PQ						Q vs PYQ
	FY26		FY26		FY25				$VAR			%VAR			$VAR			%VAR
	(dollars in thousands, except per common share data)
Interest income:
Loans	$	184,767	$	179,874	$	179,351			$	4,893		2.7	%		$	5,416		3.0	%
Investment securities		76,002		73,491		62,343				2,511		3.4	%			13,659		21.9	%
Short-term earning assets		6,337		7,059		7,081				(722	)	(10.2)	%			(744	)	(10.5)	%
Total interest income		267,106		260,424		248,775				6,682		2.6	%			18,331		7.4	%
Interest expense:
Deposits		42,990		42,176		44,066				814		1.9	%			(1,076	)	(2.4)	%
Federal funds purchased and customer repurchase agreements		5,260		5,464		5,837				(204	)	(3.7)	%			(577	)	(9.9)	%
Total interest expense		48,250		47,640		49,903				610		1.3	%			(1,653	)	(3.3)	%
Net interest income		218,856		212,784		198,872				6,072		2.9	%			19,984		10.0	%
Provision for credit losses		4,038		3,535		3,382				503		14.2	%			656		19.4	%
Noninterest income:
Wealth management services		23,612		23,244		20,239				368		1.6	%			3,373		16.7	%
Payment services revenue		17,803		18,253		17,111				(450	)	(2.5)	%			692		4.0	%
Service charges and commissions		15,444		14,785		14,955				659		4.5	%			489		3.3	%
Mortgage banking revenues, net		8,826		10,615		10,297				(1,789	)	(16.9)	%			(1,471	)	(14.3)	%
Investment securities gains (losses), net		229		616		(6,920	)			(387	)	(62.8)	%			7,149		(103.3)	%
Other income		886		2,042		1,388				(1,156	)	(56.6)	%			(502	)	(36.2)	%
Total noninterest income		66,800		69,555		57,070				(2,755	)	(4.0)	%			9,730		17.0	%
Adjustments:
Investment securities gains (losses), net		229		616		(6,920	)			(387	)	(62.8)	%			7,149		(103.3)	%
Total adjusted noninterest income 1		66,571		68,939		63,990				(2,368	)	(3.4)	%			2,581		4.0	%
Noninterest expenses:
Salaries and employee benefits		80,006		80,036		75,298				(30	)	—	%			4,708		6.3	%
Net occupancy and equipment		12,488		12,392		12,748				96		0.8	%			(260	)	(2.0)	%
Computer software and maintenance		5,692		5,490		6,032				202		3.7	%			(340	)	(5.6)	%
Marketing and business development		4,937		5,273		4,818				(336	)	(6.4)	%			119		2.5	%
Legal and professional fees		5,275		5,569		6,125				(294	)	(5.3)	%			(850	)	(13.9)	%
Bankcard processing, rewards and related cost		8,375		8,263		8,040				112		1.4	%			335		4.2	%
Other expenses		14,206		14,331		13,884				(125	)	(0.9)	%			322		2.3	%
Total noninterest expenses		130,979		131,354		126,945				(375	)	(0.3)	%			4,034		3.2	%
Income before income taxes		150,639		147,450		125,615				3,189		2.2	%			25,024		19.9	%
Income taxes		34,397		33,677		28,516				720		2.1	%			5,881		20.6	%
Net income	$	116,242	$	113,773	$	97,098			$	2,470		2.2	%		$	19,144		19.7	%
Investment securities gains (losses), net of taxes		175		469		(5,270	)			(294	)	(62.7)	%			5,445		(103.3)	%
Adjusted net income 1	$	116,067	$	113,304	$	102,369			$	2,764		2.4	%		$	13,699		13.4	%
End of period shares		239,382		239,505		220,665				(123	)	(0.1)	%			18,717		8.5	%
Weighted average fully diluted shares		239,550		239,679		220,059				(129	)	(0.1)	%			19,491		8.9	%
Net income per common share - diluted	$	0.48	$	0.47	$	0.44			$	0.01		2.2	%		$	0.04		9.9	%
Adjusted net income 1 per common share - diluted	$	0.48	$	0.47	$	0.47			$	0.01		2.5	%		$	0.02		4.1	%
Dividends / share	$	0.12	$	0.12	$	0.06			$	-		—	%		$	0.07		118.2	%
1 These are non-GAAP financial measures management believes are helpful to understanding trends in our business that may not be fully apparent based only on the most comparable GAAP financial measures. Further information on these financial measures and reconciliations to the most comparable GAAP financial measures are provided at the end of this release.

Central Bancompany, Inc. and Subsidiaries
Quarterly Summary of Financial Results (unaudited)
	Q3			Q2			Q3				Q vs PQ						Q vs PYQ
	FY26			FY26			FY25				$VAR			%VAR			$VAR			%VAR
	(dollars in thousands, except per common share data and other information)
Financial Ratios (GAAP)
Net interest margin		4.48	%		4.40	%		4.36	%			0.08	%	1.83	%			0.12	%	2.71	%
Return on average total assets 2		2.27	%		2.24	%		2.02	%			0.02	%	0.97	%			0.25	%	12.26	%
Return on average common equity 2		11.9	%		11.9	%		11.9	%			—	%	—	%			—	%	(0.3	)%
Fee income ratio		23.4	%		24.6	%		22.3	%			(1.3)	%	(5.1	)%			1.1	%	4.9	%
Efficiency ratio		45.9	%		46.5	%		49.6	%			(0.7)	%	(1.4	)%			(3.7)	%	(7.6	)%
Effective tax rate		22.8	%		22.8	%		22.7	%			—	%	—	%			0.1	%	0.6	%
Financial Ratios (Non-GAAP) 1
Net interest margin (FTE) 3		4.51	%		4.43	%		4.39	%			0.08	%	1.83	%			0.12	%	2.72	%
Adjusted return on average total assets 2		2.26	%		2.23	%		2.13	%			0.03	%	1.24	%			0.13	%	6.32	%
Adjusted return on average common equity 2		11.8	%		11.8	%		12.5	%			—	%	0.2	%		(0.7		)%	(5.6	)%
Return on average tangible common equity 2		13.1	%		13.1	%		13.4	%			—	%	(0.3	)%		(0.4		)%	(2.6	)%
Adjusted return on average tangible common equity 2		13.1	%		13.1	%		14.2	%			—	%	(0.1	)%		(1.1		)%	(7.8	)%
Adjusted fee income ratio		23.3	%		24.5	%		24.3	%		(1.1)		%	(4.7	)%		(1.0		)%	(4.2	)%
Efficiency ratio (FTE) 3		45.4	%		46.1	%		47.7	%		(0.6)		%	(1.4	)%		(2.3		)%	(4.8	)%
Net Interest Margin & Yields
Interest-earning cash yield 3		3.92	%		3.86	%		4.64	%			0.06	%	1.6	%		(0.71		)%	(15.4	)%
Investment securities yield 3		4.32	%		4.22	%		4.09	%			0.10	%	2.5	%			0.23	%	5.7	%
Loan yield 3		6.29	%		6.24	%		6.28	%			0.05	%	0.8	%			0.01	%	0.2	%
Cost of deposits		1.11	%		1.10	%		1.19	%			0.01	%	0.7	%		(0.08		)%	(6.5	)%
Cost of funds		1.17	%		1.17	%		1.26	%			—	%	0.4	%		(0.09		)%	(7.0	)%
Loan to deposit ratio		76.7	%		76.1	%		76.7	%			0.6	%	0.8	%			—	%	—	%
Interest-free funds ratio		44.5	%		44.0	%		42.2	%			0.5	%	1.0	%			2.3	%	5.4	%
Interest-earning asset yield 3		5.50	%		5.42	%		5.49	%			0.08	%	1.5	%			0.01	%	0.2	%
Cost of total interest-bearing liabilities		1.78	%		1.76	%		1.89	%			0.02	%	1.1	%		(0.11		)%	(6.0	)%
Net interest spread		3.72	%		3.66	%		3.59	%			0.06	%	1.8	%			0.13	%	3.5	%
Benefit of interest-free funds		0.79	%		0.78	%		0.80	%			0.02	%	2.2	%		(0.01		)%	(1.0	)%
Other Information
Number of full service offices		159			159			155				—		—	%			4		2.6	%
Full-time equivalent employees		2,921			2,971			2,911				(50	)	(1.7	)%			10		0.3	%
Consolidated Capital Ratios
Tier 1 capital ratio		29.1	%		28.6	%		24.6	%			0.4	%	1.5	%			4.5	%	18.1	%
Total risk-based capital ratio		30.2	%		29.8	%		25.8	%			0.4	%	1.4	%			4.4	%	17.1	%
Tier 1 leverage ratio		18.3	%		17.9	%		15.9	%			0.4	%	2.2	%			2.4	%	15.0	%
Common equity tier 1 ratio		29.1	%		28.6	%		24.6	%			0.4	%	1.5	%			4.5	%	18.1	%
Total stockholders' equity to total assets		19.0	%		19.0	%		17.1	%			(0.1)	%	(0.4	)%			1.9	%	10.9	%
Tangible common equity to tangible assets (non-GAAP)1		17.6	%		17.6	%		15.6	%			(0.1)	%	(0.4	)%			2.0	%	12.8	%
Risk-weighted assets	$	12,737		$	12,633		$	12,212			$	104		0.8	%		$	525		4.3	%
Book value per share	$	16.04		$	16.14		$	14.88			$	(0.10	)	(0.6	)%		$	1.15		7.7	%
Tangible book value per share (non-GAAP)1	$	14.58		$	14.68		$	13.29			$	(0.10	)	(0.7	)%		$	1.29		9.7	%
Closing stock price per share	$	31.25		$	30.38			NA			$	0.87		2.9	%			NA		NA
Bank-Level Ratios
Tier 1 capital ratio		13.4	%		12.7	%		13.6	%			0.7	%	5.9	%		(0.1		)%	(1.0	)%
Total risk-based capital ratio		14.6	%		13.9	%		14.8	%			0.7	%	5.3	%		(0.2		)%	(1.2	)%
Tier 1 leverage ratio		8.5	%		7.9	%		8.8	%			0.5	%	6.5	%		(0.3		)%	(3.5	)%
Common equity Tier 1 ratio		13.4	%		12.7	%		13.6	%			0.7	%	5.9	%		(0.1		)%	(1.0	)%
1 These are non-GAAP financial measures management believes are helpful to understanding trends in our business that may not be fully apparent based only on the most comparable GAAP financial measures. Further information on these financial measures and reconciliations to the most comparable GAAP financial measures are provided at the end of this release.
2 Annualized for all partial-year periods.
3 Fully-tax equivalent basis.
Asset Quality
Allowance for credit losses / loans held for investment		1.29	%		1.29	%		1.32	%			—	%	(0.1	)%		(0.03		)%	(2.5	)%
Allowance for credit losses	$	150,888		$	150,417		$	149,459			$	471		0.3	%		$	1,429		1.0	%
Allowance for unfunded loan commitments	$	376		$	360		$	384			$	16		4.4	%		$	(8	)	(2.1	)%
Allowance for investment securities	$	12		$	12		$	16			$	—		—	%		$	(4	)	(25.0	)%
Nonperforming loans / loans held for investment		0.54	%		0.49	%		0.45	%			0.05	%	9.6	%			0.09	%	19.6	%
Nonperforming loans	$	62,901		$	57,152		$	50,774			$	5,749		10.1	%		$	12,127		23.9	%
Nonperforming commercial loans	$	32,755		$	28,431		$	18,265			$	4,324		15.2	%		$	14,490		79.3	%
Nonperforming consumer loans	$	30,146		$	28,721		$	32,509			$	1,425		5.0	%		$	(2,363	)	(7.3	)%
Nonperforming assets / total assets		0.33	%		0.30	%		0.30	%			0.03	%	9.9	%			0.03	%	9.0	%
Nonperforming assets	$	65,987		$	60,242		$	57,416			$	5,745		9.5	%		$	8,571		14.9	%
Net charge-offs / average loans		0.12	%		0.10	%		0.12	%			0.02	%	15.6	%			—	%	0.1	%
Net charge-offs	$	3,551		$	3,015		$	3,450			$	536		17.8	%		$	101		2.9	%
Commercial net charge-offs	$	1,232		$	341		$	1,275			$	891		261.3	%		$	(43	)	(3.4	)%
Consumer net charge-offs	$	2,319		$	2,674		$	2,175			$	(355	)	(13.3	)%		$	144		6.6	%

Central Bancompany, Inc. and Subsidiaries
Quarterly Average Consolidated Balance Sheets (unaudited)
	Q3			Q2			Q3				Q vs PQ						Q vs PYQ
	FY26			FY26			FY25				$VAR			%VAR			$VAR			%VAR
	(dollars in thousands)
Average Assets
Cash and due from banks	$	166,391		$	184,908		$	183,429			$	(18,517	)	(10.0	)%		$	(17,038	)	(9.3	)%
Short-term earning assets		667,705			763,811			630,929				(96,106	)	(12.6	)%			36,776		5.8	%
Investment securities		7,023,071			7,033,039			6,087,403				(9,968	)	(0.1	)%			935,668		15.4	%
Loans held for investment		11,673,389			11,581,901			11,345,544				91,488		0.8	%			327,845		2.9	%
Less allowance for credit losses		(150,296	)		(149,888	)		(149,072	)			(408	)	0.3	%			(1,224	)	0.8	%
Net loans		11,523,093			11,432,013			11,196,472				91,080		0.8	%			326,621		2.9	%
Loans held for sale		22,057			25,859			28,884				(3,802	)	(14.7	)%			(6,827	)	(23.6	)%
Land, buildings, and equipment, net		224,511			222,755			215,218				1,756		0.8	%			9,293		4.3	%
Goodwill and intangibles		349,823			350,576			352,996				(753	)	(0.2	)%			(3,173	)	(0.9	)%
Other assets		374,543			320,978			389,106				53,565		16.7	%			(14,563	)	(3.7	)%
Total assets	$	20,351,194		$	20,333,939		$	19,084,437			$	17,255		0.1	%		$	1,266,757		6.6	%
Average Liabilities
Noninterest-bearing demand	$	5,561,447		$	5,502,016		$	5,237,939			$	59,431		1.1	%		$	323,508		6.2	%
Savings and interest-bearing demand		8,294,977			8,278,684			7,788,117				16,293		0.2	%			506,860		6.5	%
Time		1,520,090			1,573,476			1,709,401				(53,386	)	(3.4	)%			(189,311	)	(11.1	)%
Total deposits		15,376,514			15,354,176			14,735,457				22,338		0.1	%			641,057		4.4	%
Federal funds purchased and customer repurchase agreements		944,435			1,006,357			957,951				(61,922	)	(6.2	)%			(13,516	)	(1.4	)%
Total customer funds		16,320,949			16,360,533			15,693,408				(39,584	)	(0.2	)%			627,541		4.0	%
Other liabilities		141,354			125,999			152,491				15,355		12.2	%			(11,137	)	(7.3	)%
Total liabilities		16,462,303			16,486,532			15,845,899				(24,229	)	(0.1	)%			616,404		3.9	%
Average Stockholders' Equity
Common equity		4,131,758			4,044,552			3,393,916				87,206		2.2	%			737,842		21.7	%
Accumulated other comprehensive loss		(104,101	)		(63,886	)		(56,220	)			(40,215	)	62.9	%			(47,881	)	85.2	%
Treasury stock		(138,766	)		(133,259	)		(99,158	)			(5,507	)	4.1	%			(39,608	)	39.9	%
Total stockholders' equity		3,888,891			3,847,407			3,238,538				41,484		1.1	%			650,353		20.1	%
Total liabilities and stockholders' equity	$	20,351,194		$	20,333,939		$	19,084,437			$	17,255		0.1	%		$	1,266,757		6.6	%
Average interest-earning assets	$	19,386,222		$	19,404,610		$	18,092,760			$	(18,388	)	(0.1	)%		$	1,293,462		7.1	%
Average interest-bearing liabilities		10,759,502			10,858,517			10,455,469				(99,015	)	(0.9	)%			304,033		2.9	%
Average interest-free funds		8,626,720			8,546,093			7,637,291				80,627		0.9	%			989,429		13.0	%

Central Bancompany, Inc. and Subsidiaries
Fiscal Year To Date Consolidated Statements of Income (unaudited)
	YTD		YTD				YTD YoY
	FY26		FY25				$VAR			%VAR
	(dollars in thousands, except per common share data)
Interest income:
Loans	$	540,717	$	533,416			$	7,301		1.4	%
Investment securities		217,475		172,675				44,800		25.9	%
Short-term earning assets		27,392		28,572				(1,180	)	(4.1	)%
Total interest income		785,584		734,663				50,921		6.9	%
Interest expense:
Deposits		128,590		132,066				(3,476	)	(2.6	)%
Federal funds purchased and customer repurchase agreements		16,737		19,396				(2,659	)	(13.7	)%
Total interest expense		145,327		151,462				(6,135	)	(4.1	)%
Net interest income		640,257		583,201				57,056		9.8	%
Provision for credit losses		10,719		6,295				4,424		70.3	%
Noninterest income:
Wealth management services		69,099		58,737				10,362		17.6	%
Payment services revenue		52,426		50,507				1,919		3.8	%
Service charges and commissions		44,643		43,077				1,566		3.6	%
Mortgage banking revenues, net		28,976		30,163				(1,187	)	(3.9	)%
Investment securities gains (losses), net		845		(6,811	)			7,656		(112.4	)%
Other income (loss)		5,453		(9,748	)			15,201		(155.9	)%
Total noninterest income		201,442		165,925				35,517		21.4	%
Adjustments:
Investment securities gains (losses), net		845		(6,811	)			7,656		(112.4	)%
(Loss) on sale of consumer lease portfolio		-		(13,612	)			13,612		(100.0	)%
Total adjusted noninterest income 1		200,597		186,348				14,249		7.6	%
Noninterest expenses:
Salaries and employee benefits		236,080		221,281				14,799		6.7	%
Net occupancy and equipment		37,046		36,259				787		2.2	%
Computer software and maintenance		17,159		17,316				(157	)	(0.9	)%
Marketing and business development		14,767		15,194				(427	)	(2.8	)%
Legal and professional fees		16,909		16,480				429		2.6	%
Bankcard processing, rewards and related cost		24,391		23,153				1,238		5.3	%
Other expenses		42,597		46,294				(3,697	)	(8.0	)%
Total noninterest expenses		388,949		375,977				12,972		3.5	%
Income before income taxes		442,031		366,854				75,177		20.5	%
Income taxes		100,929		83,593				17,336		20.7	%
Net income	$	341,102	$	283,261			$	57,841		20.4	%
Adjustments:
Investment securities gains (losses), net of taxes		644		(5,187	)			5,831		(112.4	)%
(Loss) on expected sale of consumer lease portfolio, net of taxes		-		(6,563	)			6,563		(100.0	)%
Adjusted net income 1	$	340,458	$	295,011			$	45,447		15.4	%
End of period shares		239,382		220,665				18,717		8.5	%
Weighted average fully diluted shares		240,004		220,013				19,991		9.1	%
Net income per common share - diluted	$	1.42	$	1.28			$	0.14		10.5	%
Adjusted net income 1 per common share - diluted	$	1.42	$	1.34			$	0.08		5.9	%
Dividends / share	$	0.36	$	0.97			$	(0.61	)	(62.7	)%
1 These are non-GAAP financial measures management believes are helpful to understanding trends in our business that may not be fully apparent based only on the most comparable GAAP financial measures. Further information on these financial measures and reconciliations to the most comparable GAAP financial measures are provided at the end of this release.

Central Bancompany, Inc. and Subsidiaries
Fiscal Year To Date Summary of Financial Results (unaudited)
	YTD			YTD				YTD YoY
	FY26			FY25				$VAR			%VAR
	(dollars in thousands, except per common share data and other information)
Financial Ratios (GAAP)
Net interest margin		4.40	%		4.27	%			0.13	%	3.0	%
Return on average total assets 2		2.24	%		1.97	%			0.26	%	13.2	%
Return on average common equity 2		11.8	%		11.8	%			—	%	0.1	%
Fee income ratio		23.9	%		22.1	%			1.8	%	8.1	%
Efficiency ratio		46.2	%		50.2	%		(4.0		)%	(7.9	)%
Effective tax rate		22.8	%		22.8	%			—	%	0.2	%
Financial Ratios (Non-GAAP) 1
Net interest margin (FTE)2, 3		4.43	%		4.31	%			0.13	%	3.0	%
Adjusted return on average total assets 2		2.23	%		2.06	%			0.17	%	8.5	%
Adjusted return on average common equity 2		11.8	%		12.3	%		(0.5		)%	(4.1	)%
Return on average tangible common equity 2		13.1	%		13.4	%		(0.3		)%	(2.2	)%
Adjusted return on average tangible common equity 2		13.1	%		13.9	%		(0.9		)%	(6.3	)%
Adjusted fee income ratio		23.9	%		24.2	%		(0.4		)%	(1.5	)%
Efficiency ratio (FTE)3		45.7	%		48.3	%		(2.5		)%	(5.2	)%
Net Interest Margin & Yields
Interest-earning cash yield 3		3.87	%		4.65	%		(0.77		)%	(16.7	)%
Investment securities yield 3		4.26	%		3.93	%			0.32	%	8.3	%
Loan yield 3		6.26	%		6.24	%			0.02	%	0.4	%
Cost of deposits		1.12	%		1.19	%		(0.08		)%	(6.5	)%
Cost of funds		1.18	%		1.28	%		(0.10		)%	(7.6	)%
Loan to deposit ratio		76.7	%		76.7	%			—	%	—	%
Interest-free funds ratio		44.0	%		41.7	%			2.3	%	5.5	%
Interest-earning asset yield 3		5.43	%		5.42	%			0.02	%	0.3	%
Cost of total interest-bearing liabilities		1.78	%		1.90	%		(0.12		)%	(6.4	)%
Net interest spread		3.65	%		3.51	%			0.14	%	3.9	%
Benefit of interest-free funds		0.78	%		0.79	%		(0.01		)%	(1.2	)%
Asset Quality
Allowance for credit losses / loans held for investment		1.29	%		1.32	%		(0.03		)%	(2.5	)%
Allowance for credit losses	$	150,888		$	149,459			$	1,429		1.0	%
Allowance for unfunded loan commitments	$	376		$	384			$	(8	)	(2.1	)%
Allowance for investment securities	$	12		$	16			$	(4	)	(25.0	)%
Nonperforming loans / loans held for investment		0.54	%		0.45	%			0.09	%	19.6	%
Nonperforming loans	$	62,901		$	50,774			$	12,127		23.9	%
Nonperforming commercial loans	$	32,755		$	18,265			$	14,490		79.3	%
Nonperforming consumer loans	$	30,146		$	32,509			$	(2,363	)	(7.3	)%
Nonperforming assets / total assets		0.33	%		0.30	%			0.03	%	9.0	%
Nonperforming assets	$	65,987		$	57,416			$	8,571		14.9	%
Net charge-offs / average loans		0.11	%		0.13	%		(0.02		)%	(16.4	)%
Net charge-offs	$	9,476		$	11,219			$	(1,743	)	(15.5	)%
Commercial net charge-offs	$	1,890		$	3,852			$	(1,961	)	(50.9	)%
Consumer net charge-offs	$	7,586		$	7,368			$	218		3.0	%
1 These are non-GAAP financial measures management believes are helpful to understanding trends in our business that may not be fully apparent based only on the most comparable GAAP financial measures. Further information on these financial measures and reconciliations to the most comparable GAAP financial measures are provided at the end of this release.
2 Annualized for all partial-year periods.
3 Fully-tax equivalent basis.

Central Bancompany, Inc. and Subsidiaries
Fiscal Year To Date Average Consolidated Balance Sheets (unaudited)
	YTD			YTD				YTD YoY
	FY26			FY25				$VAR			%VAR
	(dollars in thousands)
Average Assets
Cash and due from banks	$	178,741		$	190,534			$	(11,793	)	(6.2	)%
Short-term earning assets		984,373			855,455				128,918		15.1	%
Investment securities		6,875,176			5,912,042				963,134		16.3	%
Loans held for investment		11,575,686			11,455,571				120,115		1.0	%
Less allowance for credit losses		(149,913	)		(151,866	)			1,953		(1.3	)%
Net loans		11,425,773			11,303,705				122,068		1.1	%
Loans held for sale		23,396			25,208				(1,812	)	(7.2	)%
Land, buildings, and equipment, net		221,657			215,476				6,181		2.9	%
Goodwill and intangibles		350,587			353,798				(3,211	)	(0.9	)%
Other assets		339,245			320,440				18,805		5.9	%
Total assets	$	20,398,948		$	19,176,658			$	1,222,290		6.4	%
Average Liabilities
Noninterest-bearing demand	$	5,525,577		$	5,179,927			$	345,650		6.7	%
Savings and interest-bearing demand		8,318,101			7,925,388				392,713		5.0	%
Time		1,574,523			1,696,202				(121,679	)	(7.2	)%
Total deposits		15,418,201			14,801,517				616,684		4.2	%
Federal funds purchased and customer repurchase agreements		1,007,351			1,017,139				(9,788	)	(1.0	)%
Total customer funds		16,425,552			15,818,656				606,896		3.8	%
Other liabilities		117,885			153,088				(35,203	)	(23.0	)%
Total liabilities		16,543,437			15,971,744				571,693		3.6	%
Average Stockholders' Equity
Common equity		4,045,313			3,393,949				651,364		19.2	%
Accumulated other comprehensive loss		(64,572	)		(89,886	)			25,314		(28.2	)%
Treasury stock		(125,230	)		(99,149	)			(26,081	)	26.3	%
Total stockholders' equity		3,855,511			3,204,914				650,597		20.3	%
Total liabilities and stockholders' equity	$	20,398,948		$	19,176,658			$	1,222,290		6.4	%
Average interest-earning assets	$	19,458,631		$	18,248,276			$	1,210,355		6.6	%
Average interest-bearing liabilities		10,899,975			10,638,729				261,246		2.5	%
Average interest-free funds		8,558,656			7,609,547				949,109		12.5	%

Non-GAAP Financial Measures Reconciliations

In this release, we provide information about certain non-GAAP financial measures. This information supplements the results that are reported according to generally accepted accounting principles in the United States (GAAP) and should not be viewed in isolation from, or as a substitute for, GAAP results. We are presenting these non-GAAP financial measures because we believe, when taken collectively, they may be helpful to investors because they provide consistency and comparability with past financial performance by excluding certain items that may not be indicative of our business, results of operations or outlook. The non-GAAP measures as defined by the Company may not be comparable to similar non-GAAP measures presented by other companies.

We disclose net interest income and related ratios and analysis on a fully taxable-equivalent (“FTE”) basis, which may be considered non-GAAP financial measures. We believe this presentation to be the preferred industry measurement of net interest income as it provides a relevant comparison of net interest income arising from taxable and tax-exempt sources. In addition, certain performance measures, including the efficiency ratio and net interest margin utilize net interest income on a taxable-equivalent basis.

We evaluate our profitability and performance based on adjusted net income, adjusted total revenue, adjusted noninterest income, adjusted fee income, adjusted fee income ratio and adjusted return on average total assets. We adjust each of these measures to exclude the loss on the expected sale of the consumer loan portfolio in one of our markets and adjustments that resulted from certain investment portfolio repositioning activities during the periods presented that we consider to be outside of the ordinary course of business. We believe this allows investors to assess our net income, total revenue and noninterest income exclusive of the impact of changes outside the ordinary course of business. Similarly, we evaluate our operational efficiency based on tangible noninterest expense and our adjusted efficiency ratio, which excludes the effect of amortization of intangibles (a non-cash expense item) as well as the exclusions mentioned previously in this paragraph, and includes the tax benefit associated with our tax-advantaged loans.

We evaluate our financial condition based on the ratios of our tangible common equity to our tangible assets, tangible book value per share, core tangible book value per share, return and adjusted return on average common equity, and return and adjusted return on average tangible common equity. Our calculation of these ratios allows readers to assess our stockholders’ equity, exclusive of the effect of our goodwill and other intangible assets.

Reconciliations for each of these non-GAAP financial measures to the closest GAAP financial measures are included in the tables below. Each of the non-GAAP financial measures presented should be considered in context with our GAAP financial results included in this release.

Central Bancompany, Inc. and Subsidiaries
Quarterly Reconciliation of non-GAAP Measures (unaudited)
		Q3			Q2			Q3				Q vs PQ					Q vs PYQ
		FY26			FY26			FY25				$VAR			%VAR		$VAR			%VAR
		(dollars in thousands, except share and per share data)
Interest income (FTE), net interest income (FTE) and net interest margin (FTE)
Interest income		$	267,106		$	260,424		$	248,775			$	6,682		2.6	%	$	18,331		7.4	%
Add: Tax-equivalent adjustment ¹			1,619			1,580			1,436				39		2.5	%		183		12.7	%
Interest income (FTE) (non-GAAP)		$	268,725		$	262,004		$	250,211			$	6,721		2.6	%	$	18,514		7.4	%
Net interest income	{a}	$	218,856		$	212,784		$	198,872			$	6,072		2.9	%	$	19,984		10.0	%
Add: Tax-equivalent adjustment ¹			1,619			1,580			1,436				39		2.5	%		183		12.7	%
Net interest income (FTE) (non-GAAP)	{b}	$	220,475		$	214,364		$	200,308			$	6,111		2.9	%	$	20,167		10.1	%
Average interest-earning assets	{c}	$	19,386,222		$	19,404,610		$	18,092,760			$	(18,388	)	(0.1	)%	$	1,293,462		7.1	%
Net interest margin ²	{a ÷ c}		4.48	%		4.40	%		4.36	%			0.08	%	1.8	%		0.12	%	2.7	%
Net interest margin (FTE) (non-GAAP) ²	{b ÷ c}		4.51	%		4.43	%		4.39	%			0.08	%	1.8	%		0.12	%	2.7	%
¹ Effective marginal tax rate of 23.84% used for all periods.
² Ratios for the quarters are presented on an annualized basis.
Adjusted noninterest income, adjusted total revenue and adjusted fee income ratio
Noninterest income	{a}	$	66,800		$	69,555		$	57,070			$	(2,755	)	(4.0	)%	$	9,730		17.0	%
Less: Investment securities (losses) gains, net			229			616			(6,920	)			(387	)	(62.8	)%		7,149		(103.3	)%
Adjusted noninterest income (non-GAAP)	{b}	$	66,571		$	68,939		$	63,990				(2,368	)	(3.4	)%		2,581		4.0	%
Net interest income		$	218,856		$	212,784		$	198,872				6,072		2.9	%		19,984		10.0	%
Noninterest income			66,800			69,555			57,070				(2,755	)	(4.0	)%		9,730		17.0	%
Total revenue	{c}		285,656			282,339			255,942				3,317		1.2	%		29,714		11.6	%
Less: Investment securities (losses) gains, net			229			616			(6,920	)			(387	)	(62.8	)%		7,149		(103.3	)%
Adjusted total revenue (non-GAAP)	{d}	$	285,427		$	281,723		$	262,862			$	3,704		1.3	%	$	22,565		8.6	%
Fee income ratio	{a ÷ c}		23.4	%		24.6	%		22.3	%		(1.3		)%	(5.1	)%		1.1	%	4.9	%
Adjusted fee income ratio (non-GAAP)	{b ÷ d}		23.3	%		24.5	%		24.3	%		(1.1		)%	(4.7	)%	(1.0		)%	(4.2	)%
Tangible noninterest expense, adjusted total revenue (FTE) and efficiency ratio (FTE)
Net interest income		$	218,856		$	212,784		$	198,872			$	6,072		2.9	%	$	19,984		10.0	%
Noninterest income			66,800			69,555			57,070				(2,755	)	(4.0	)%		9,730		17.0	%
Total revenue	{a}		285,656			282,339			255,942				3,317		1.2	%		29,714		11.6	%
Less: Investment securities (losses) gains, net			229			616			(6,920	)			(387	)	(62.8	)%		7,149		—	%
Add: Tax equivalent adjustment ¹			1,619			1,580			1,436				39		2.5	%		183		12.7	%
Adjusted total revenue (FTE) (non-GAAP)	{b}	$	287,046		$	283,303		$	264,298			$	3,743		1.3	%	$	22,748		8.6	%
Noninterest expense	{c}	$	130,979		$	131,354		$	126,945			$	(375	)	(0.3	)%	$	4,034		3.2	%
Less: Amortization of intangible assets			559			804			807				(245	)	(30.5	)%		(248	)	(30.7	)%
Tangible noninterest expense (non-GAAP)	{d}	$	130,420		$	130,550		$	126,138			$	(130	)	(0.1	)%	$	4,282		3.4	%
Efficiency ratio	{c ÷ a}		45.9	%		46.5	%		49.6	%		(0.7		)%	(1.4	)%	(3.7		)%	(7.6	)%
Efficiency ratio (FTE) (non-GAAP)	{d ÷ b}		45.4	%		46.1	%		47.7	%		(0.6		)%	(1.4	)%	(2.3		)%	(4.8	)%
Adjusted net income and adjusted return on average total assets
Net income	{a}	$	116,242		$	113,773		$	97,098			$	2,470		2.2	%	$	19,144		19.7	%
Add: Investment securities (losses) gains, net of taxes ¹			(175	)		(469	)		5,270				294		(62.7	)%		(5,445	)	(103.3	)%
Adjusted net income (non-GAAP)	{b}	$	116,067		$	113,304		$	102,368			$	2,764		2.4	%	$	13,699		13.4	%
Average total assets	{c}	$	20,351,194		$	20,333,939		$	19,084,437			$	17,255		0.1	%	$	1,266,757		6.6	%
Return on average total assets 2	{a ÷ c}		2.27	%		2.24	%		2.02	%			0.02	%	1.0	%		0.25	%	12.3	%
Adjusted return on average total assets (non-GAAP) 2	{b ÷ c}		2.26	%		2.23	%		2.13	%			0.03	%	1.2	%		0.13	%	6.3	%
¹ Effective marginal tax rate of 23.84% used for all periods.
2 Ratios for the quarters are presented on an annualized basis.
Tangible common equity, tangible book value per share and tangible common equity to tangible assets
Total stockholders' equity	{a}	$	3,838,726		$	3,865,761		$	3,284,414			$	(27,035	)	(0.7	)%	$	554,312		16.9	%
Less: Goodwill and other intangible assets			349,495			350,055			352,470				(560	)	(0.2	)%		(2,975	)	(0.8	)%
Tangible common equity (non-GAAP)	{b}	$	3,489,231		$	3,515,706		$	2,931,944			$	(26,475	)	(0.8	)%	$	557,287		19.0	%
Total shares of Class A common stock outstanding	{c}		239,382			239,505			220,665				(123	)	(0.1	)%		18,717		8.5	%
Book value per share	{a ÷ c}	$	16.04		$	16.14		$	14.88			$	(0.10	)	(0.6	)%	$	1.15		7.7	%
Tangible book value per share (non-GAAP)	{b ÷ c}	$	14.58		$	14.68		$	13.29			$	(0.10	)	(0.7	)%	$	1.29		9.7	%
Total assets	{d}	$	20,225,657		$	20,294,827		$	19,183,605			$	(69,170	)	(0.3	)%	$	1,042,052		5.4	%
Less: Goodwill and other intangible assets			349,495			350,055			352,470				(560	)	(0.2	)%		(2,975	)	(0.8	)%
Tangible assets (non-GAAP)	{e}	$	19,876,162		$	19,944,772		$	18,831,135			$	(68,610	)	(0.3	)%	$	1,045,027		5.5	%
Total stockholders' equity to total assets	{a ÷ d}		19.0	%		19.0	%		17.1	%		(0.1		)%	(0.4	)%		1.9	%	10.9	%
Tangible common equity to tangible assets (non-GAAP)	{b ÷ e}		17.6	%		17.6	%		15.6	%		(0.1		)%	(0.4	)%		2.0	%	12.8	%
Tangible net income, adjusted tangible net income, average tangible common equity, adjusted return on average common equity, return on average tangible common equity and adjusted return on average tangible common equity
Net income	{a}	$	116,242		$	113,773		$	97,098			$	2,470		2.2	%	$	19,144		19.7	%
Add: Amortization of intangible assets, net of taxes ¹			426			612			615				(187	)	(30.5	)%		(189	)	(30.7	)%
Tangible net income (non-GAAP)			116,668			114,385			97,713				2,283		2.0	%		18,955		19.4	%
Add: Investment securities (losses) gains, net of taxes ¹			(175	)		(469	)		5,270				294		(62.7	)%		(5,445	)	(103.3	)%
Adjusted tangible net income (non-GAAP)	{b}	$	116,493		$	113,916		$	102,983			$	2,577		2.3	%	$	13,510		13.1	%
Average common equity	{c}	$	3,888,891		$	3,847,407		$	3,238,538			$	41,484		1.1	%	$	650,353		20.1	%
Less: Average goodwill and other intangible assets			349,823			350,576			352,996				(753	)	(0.2	)%		(3,173	)	(0.9	)%
Average tangible common equity (non-GAAP)	{d}	$	3,539,068		$	3,496,831		$	2,885,542			$	42,237		1.2	%	$	653,526		22.6	%
Return on average common equity 2	{a ÷ c}		11.9	%		11.9	%		11.9	%			—	%	—	%		—	%	(0.3	)%
Adjusted return on average common equity (non-GAAP) 2	{b ÷ c}		11.8	%		11.8	%		12.5	%			—	%	0.2	%	(0.7		)%	(5.6	)%
Return on average tangible common equity (non-GAAP) 2	{a ÷ d}		13.1	%		13.1	%		13.4	%			—	%	(0.3	)%	(0.4		)%	(2.6	)%
Adjusted return on average tangible common equity (non-GAAP) 2	{b ÷ d}		13.1	%		13.1	%		14.2	%			—	%	(0.1	)%	(1.1		)%	(7.8	)%
¹ Effective marginal tax rate of 23.84% used for all periods.
2 Ratios for the quarters are presented on an annualized basis.

Excess tangible common equity, excess tangible book value per share and core tangible book value per share
		Q3			Q2			Q1			Q4			Q3
		FY26			FY26			FY26			FY25			FY25
		(dollars in thousands, except share and per share data)
Total stockholders' equity	{a}	$	3,838,726		$	3,865,761		$	3,798,326		$	3,783,977		$	3,284,414
Less: Goodwill and other intangible assets			349,495			350,055			350,859			351,664			352,470
Tangible common equity (non-GAAP)	{b}	$	3,489,231		$	3,515,706		$	3,447,467		$	3,432,313		$	2,931,944
Total shares of Class A common stock outstanding	{c}		239,382			239,505			239,787			241,106			220,665
Book value per share	{a ÷ c}	$	16.04		$	16.14		$	15.84		$	15.69		$	14.88
Tangible book value per share (non-GAAP)	{b ÷ c}	$	14.58		$	14.68		$	14.38		$	14.24		$	13.29
Target common equity tier 1 ratio	{d}		13.5	%		13.5	%		13.5	%		13.5	%		13.5	%
Risk-weighted assets	{e}	$	12,736,855		$	12,632,810		$	12,369,850		$	12,403,247		$	12,211,732
Target common equity tier 1 capital (non-GAAP)	{f} = {d * e}	$	1,719,475		$	1,705,429		$	1,669,930		$	1,674,438		$	1,648,584
Actual common equity tier 1 capital	{h}	$	3,701,132		$	3,615,670		$	3,535,765		$	3,483,247		$	3,004,815
Excess common equity tier 1 capital (non-GAAP)	{i} = {h - f}	$	1,981,657		$	1,910,241		$	1,865,835		$	1,808,809		$	1,356,231
Excess tangible book value per share (non-GAAP)	{i ÷ c}	$	8.28		$	7.98		$	7.78		$	7.50		$	6.15
Tangible book value per share (non-GAAP)	{b ÷ c}	$	14.58		$	14.68		$	14.38		$	14.24		$	13.29
Less: Excess tangible book value per share (non-GAAP)	{i ÷ c}	$	8.28		$	7.98		$	7.78		$	7.50		$	6.15
Core tangible book value per share (non-GAAP)		$	6.30		$	6.70		$	6.60		$	6.73		$	7.14

Central Bancompany, Inc. and Subsidiaries
Fiscal Year To Date Reconciliation of non-GAAP Measures (unaudited)
		YTD			YTD				YTD YoY
		FY26			FY25				$VAR			%VAR
		(dollars in thousands, except share and per share data)
Interest income (FTE), net interest income (FTE) and net interest margin (FTE)
Interest income		$	785,584		$	734,663			$	50,921		6.9	%
Add: Tax-equivalent adjustment ¹			5,002			4,560				442		9.7	%
Interest income (FTE) (non-GAAP)		$	790,586		$	739,223			$	51,363		6.9	%
Net interest income	{a}	$	640,257		$	583,201			$	57,056		9.8	%
Add: Tax-equivalent adjustment ¹			5,002			4,560				442		9.7	%
Net interest income (FTE) (non-GAAP)	{b}	$	645,259		$	587,761			$	57,498		9.8	%
Average interest-earning assets	{c}	$	19,458,631		$	18,248,276			$	1,210,355		6.6	%
Net interest margin ²	{a ÷ c}		4.40	%		4.27	%			0.13	%	3.0	%
Net interest margin (FTE) (non-GAAP) ²	{b ÷ c}		4.43	%		4.31	%			0.13	%	3.0	%
Adjusted noninterest income, adjusted total revenue and adjusted fee income ratio
Noninterest income	{a}	$	201,442		$	165,925			$	35,517		21.4	%
Less: Loss on sale of consumer lease portfolio			—			(13,612	)			13,612		(100.0	)%
Less: Investment securities (losses), net			845			(6,811	)			7,656		(112.4	)%
Adjusted noninterest income (non-GAAP)	{b}	$	200,597		$	186,348				14,249		7.6	%
Net interest income		$	640,257		$	583,201				57,056		9.8	%
Noninterest income			201,442			165,925				35,517		21.4	%
Total revenue	{c}		841,699			749,126				92,573		12.4	%
Less: Loss on sale of consumer lease portfolio			—			(13,612	)			13,612		(100.0	)%
Less: Investment securities (losses), net			845			(6,811	)			7,656		(112.4	)%
Adjusted total revenue (non-GAAP)	{d}	$	840,854		$	769,549			$	71,305		9.3	%
Fee income ratio	{a ÷ c}		23.9	%		22.1	%			1.8	%	8.1	%
Adjusted fee income ratio (non-GAAP)	{b ÷ d}		23.9	%		24.2	%		(0.4		)%	(1.5	)%
Tangible noninterest expense, adjusted total revenue (FTE) and efficiency ratio (FTE)
Net interest income		$	640,257		$	583,201			$	57,056		9.8	%
Noninterest income			201,442			165,925				35,517		21.4	%
Total revenue	{a}		841,699			749,126				92,573		12.4	%
Less: Loss on sale of consumer lease portfolio			—			(13,612	)			13,612		(100.0	)%
Less: Investment securities (losses), net			845			(6,811	)			7,656		(112.4	)%
Add: Tax equivalent adjustment ¹			5,002			4,560				442		9.7	%
Adjusted total revenue (FTE) (non-GAAP)	{b}	$	845,856		$	774,109			$	71,747		9.3	%
Noninterest expense	{c}	$	388,949		$	375,977			$	12,972		3.5	%
Less: Amortization of intangible assets			2,168			2,420				(252	)	(10.4	)%
Tangible noninterest expense (non-GAAP)	{d}	$	386,781		$	373,557			$	13,224		3.5	%
Efficiency ratio	{c ÷ a}		46.2	%		50.2	%		(4.0		)%	(7.9	)%
Efficiency ratio (FTE) (non-GAAP)	{d ÷ b}		45.7	%		48.3	%		(2.5		)%	(5.2	)%
Adjusted net income and adjusted return on average total assets
Net income	{a}	$	341,102		$	283,261			$	57,841		20.4	%
Add: Loss on sale of consumer lease portfolio, net of provision and taxes 1, 3			—			6,563				(6,563	)	(100.0	)%
Add: Investment securities (losses), net of taxes ¹			(644	)		5,187				(5,831	)	(112.4	)%
Adjusted net income (non-GAAP)	{b}	$	340,458		$	295,011			$	45,447		15.4	%
Average total assets	{c}	$	20,398,948		$	19,176,658			$	1,222,290		6.4	%
Return on average total assets 2	{a ÷ c}		2.24	%		1.97	%			0.26	%	13.2	%
Adjusted return on average total assets (non-GAAP) 2	{b ÷ c}		2.23	%		2.06	%			0.17	%	8.5	%
¹ Effective marginal tax rate of 23.84% used for all periods.
2 Ratios for the year-to-date are presented on an annualized basis.
3 The second quarter of FY25 includes a $13.6 million loss on the expected sale of the consumer lease portfolio recognized in other noninterest income and a $5.0 million release of provision, which resulted in a net pre-tax loss of $8.6 million. Net of taxes, at a tax rate of 23.84%, the total impact to net income was $6.6 million.
Tangible net income, adjusted tangible net income, average tangible common equity, adjusted return on average common equity, return on average tangible common equity and adjusted return on average tangible common equity
Net income	{a}	$	341,102		$	283,261			$	57,841		20.4	%
Add: Amortization of intangible assets, net of taxes ¹			1,651			1,843				(192	)	(10.4	)%
Tangible net income (non-GAAP)			342,753			285,104				57,649		20.2	%
Add: Loss on sale of consumer lease portfolio, net of provision and taxes 1, 3			—			6,563				(6,563	)	(100.0	)%
Add: Investment securities (losses), net of taxes ¹			(644	)		5,187				(5,831	)	(112.4	)%
Adjusted tangible net income (non-GAAP)	{b}	$	342,109		$	296,854			$	45,255		15.2	%
Average common equity	{c}	$	3,855,511		$	3,204,914			$	650,597		20.3	%
Less: Average goodwill and other intangible assets			350,587			353,798				(3,211	)	(0.9	)%
Average tangible common equity (non-GAAP)	{d}	$	3,504,924		$	2,851,116			$	653,808		22.9	%
Return on average common equity 2	{a ÷ c}		11.8	%		11.8	%			—	%	0.1	%
Adjusted return on average common equity (non-GAAP) 2	{b ÷ c}		11.8	%		12.3	%		(0.5		)%	(4.1	)%
Return on average tangible common equity (non-GAAP) 2	{a ÷ d}		13.1	%		13.4	%		(0.3		)%	(2.2	)%
Adjusted return on average tangible common equity (non-GAAP) 2	{b ÷ d}		13.1	%		13.9	%		(0.9		)%	(6.3	)%
¹ Effective marginal tax rate of 23.84% used for all periods.
2 Ratios for the year-to-date are presented on an annualized basis.
3 The second quarter of FY25 includes a $13.6 million loss on the expected sale of the consumer lease portfolio recognized in other noninterest income and a $5.0 million release of provision, which resulted in a net pre-tax loss of $8.6 million. Net of taxes, at a tax rate of 23.84%, the total impact to net income was $6.6 million.