Revenue: As of FY2026 Q1, the actual value is USD 273.71 M.

EPS: As of FY2026 Q1, the actual value is USD 0.46.

EBIT: As of FY2026 Q1, the actual value is USD -64.67 M.

Net Income

Central Bancompany, Inc. reported GAAP net income of $111.1 million for the first quarter of 2026, an increase from $107.6 million in the prior quarter and $94.8 million in the prior year quarter. Net income grew by $16.3 million, or 17%, from the first quarter of 2025. Adjusted net income for the first quarter of 2026 was $111.088 million, up from $107.591 million in the prior quarter and $94.715 million in the prior year quarter, reflecting a 17.3% increase year-over-year.

Net Interest Income and Margin

Net interest income for the first quarter of 2026 was $208.6 million, an increase of $19.3 million or 10.2% from the first quarter of 2025. The GAAP net interest margin (NIM) was 4.32% for the first quarter of 2026, down from 4.38% in the prior quarter but up from 4.19% in the prior year quarter. On an FTE basis, the net interest margin was 4.36%. Average earning assets totaled $19.6 billion, an increase of $1.3 billion or 7% from the first quarter of 2025.

Noninterest Income

Total noninterest income was $65.1 million for the first quarter of 2026, marking an increase of $6.3 million or 10.7% from the prior year quarter. This included a $1.7 million gain from the final liquidation of the consumer lease portfolio. Key noninterest income categories included service charges and commissions at $14.413 million, payment services revenue at $16.370 million, brokerage services at $7.936 million, fees for fiduciary services at $14.307 million, and mortgage banking revenues, net, at $9.536 million.

Noninterest Expense

Total noninterest expense was $126.6 million for the first quarter of 2026, an increase of $4.4 million or 3.6% from the first quarter of 2025. Salaries and employee benefits increased by $4.8 million or 6.7% to $76.039 million, primarily due to higher performance-based compensation and regular merit increases. Legal and professional fees rose $1.2 million or 24.3% to $6.065 million. Other expenses decreased by $2.2 million or -13.5% to $14.060 million. Tangible noninterest expense was $125.812 million.

Operational Ratios

The Return on Average Assets (ROAA) was 2.20% for the first quarter of 2026, up from 2.17% in the prior quarter and 2.00% in the prior year quarter. The efficiency ratio was 46.3%, improving from 47.6% in the prior quarter and 49.3% in the prior year quarter. The efficiency ratio (FTE) improved to 45.7% from 47.0% in the prior quarter and 48.7% in the prior year quarter. The effective tax rate was 22.8%, consistent with the full-year 2025 rate.

Loan and Deposit Metrics

Average total loans held for investment were $11.5 billion for the first quarter of 2026, representing a quarterly increase of $0.1 billion or 1.2% growth from the prior quarter. Excluding other consumer loans, average total loans held for investment increased $0.4 billion or 3% from the prior year quarter. Total loans ended the quarter at $11.5 billion. Average total deposits were $15.5 billion, an increase of $0.8 billion or 5.2% from the prior year quarter. Noninterest-bearing deposits rose $0.4 billion or 9% from the prior year quarter, and commercial deposits were up 9% over the prior year quarter.

Capital and Shareholder Returns

Central Bancompany, Inc. repurchased over 1.3 million shares at an average price of $24.03, totaling $32 million in share repurchases during the quarter. The ordinary quarterly dividend was increased by 118% to $0.12 per share. The CET1 ratio was 28.6% at March 31, 2026. Book value per share was $15.84 and tangible book value per share was $14.38.

Asset Quality

The provision for credit losses was $3.1 million for the first quarter of 2026, an increase of 4.3% from the prior quarter. Net charge-offs were $2.9 million for the quarter, or 0.10% (annualized) of average total loans. The allowance for credit losses ended the quarter at $149.9 million, representing 1.30% of loans held for investment. Nonperforming loans at March 31, 2026, were $52.1 million, or 45 basis points of loans held for investment, up from 43 basis points at the end of the prior year quarter.

Outlook / Guidance

The provided report does not contain explicit forward-looking statements or guidance regarding future financial performance or operational targets for Central Bancompany, Inc.