Revenue: As of FY2026 Q2, the actual value is USD 282.34 M.

EPS: As of FY2026 Q2, the actual value is USD 0.47, meeting the estimate of USD 0.47.

EBIT: As of FY2026 Q2, the actual value is USD 147.45 M.

Dividend Declaration

Central Bancompany, Inc.’s Board of Directors declared a cash dividend of $0.12 per common share on August 3, 2026, payable on September 1, 2026, to stockholders of record as of August 21, 2026.

Stock Repurchase Plan

On August 3, 2026, Central Bancompany, Inc.’s Board of Directors approved a new “Second Repurchase Plan” authorizing the repurchase of up to $100 million of the Company’s Class A common stock, while concurrently rescinding the prior “2026 Repurchase Plan”. The company repurchased approximately 280,000 shares for $7.6 million during the second quarter of 2026 at an average price of $27.13.

Net Income

Net income for the second quarter of 2026 was $113.8 million, a 2.4% increase from $111.1 million in the prior quarter and a 24.5% increase from $91.4 million in the prior year quarter. Adjusted net income was $113.3 million, up 2.0% quarter-over-quarter and 15.7% year-over-year.

Net Interest Income and Net Interest Margin

Net interest income for the second quarter of 2026 was $212.8 million, increasing 2.0% quarter-over-quarter from $208.6 million and 9.1% year-over-year from $195.1 million. The net interest margin (NIM) was 4.40%, an increase of 0.08% from 4.32% in the prior quarter and 0.13% from 4.26% in the prior year quarter. The FTE NIM was 4.43%, reflecting a 13 basis points year-over-year increase. Loan yield increased 1 basis point year-over-year to 6.24%, while the cost of deposits decreased 9 basis points year-over-year to 1.10%. The company repositioned approximately $210 million of securities with a book yield of about 2.0% into approximately $202 million of securities with a book yield of approximately 4.5%.

Noninterest Income

Total noninterest income was $69.6 million for the second quarter of 2026, an increase of 6.9% from $65.1 million in the prior quarter and a 38.9% increase from $50.1 million in the prior year quarter. Adjusted noninterest income was $68.9 million, up 5.9% quarter-over-quarter and 8.3% year-over-year.

Wealth Management Services

Revenue from wealth management services was $23.2 million, up 4.5% from $22.2 million in the prior quarter and 20.3% from $19.3 million in the prior year quarter, driven by a 21.3% year-over-year rise in assets under advice (AUA) to $17.3 billion.

Payment Services Revenue

Payment services revenue was $18.3 million, an 11.5% increase from $16.4 million in the prior quarter and a 4.8% increase from $17.4 million in the prior year quarter.

Service Charges and Commissions

Service charges and commissions totaled $14.8 million, up 2.6% from $14.4 million in the prior quarter and 4.3% from $14.2 million in the prior year quarter.

Mortgage Banking Revenues, Net

Mortgage banking revenues, net, were $10.6 million, an 11.3% increase from $9.5 million in the prior quarter, but a -4.7% decrease from $11.1 million in the prior year quarter.

Investment Securities Gains, Net

The company recognized $0.6 million in investment securities gains, net, for the second quarter of 2026.

Other Income (Loss)

Other income was $2.0 million, a -19.2% decrease from $2.5 million in the prior quarter, but a 117.0% increase from - $12.0 million in the prior year quarter.

Noninterest Expenses

Total noninterest expenses were $131.4 million for the second quarter of 2026, a 3.7% increase from $126.6 million in the prior quarter and a 3.6% increase from $126.8 million in the prior year quarter.

Salaries and Employee Benefits

Salaries and employee benefits increased by 5.3% to $80.0 million from $76.0 million in the prior quarter and by 7.1% from $74.7 million in the prior year quarter, due to merit increases, higher compensation costs, and a $1.0 million expense for deferred compensation plans.

Net Occupancy and Equipment Expense

Net occupancy and equipment expense increased by $0.7 million year-over-year, reflecting costs from four new full-service locations.

Other Expenses

Other expenses decreased by $1.8 million year-over-year, as the prior year quarter included $1.9 million in residual value losses from the consumer lease portfolio.

Provision for Credit Losses

The provision for credit losses was $3.5 million for the second quarter of 2026, an increase of 12.4% from $3.1 million in the prior quarter. The allowance for credit losses (ACL) ended the quarter at $150.4 million, representing 1.29% of loans held for investment.

Operational Metrics

• Average Total Loans Held for Investment: Averaged $11.6 billion, a 1% increase from the prior quarter and a 1.1% increase from the prior year quarter.
• End of Period (EOP) Loans Held for Investment: Reached $11.7 billion, an increase of 1.2% quarter-over-quarter and 3.1% year-over-year.
• Commercial Loans: Totaled $7,215 million, growing 1.6% quarter-over-quarter and 2.5% year-over-year.
• Consumer Loans: Amounted to $4,469 million, an increase of 0.7% quarter-over-quarter and 4.0% year-over-year, with growth in residential mortgage loans (8.7% year-over-year), home equity lines of credit (16.7% year-over-year), and consumer credit cards (9.5% year-over-year).
• Average Total Deposits: Averaged $15.4 billion, a -1.1% decrease from the prior quarter and a 3.0% increase from the prior year quarter.
• End of Period (EOP) Deposits: Were $15.4 billion, a decrease of -0.6% quarter-over-quarter but an increase of 4.0% year-over-year.
• Average Noninterest-Bearing Deposits: Grew 5.3% year-over-year.
• Cost of Total Deposits: Was 1.10%, a decrease of 3 basis points quarter-over-quarter and 9 basis points year-over-year.
• Non-Time Deposits: Represented 90% of EOP total deposits.
• Uninsured and Uncollateralized Deposits: (Excluding intercompany accounts) constituted 21.1% of EOP total deposits.
• Return on Average Assets (ROAA): Was 2.24%, an increase from 2.20% in the prior quarter and 1.90% in the prior year quarter.
• Earnings Before Income Taxes: Reached $147.5 million, an increase of 2.4% quarter-over-quarter and 24.6% year-over-year.
• Efficiency Ratio (FTE): Was 46.1%, compared to 45.7% in the prior quarter and 48.4% in the prior year quarter.
• Assets Under Advice: Increased to $17.3 billion, up from $16.0 billion in the prior quarter and $14.2 billion in the prior year quarter.
• Nonperforming Assets (NPAs): At June 30, 2026, were $60.2 million, or 0.30% of total assets. Total NPAs were $60.1 million.
• Net Charge-offs (NCOs): Were $3.0 million for the quarter, or 0.10% (annualized) of average total loans. NCOs to Average Loans was 0.10%.
• Delinquent Loans to Loans HFI: Was 0.22%, with total delinquent loans at $25.3 million.
• Capital Ratios: The CET1 ratio was 28.6% at June 30, 2026, and the Bank’s CET1 ratio was 12.7%.
• Total Excess Capital: Was $1.9 billion, or $7.98 per share.
• Tangible Book Value (TBV) Per Share: Was $14.68, up 2.1% quarter-over-quarter and 14.9% year-over-year.
• Book Value Per Share: Was $16.14 at June 30, 2026.
• Total Assets: Were approximately $20.3 billion as of June 30, 2026.
• Number of Full Service Offices: Central Bancompany, Inc. operated 159 full-service offices, an increase of 3 from the prior quarter and 4 from the prior year quarter.

Outlook / Guidance

Central Bancompany, Inc. expects proposed regulatory capital changes to be a small benefit due to its historical credit track record and level of residential mortgage loans. The company is exploring attractive ROIC acquisitions to drive net income and ROTCE higher, and it increased its regular quarterly dividend by 118% in early 2026 to a mid-20s payout ratio. The share repurchase program is designed to leverage increased secondary liquidity from pre-IPO non-affiliated shares and attractive prices, though repurchases are discretionary and not assured.