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%.

• Recognized by Forbes and S&P Global as a top-performing U.S. bank; tangible book value per share rose to $14.38, up 9.8% year-over-year.

• Increased quarterly dividend by 118% to $0.12 per share and repurchased $32 million in shares.

• Maintained strong asset quality with 10 basis points of net charge-offs and allowance covering 130 basis points of total loans.

Financial highlights

• Net interest income grew 10.2% year-over-year to $208.6 million; FTE NIM was 4.36%, and efficiency ratio improved to 45.7%.

• Noninterest income rose 10.7% year-over-year to $65.1 million, with fee income ratio at 23.8%.

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

• Deposit costs declined 5 basis points sequentially, while loan yields decreased 3 basis points.

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

Outlook and guidance

• $1.8 billion in loans expected to reprice in the remainder of 2026, potentially benefiting NIM.

• Payments revenue and commercial/consumer segment growth expected to ramp up over the year.

• Management expects regulatory capital changes to be a small benefit and continues to focus on deploying excess capital for acquisitions and shareholder returns.

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