Central Bancompany, Inc. · NASDAQ:CBC
Central Bancompany — Q3 2026 Earnings Presentation
26 slides from Central Bancompany's earnings presentation, Oct 27, 2026
Slide 1: 3rd Quarter 2026 Financial Review
3rd Quarter 2026 Financial Review CENTRAL BANCOMPANY October | 2026 Exhibit 99.2
Slide 2: Legal Disclaimer
Legal Disclaimer This presentation 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 subje
Slide 3: 3Q26 Financial Highlights
3Q26 Financial Highlights Net Income of $116.2 million EPS of $0.48 ROAA of 2.27% CET1 ratio of 29.1% Excess capital1 of $8.28 per share NIM of 4.48% Fee income ratio of 23.4% Efficiency ratio of 45.9% Income Statement Balance Sheet Capital 3 Notes: 1. Excess capital measured as the amount of capita
Slide 4: Income Statement Highlights
Highlights: ■ Net Income of $116.2MM, an increase of 19.7% or 13.4% on an adjusted basis from the prior year quarter. ■ Net interest income increased $20.0MM or 10.0% from the prior year quarter. Please see slide 5 for further information. ■ Noninterest income increased $9.7MM or 17.0% compared to t
Slide 5: Net Interest Income Highlights
Notes: 1. Non-GAAP number. Please see non-GAAP reconciliation in Appendix 2. Based on standard September 30, 2026 IRR model using September 30, 2026 rates; flows calculated relative to base case scenario; assumes static balance sheet and rates 3. Estimated impact on net interest income from immediat
Slide 6: Noninterest Income Highlights
Highlights: ■ Total noninterest income of $66.8MM for Q3’26, an increase of $9.7MM, or 17.0%, compared to the prior year quarter; adjusted noninterest income of $66.6MM, reflecting 4.0% growth YoY ■ Wealth management fees increased $3.4MM, or 16.7% YoY, supported by growth in assets under advice of
Slide 7: Noninterest Expense Highlights
Highlights: ■ Total noninterest expense of $131.0MM for Q3’26, a decrease of $0.4MM, or 0.3% QoQ, and an increase of $4.0MM, or 3.2% YoY ■ Salary and employee benefits was $80.0MM, unchanged from the prior quarter, and increased $4.7MM, or 6.3% YoY, reflecting merit increases and higher performance-
Slide 8: Loan Portfolio
Highlights: ■ Total loans held for investment reached $11.7 billion, with continued quarterly growth ■ Loan growth remained strong at 0.8% from the prior quarter and 5.2% YoY, excluding the intentional reduction in other consumer loans ■ Commercial loan growth continued during the quarter, supported
Slide 9: Deposit Portfolio
Deposit Portfolio 54% 36% 10% 9 Notes: Columns may not sum due to rounding differences 1. Deposit costs reflect quarterly figures on an annualized basis 2. Includes other corporate deposits and eliminations Q3'26 Q2'26 Q3'25 Average Balance % Change Dollars in millions Period- End Average Balance Co
Slide 10: Key Balance Sheet Ratios
Key Balance Sheet Ratios CET1 Cash + Securities / Total Assets 24.6% 28.1% 28.6% 28.6% 29.1% Q3'25 Q4'25 Q1'26 Q2'26 Q3'26 36.7% 40.9% 39.9% 38.6% 38.0% Q3'25 Q4'25 Q1'26 Q2'26 Q3'26 Components of Book Value Per Share1 Period End Loans to Deposits 76.7% 72.4% 74.8% 76.1% 76.7% Q3'25 Q4'25 Q1'26 Q2'2
Slide 11: Asset Quality
Asset Quality Allowance for Credit Losses Nonperforming Assets / Total Assets2Net Charge-Offs / Average Loans1 Delinquencies3 Notes: Dollars in millions 1. Quarterly metrics shown on an annualized basis 2. Other NPAs include foreclosed and other repossessed assets 3. Delinquencies represent accruing
Slide 12: Consolidated and Bank Level Capital Ratios
Consolidated and Bank Level Capital Ratios Capital Position CET1 Ratio 28.6% 29.1% 12.7% 13.4% Q2'26 Q3'26 Tier 1 Capital Ratio 28.6% 29.1% 12.7% 13.4% Q2'26 Q3'26 Total Capital Ratio 29.8% 30.2% 13.9% 14.6% Q2'26 Q3'26 Leverage Ratio 17.9% 18.3% 7.9% 8.5% Q2'26 Q3'26 Highlights: ■ Excess capital of
Slide 13: Excess Capital and Valuation vs Peers
Notes: 1. Core bank P/E multiple reflects 9/30/26 closing stock price less excess TBVPS to a 13.5% CET1 ratio divided by annualized MRQ EPS less implied EPS on average excess capital using an opportunity cost of tax-effected daily average IORB for the quarter. High-performing peers include CFR, CBSH
Slide 14: Appendix
Appendix (38) Central Bancompany
Slide 15: Balance Sheet Summary
Balance Sheet Summary Quarter Ended % Change ($MM, unless otherwise stated) Q3'26 Q2'26 Q3'25 QoQ YoY Interest-Bearing Cash and Bank Deposits $752 $769 $1,030 (2.2) % (26.9) % Investment Securities 6,926 7,072 6,018 (2.1) % 15.1 % Gross Loans 11,727 11,674 11,323 0.5 % 3.6 % Total Assets 20,226 20,2
Slide 16: Central Bancompany's History & Overview
Central Bancompany’s History & Overview 1902 Creation of Central Bank 1973 Expanded into St. Louis, Missouri 1993 Added Our 50th Location 2001-2007 Midwest expansion into Oklahoma and Kansas 2022 Expanded into the State of Florida 1980 First Automated Teller Machine (ATM) 1998 Launched Internet Bank
Slide 17: Our Vision & Culture
Our Vision & Culture To Become a Leading Financial Services Provider in Each Community We Serve Notes: 1. Net Promoter Score represents Central Bancompany’s latest available figure for Consumer, Commercial and Wealth businesses weighted by number of responses on our most recent customer survey 2. As
Slide 18: Community Bank Service Model with Best-in-Class Products and Services
Community Bank Service Model with Best-in-Class Products and Services Strong Roots, Endless Possibilities Notes: 1. ROAA for three months ended September 30, 2026 presented on an annualized basis. Consolidated deposits and loans do not foot to 11 primary market areas due to deposits in our Other Mar
Slide 19: Reconciliation of Certain Non-GAAP Metrics: Net Interest Margin
Reconciliation of Certain Non-GAAP Metrics 19 Interest income (FTE), net interest income (FTE) and net interest margin (FTE) Q3 Q2 Q3 FY26 FY26 FY25 (dollars in thousands, except share and per share data) Interest income $ 267,106 $ 260,424 $ 248,775 Add: Tax-equivalent adjustment ¹ 1,619 1,580 1,43
Slide 20: Reconciliation of Certain Non-GAAP Metrics: Efficiency Ratio
Reconciliation of Certain Non-GAAP Metrics 20 Tangible noninterest expense, adjusted total revenue (FTE) and efficiency ratio (FTE) Q3 Q2 Q3 FY26 FY26 FY25 (dollars in thousands, except share and per share data) Net interest income $ 218,856 $ 212,784 $ 198,872 Noninterest income 66,800 69,555 57,07
Slide 21: Reconciliation of Certain Non-GAAP Metrics: Tangible Book Value
Reconciliation of Certain Non-GAAP Metrics 21 Tangible common equity, tangible book value per share and tangible common equity to tangible assets Q3 Q2 Q3 FY26 FY26 FY25 (dollars in thousands, except share and per share data) Total stockholders' equity {a} $ 3,838,726 $ 3,865,761 $ 3,284,414 Less: G
Slide 22: Reconciliation of Certain Non-GAAP Metrics: Excess Tangible Equity
Reconciliation of Certain Non-GAAP Metrics 22 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,
Slide 23: Reconciliation of Certain Non-GAAP Metrics: Core and Excess EPS
Reconciliation of Certain Non-GAAP Metrics 23 Core earnings per share and excess earnings per share Q3 FY26 (dollars in thousands, except share and per share data) Adjusted net income (non-GAAP) $ 116,067 Less: dividends on restricted shares $ 81 Adjusted net income for EPS (non-GAAP) {a} $ 115,986
Slide 24: Reconciliation of Certain Non-GAAP Metrics: Adjusted ROTCE
Reconciliation of Certain Non-GAAP Metrics 24 Adjusted return on tangible common equity, core adjusted return on tangible common equity, and adjusted return on tangible common equity on excess capital Q3 FY26 (dollars in thousands, except share and per share data) Average excess common equity tier 1
Slide 25: Reconciliation of Certain Non-GAAP Metrics: Adjusted Net Income
Reconciliation of Certain Non-GAAP Metrics 25 Adjusted net income Q3 Q2 Q3 FY26 FY26 FY25 (dollars in thousands, except share and per share data) Net income {a} $ 116,242 $ 113,773 $ 97,098 Add: Investment securities (losses) gains, net of taxes ¹ {b} (175) (469) 5,270 Adjusted net income (non-GAAP)
Slide 26: Reconciliation of Certain Non-GAAP Metrics: Adjusted Noninterest Income
Reconciliation of Certain Non-GAAP Metrics 26 Adjusted noninterest income, adjusted total revenue and adjusted fee income ratio Q3 Q2 Q3 FY26 FY26 FY25 (dollars in thousands, except share and per share data) Noninterest income {a} $ 66,800 $ 69,555 $ 57,070 Less: Investment securities loss (gain) 22