Central Bancompany, Inc. · NASDAQ:CBC
Central Bancompany — Q2 2026 Earnings Presentation
26 slides from Central Bancompany's earnings presentation, Aug 4, 2026
Slide 1: 2nd Quarter 2026 Financial Review
Exhibit 99.2 2nd Quarter 2026 Financial Review CENTRAL BANCOMPANY August | 2026
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: 2Q26 Financial Highlights
2Q26 Financial Highlights Net Income of $113.8 million NIM of 4.40% CET1 ratio of 28.6% EPS of $0.47 Fee income ratio of 24.6% Excess capital1 of $7.98 per share ROAA of 2.24% Efficiency ratio of 46.5% • Net interest income of $212.8 million; FTE NIM of 4.43%2 Income Statement • Noninterest income o
Slide 4: Income Statement Summary
Income Statement Summary Quarter Ended % Change ($MM, unless otherwise stated) Q2'26 Q1'26 Q2'25 QoQ YoY Interest Income $260.4 $258.1 $245.7 0.9 % 6.0 % Interest Expense 47.6 49.4 50.6 (3.6)% (5.9)% Net Interest Income 212.8 208.6 195.1 2.0 % 9.1 % Provision for Credit Losses 3.5 3.1 - 12.4 % NM Ne
Slide 5: Net Interest Income
Net Interest Income Quarterly Yield Trends Highlights: ■ Net interest income (FTE)1 of $214MM for Q2'26 6.23% 6.28% 6.27% 6.24% 6.24% representing an increase of 9.0% YoY 4.30% 4.39% 4.41% 4.36% 4.43% ■ Average earning assets increased 5.7% YoY, driven by deposit growth and higher capital ■ From the
Slide 6: Noninterest Income
Noninterest Income Quarter-Ended % Change ($MM) Q2'26 Q1'26 Q2'25 QoQ YoY Service charges and commissions $14.8 $14.4 $14.2 2.6 % 4.3 % Payment services revenue 18.3 16.4 17.4 11.5 % 4.8 % Wealth management services 23.2 22.2 19.3 4.5 % 20.3 % Mortgage banking revenues, net 10.6 9.5 11.1 11.3 % (4.7
Slide 7: Noninterest Expense
Noninterest Expense Quarter-Ended % Change ($MM) Q2'26 Q1'26 Q2'25 QoQ YoY Salaries and employee benefits $80.0 $76.0 $74.7 5.3 % 7.1 % Net occupancy and equipment 12.4 12.2 11.7 1.9 % 6.2 % Computer software and maintenance 5.5 6.0 5.2 (8.1)% 5.0 % Marketing and business development 5.3 4.6 5.4 15.
Slide 8: Loan Portfolio
Loan Portfolio Period-End Balances % Change Loan Portfolio Breakdown (%) Dollars in millions Q2'26 Q1'26 Q2'25 QoQ YoY Consumer, 4% Construction & development $570 $513 $482 11.1 % 18.2 % C&D, 5% Home Equity Lines, 4% Commercial, financial & agricultural 1,800 1,741 1,784 3.4 % 0.9 % C&I, 15% Non-ow
Slide 9: Deposit Portfolio
Deposit Portfolio Average Balance Q2'26 Q1'26 Q2'25 % Change Period- Average Period- Average Period- Average Dollars in millions End Balance Cost1 End Balance Cost1 End Balance Cost1 QoQ YoY Noninterest-bearing $5,570 $5,502 $5,563 $5,513 $5,280 $5,226 (0.2)% 5.3 % 10% Savings and interest-bearing d
Slide 10: Key Balance Sheet Ratios
Key Balance Sheet Ratios CET1 Cash + Securities / Total Assets 28.1% 28.6% 28.6% 40.9% 39.9% 24.6% 38.6% 23.8% 36.3% 36.7% Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Components of Book Value Per Share1 Period End Loans to Deposits $15.69 $15.84 76.7% 76.7% 74.8% 76.1% $14.69 $14.88
Slide 11: Asset Quality
Asset Quality Net Charge-Offs / Average Loans1 Nonperforming Assets / Total Assets2 $57.4 $60.1 $53.9 $52.0 $54.8 $4.3 $18.3 $28.4 $3.4 $20.5 $17.2 $23.1 $1.4 $2.8 $2.9 $3.0 $1.3 $0.8 $0.3 $0.3 0.28% 0.30% 0.25% 0.27% 0.30% 0.15% 0.12% 0.10% 0.10% 0.10% $27.1 $32.5 $28.8 $29.0 $28.5 $2.9 $2.2 $2.1 $
Slide 12: Capital Position
Capital Position Consolidated and Bank Level Capital Ratios CET1 Ratio Tier 1 Capital Ratio 28.6% 28.6% 28.6% 28.6% 12.9% 12.7% 12.9% 12.7% Q1'26 Q2'26 Q1'26 Q2'26 Total Capital Ratio Leverage Ratio 17.4% 17.9% 29.8% 29.8% 14.1% 7.9% 7.9% 13.9% Q1'26 Q2'26 Q1'26 Q2'26 Highlights: ■ Excess capital of
Slide 13: Capital Stewardship
Capital Stewardship Excess Capital is a Strategic Asset Proven Capital Allocation Over Long-Term • Over half of our capital is excess, but we estimate it • Continuous exploration of attractive ROIC acquisitions, produces just ~12% of our net income which would drive net income and ROTCE higher • Exc
Slide 14: Appendix
Appendix @ Central Bancompany Strong roots. Endless possibilities”
Slide 15: Balance Sheet Summary
Balance Sheet Summary Quarter Ended % Change ($MM, unless otherwise stated) Q2'26 Q1'26 Q2'25 QoQ YoY Interest-Bearing Cash and Bank Deposits $769 $1,378 $907 (44.2)% (15.2)% Investment Securities 7,072 6,791 6,017 4.1 % 17.5 % Gross Loans 11,674 11,533 11,327 1.2 % 3.1 % Total Assets 20,295 20,456
Slide 16: Central Bancompany's History & Overview
Central Bancompany’s History & Overview 1902 1966 1973 1993 2001-2007 2017 2022 Present Creation of Early adopter of Expanded into Added Our 50th Midwest Expanded Expanded into 1 of only 2 banks named to Top 50 Central Bank computerized St. Louis, Location expansion into into the State of the State
Slide 17: Our Vision & Culture
Our Vision & Culture To Become a Leading Financial Services Provider in Each Community We Serve Customer Community Centric Aligned • Grown the number of • Engaged participation from NOTABLE households served by employees in local CULTURE an average of 3% per communities DEDICATED year since 2016 and
Slide 18: Strong Roots, Endless Possibilities
Strong Roots, Endless Possibilities Community Bank Service Model with Best-in-Class Products and Services Denver Kansas City Jefferson City St. Louis Oklahoma City Tulsa Return on Average Assets Net Promoter Employee Total Deposits Total Loans "ROAA" (%)1 Score2 Satisfaction3 Dollars in millions 6/3
Slide 19: Reconciliation of Certain Non-GAAP Metrics
Reconciliation of Certain Non-GAAP Metrics Interest income (FTE), net interest income (FTE) and net interest margin (FTE) Q2 Q1 Q2 FY26 FY26 FY25 (dollars in thousands, except share and per share data) Interest income $ 260,424 $ 258,054 $ 245,680 Add: Tax-equivalent adjustment ¹ 1,580 1,804 1,542 I
Slide 20: Reconciliation of Certain Non-GAAP Metrics
Reconciliation of Certain Non-GAAP Metrics Tangible noninterest expense, adjusted total revenue (FTE) and efficiency ratio (FTE) Q2 Q1 Q2 FY26 FY26 FY25 (dollars in thousands, except share and per share data) Net interest income $ 212,784 $ 208,617 $ 195,057 Noninterest income 69,555 65,088 50,065 T
Slide 21: Reconciliation of Certain Non-GAAP Metrics
Reconciliation of Certain Non-GAAP Metrics Tangible common equity, tangible book value per share and tangible common equity to tangible assets Q2 Q1 Q2 FY26 FY26 FY25 (dollars in thousands, except share and per share data) Total stockholders' equity {a} $ 3,865,761 $ 3,798,326 $ 3,173,328 Less: Good
Slide 22: Reconciliation of Certain Non-GAAP Metrics
Reconciliation of Certain Non-GAAP Metrics Excess tangible common equity, excess tangible book value per share and core tangible book value per share Q2 Q3 Q4 Q1 Q2 FY25 FY25 FY25 FY26 FY26 (dollars in thousands, except share and per share data) Total stockholders' equity {a} $ 3,173,328 $ 3,284,414
Slide 23: Reconciliation of Certain Non-GAAP Metrics
Reconciliation of Certain Non-GAAP Metrics Core earnings per share and excess earnings per share Q2 FY26 (dollars in thousands, except share and per share data) Adjusted net income (non-GAAP) $ 113,304 Less: dividends on RSAs $ 81 Adjusted net income for EPS (non-GAAP) {a} $ 113,223 Weighted average
Slide 24: Reconciliation of Certain Non-GAAP Metrics
Reconciliation of Certain Non-GAAP Metrics Adjusted return on tangible common equity, core adjusted return on tangible common equity, and adjusted return on tangible common equity on excess capital Q2 FY26 (dollars in thousands, except share and per share data) Average excess common equity tier 1 ca
Slide 25: Reconciliation of Certain Non-GAAP Metrics
Reconciliation of Certain Non-GAAP Metrics Adjusted net income Q2 Q1 Q2 FY26 FY26 FY25 (dollars in thousands, except share and per share data) Net income {a} $ 113,773 $ 111,088 $ 91,365 Add: Loss on sale of consumer lease portfolio, net of provision and taxes¹² {b} — — 6,563 Add: Investment securit
Slide 26: Reconciliation of Certain Non-GAAP Metrics
Reconciliation of Certain Non-GAAP Metrics Adjusted noninterest income, adjusted total revenue and adjusted fee income ratio Q2 Q1 Q2 FY26 FY26 FY25 (dollars in thousands, except share and per share data) Noninterest income {a} $ 69,555 $ 65,088 $ 50,065 Less: Loss on sale of consumer lease portfoli