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
Exhibit 99.2 3rd Quarter 2026 Financial Review CENTRAL BANCOMPANY October | 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: 3Q26 Financial Highlights
3Q26 Financial Highlights Net Income of $116.2 million NIM of 4.48% CET1 ratio of 29.1% EPS of $0.48 Fee income ratio of 23.4% Excess capital1 of $8.28 per share ROAA of 2.27% Efficiency ratio of 45.9% • Net interest income of $218.9 million; FTE NIM of 4.51%2 Income Statement • Noninterest income o
Slide 4: Income Statement Summary
Income Statement Summary Quarter Ended % Change ($MM, unless otherwise stated) Q3'26 Q2'26 Q3'25 QoQ YoY Interest Income $267.1 $260.4 $248.8 2.6 % 7.4 % Interest Expense 48.3 47.6 49.9 1.3 % (3.3)% Net Interest Income 218.9 212.8 198.9 2.9 % 10.0 % Provision for Credit Losses 4.0 3.5 3.4 14.2 % 19.
Slide 5: Net Interest Income
Net Interest Income Quarterly Yield Trends Highlights: 6.28% 6.27% 6.24% 6.24% 6.29% ■ Net interest income (FTE)1 of $220.5MM for Q3'26 representing an increase of 10.1% YoY 4.39% 4.41% 4.36% 4.43% 4.51% ■ Average earning assets increased 7.1% YoY, driven by deposit growth and higher capital ■ Q3’26
Slide 6: Noninterest Income
Noninterest Income Quarter-Ended % Change ($MM) Q3'26 Q2'26 Q3'25 QoQ YoY Wealth management services $23.6 $23.2 $20.2 1.6 % 16.7 % Payment services revenue 17.8 18.3 17.1 (2.5)% 4.0 % Service charges and commissions 15.4 14.8 15.0 4.5 % 3.3 % Mortgage banking revenues, net 8.8 10.6 10.3 (16.9)% (14
Slide 7: Noninterest Expense
Noninterest Expense Quarter-Ended % Change ($MM) Q3'26 Q2'26 Q3'25 QoQ YoY Salaries and employee benefits $80.0 $80.0 $75.3 -% 6.3 % Net occupancy and equipment 12.5 12.4 12.7 0.8 % (2.0)% Computer software and maintenance 5.7 5.5 6.0 3.7 % (5.6)% Marketing and business development 4.9 5.3 4.8 (6.4)
Slide 8: Loan Portfolio
Loan Portfolio Period-End Balances % Change Loan Portfolio Breakdown (%) Dollars in millions Q3'26 Q2'26 Q3'25 QoQ YoY Consumer, 4% Construction & development $517 $570 $535 (9.2)% (3.3)% C&D, 4% Home Equity Lines, 4% Commercial, financial & agricultural 1,782 1,800 1,736 (1.0)% 2.6 % C&I, 15% Non-o
Slide 9: Deposit Portfolio
Deposit Portfolio Average Balance Q3'26 Q2'26 Q3'25 % Change Period- Average Period- Average Period- Average Dollars in millions End Balance Cost1 End Balance Cost1 End Balance Cost1 QoQ YoY Noninterest-bearing $5,653 $5,561 $5,570 $5,502 $5,318 $5,238 1.1 % 6.2 % 10% Savings and interest-bearing de
Slide 10: Key Balance Sheet Ratios
Key Balance Sheet Ratios CET1 Cash + Securities / Total Assets 28.1% 28.6% 28.6% 29.1% 40.9% 39.9% 24.6% 38.6% 38.0% 36.7% Q3'25 Q4'25 Q1'26 Q2'26 Q3'26 Q3'25 Q4'25 Q1'26 Q2'26 Q3'26 Components of Book Value Per Share1 Period End Loans to Deposits $15.84 $16.14 $16.04 76.7% 74.8% 76.1% 76.7% $15.69
Slide 11: Asset Quality
Asset Quality Net Charge-Offs / Average Loans1 Nonperforming Assets / Total Assets2 $66.0 $60.2 $57.4 $54.8 $32.8 $3.4 $3.6 $52.0 $28.4 $2.9 $3.0 $18.3 $23.1 $1.3 $2.8 $1.2 $17.2 $0.8 $0.3 $0.3 0.30% 0.25% 0.27% 0.30% 0.33% 0.12% 0.10% 0.10% 0.10% 0.12% $32.5 $28.8 $29.0 $28.7 $30.1 $2.2 $2.1 $2.6 $
Slide 12: Capital Position
Capital Position Consolidated and Bank Level Capital Ratios CET1 Ratio Tier 1 Capital Ratio 28.6% 29.1% 28.6% 29.1% 12.7% 13.4% 12.7% 13.4% Q2'26 Q3'26 Q2'26 Q3'26 Total Capital Ratio Leverage Ratio 17.9% 18.3% 29.8% 30.2% 7.9% 8.5% 13.9% 14.6% Q2'26 Q3'26 Q2'26 Q3'26 Highlights: ■ Excess capital of
Slide 13: Capital Stewardship: Excess Capital is a Strategic Asset
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) 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 20,295
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 9/3
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) 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 1,436 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) 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 57,070 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 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: 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 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 $ 3,865,761
Slide 23: Reconciliation of Certain Non-GAAP Metrics
Reconciliation of Certain Non-GAAP Metrics 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 Wei
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 Q3 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 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) {a
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 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) 229 6