Central Bancompany, Inc. · NASDAQ:CBC
Central Bancompany — Q4 2025 Earnings Presentation
22 slides from Central Bancompany's earnings presentation, Jan 27, 2026
Slide 1: 4th Quarter 2025 Financial Review
Exhibit 99.2 4th Quarter 2025 Financial Review CENTRAL BANCOMPANY January | 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: 4Q25 Financial Highlights
4Q25 Financial Highlights Net Income of $107.6 million NIM of 4.38% CET1 ratio of 28.1% EPS of $0.47 Fee income ratio of 24.2% Excess capital1 of $7.50 per share ROAA of 2.17% Efficiency ratio of 47.6% • Net interest income of $206.5 million; FTE NIM of 4.41%2, up 2bps Income Statement • Noninterest
Slide 4: Income Statement Summary
Income Statement Summary Quarter Ended % Change ($MM, unless otherwise stated) Q4'25 Q3'25 Q4'24 QoQ YoY Interest Income $255.3 $248.8 $232.7 2.6 % 9.7 % Interest Expense 48.8 49.9 50.3 (2.2)% (2.9)% Net Interest Income 206.5 198.9 182.4 3.8 % 13.2 % Provision for Credit Losses 3.0 3.4 2.6 (10.8)% 1
Slide 5: Net Interest Income
Net Interest Income Quarterly Yield Trends Highlights: 6.19% 6.20% 6.23% 6.28% 6.27% ■ Net interest income (FTE)4 of $208.1MM as of Q4'25 and 4.08% 4.23% 4.30% 4.39% 4.41% $200.3MM as of Q3'25, representing an increase of 3.9% QoQ 1.20% 1.20% 1.19% 1.19% 1.14% ■ FTE NIM4 increased 2 bps due to lower
Slide 6: Noninterest Income
Noninterest Income Quarter-Ended % Change ($MM) Q4'25 Q3'25 Q4'24 QoQ YoY Service charges and commissions $14.6 $15.0 $14.3 (2.7)% 1.8 % Payment services revenue 17.1 17.1 17.1 (0.3)% - Brokerage services 7.7 7.3 6.6 6.0 % 16.2 % Fees for fiduciary services 14.2 13.0 12.3 9.6 % 15.6 % Mortgage banki
Slide 7: Noninterest Expense
Noninterest Expense Quarter-Ended % Change ($MM) Q4'25 Q3'25 Q4'24 QoQ YoY Salaries and employee benefits $76.8 $75.3 $70.9 2.0 % 8.3 % Net occupancy and equipment 12.7 12.7 12.0 (0.1)% 6.1 % Computer software and maintenance 5.2 6.0 4.8 (13.1)% 9.2 % Marketing and business development 5.5 4.8 5.4 1
Slide 8: Loan Portfolio
Loan Portfolio Period-End Balances % Change Loan Portfolio Breakdown (%) Dollars in millions Q4'25 Q3'25 Q4'24 QoQ YoY Consumer, 5% Construction & development $571 $535 $553 6.7 % 3.3 % Home Equity Lines, 4% C&D, 5% Commercial, financial & agricultural 1,761 1,736 1,875 1.4 % (6.1)% C&I, 15% Non-own
Slide 9: Deposit Portfolio
Deposit Portfolio Deposit Portfolio Breakdown (%) Period-End Balances % Change Time Deposits Dollars in millions Q4'25 Q3'25 Q4'24 QoQ YoY (cost 3.01%2) 10% Noninterest-bearing $5,616 $5,318 $5,246 5.6 % 7.1 % Savings and interest- bearing demand 8,612 7,767 8,043 10.9 % 7.1 % Savings and Noninteres
Slide 10: Key Balance Sheet Ratios
Key Balance Sheet Ratios CET1 Cash + Securities / Total Assets 28.1% 24.4% 23.8% 24.6% 23.6% 40.9% 35.8% 37.5% 36.3% 36.7% Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Common Equity (CE) and Tangible Common Equity (TCE)(1) Loans to Deposits $15.69 77.8% 76.5% 76.7% 76.7% $14.69 $14.38
Slide 11: Asset Quality
Asset Quality Net Charge-Offs / Average Loans (1) Nonperforming Assets / Total Assets (2) $55.5 $57.4 $53.9 $51.9 $4.3 $44.7 $18.3 $19.7 $20.5 $3.5 $3.5 $3.4 $17.2 $1.4 0.30% $2.8 $14.5 $1.1 $1.2 0.15% $1.3 0.28% 0.28% $0.4 0.23% 0.10% 0.25% 0.12% 0.12% 0.12% $32.5 $25.0 $29.7 $27.1 $28.7 $2.4 $2.3
Slide 12: Capital Position
Capital Position Consolidated and Bank Level Capital Ratios CET1 Ratio Tier 1 Capital Ratio 28.1% 28.1% 24.6% 24.6% 13.6% 12.9% 13.6% 12.9% Q3'25 Q4'25 Q3'25 Q4'25 Total Capital Ratio Leverage Ratio 17.9% 15.9% 29.3% 25.8% 8.8% 8.2% 14.8% 14.1% Q3'25 Q4'25 Q3'25 Q4'25 Highlights: ■ Excess capital of
Slide 13: Appendix
Appendix @ Central Bancompany Strong roots. Endless possibilities”
Slide 14: Balance Sheet Summary
Balance Sheet Summary ($MM, unless otherwise stated) Quarter Ended % Change ($MM, unless otherwise stated) Q4'25 Q3'25 Q4'24 QoQ YoY Interest-Bearing Cash and Bank Deposits $2,065 $1,030 $1,243 NM 66.2 % Investment Securities 6,422 6,018 5,656 6.7 % 13.5 % Gross Loans 11,435 11,323 11,624 1.0 % (1.6
Slide 15: 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 16: 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 17: 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) Score (2) Satisfaction (3) Dollars in mil
Slide 18: Reconciliation of Certain Non-GAAP Metrics
Reconciliation of Certain Non-GAAP Metrics Interest income (FTE), net interest income (FTE) and net interest margin (FTE) Q4 Q3 Q4 FY25 FY25 FY24 (dollars in thousands, except share and per share data) Interest income $ 255,284 $ 248,775 $ 232,697 Add: Tax-equivalent adjustment ¹ 1,658 1,436 1,370 I
Slide 19: Reconciliation of Certain Non-GAAP Metrics
Reconciliation of Certain Non-GAAP Metrics Tangible noninterest expense, adjusted total revenue (FTE) and efficiency ratio (FTE) Q4 Q3 Q4 FY25 FY25 FY24 (dollars in thousands, except share and per share data) Net interest income $ 206,463 $ 198,872 $ 182,410 Noninterest income 65,771 57,070 24,045 T
Slide 20: 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 Q4 Q3 Q4 FY25 FY25 FY24 (dollars in thousands, except share and per share data) Total stockholders' equity {a} $ 3,783,977 $ 3,284,414 $ 3,110,661 Less: Good
Slide 21: Reconciliation of Certain Non-GAAP Metrics
Reconciliation of Certain Non-GAAP Metrics Adjusted net income Q4 Q3 Q4 FY25 FY25 FY24 (dollars in thousands, except share and per share data) Net income {a} $ 107,591 $ 97,099 $ 61,885 Add: Investment securities loss, net of taxes ¹ {b} — 5,270 29,898 Adjusted net income (non-GAAP) {a} + {b} $ 107,
Slide 22: Reconciliation of Certain Non-GAAP Metrics
Reconciliation of Certain Non-GAAP Metrics Adjusted noninterest income, adjusted total revenue and adjusted fee income ratio Q4 Q3 Q4 FY25 FY25 FY24 (dollars in thousands, except share and per share data) Noninterest income {a} $ 65,771 $ 57,070 $ 24,045 Less: Investment securities loss — (6,920) (3