Central Bancompany Q3 earnings rise 19.7% to $116M
Net interest margin was 4.48%, and CBC reported $2.0 billion of excess capital relative to its 13.5% long-term CET1 target.
Sentiment and the balance of points
Rhea-AI Sentiment reads the wording of the document, how positive or negative its language is on a 1 to 5 scale. The balance of points shown with the takes weighs what the document actually discloses, so the two can disagree, for example when a trial that missed its main goal is described in upbeat language.
Form Type
8-K
Rhea-AI Filing Summary
Central Bancompany, Inc. (CBC) reported third-quarter 2026 net income of $116.2 million, up 19.7% from $97.1 million a year earlier; diluted earnings per share were $0.48 versus $0.44. Net interest income rose 10.0% to $218.9 million, while net interest margin was 4.48%, compared with 4.36% a year earlier.
Total revenue was $285.7 million, up 11.6% year over year. Average deposits were $15.4 billion, up 4.4%, and average loans held for investment were $11.7 billion. Noninterest expense increased 3.2% to $131.0 million; the efficiency ratio on a fully taxable-equivalent basis was 45.4%, versus 47.7% in Q3 2025.
At September 30, nonperforming assets were $66.0 million, or 0.33% of total assets, and annualized net charge-offs were 0.12% of average loans. The consolidated CET1 ratio was 29.1%, with $2.0 billion of excess capital relative to its 13.5% long-term CET1 target. CBC repurchased $3.8 million of shares in Q3 at an average price of $31.02 under its $100 million authorization.
2 points · 0 major0 major · 1 point
How this balance works
Rhea-AI gives every point it takes from this document a weight. Minor counts 1, Moderate 3 and Major 9, so one Major point outweighs several Minor ones. The bar adds up the weights on each side, and when neither side holds more than 65% of the total the balance reads Mixed.
It reads the document as published, with the same rules for every company, and it does not look at what the market expected or at how the stock traded, so a point can be objectively good on a day the stock falls.
Rhea-AI Sentiment measures something else, the tone of the wording.
Positive
- Moderate pointNet income rose 19.7% year over year to $116.2 million in Q3 2026.
- Moderate pointTotal revenue increased 11.6% year over year to $285.7 million in Q3 2026.
Negative
- Moderate pointNonperforming assets increased 14.9% year over year to $66.0 million.
Filing Explained
The presentation says the difference between Central Bancompany’s
8-K Event Classification
3 items: 2.02, 7.01, 9.01
3 items
Item 2.02
Results of Operations and Financial Condition
Financial
Disclosure of earnings results, typically an earnings press release or preliminary financials.
Item 7.01
Regulation FD Disclosure
Disclosure
Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.
Item 9.01
Financial Statements and Exhibits
Exhibits
Financial statements, pro forma financial information, or exhibit attachments filed with this report.
Key Figures
Net income: $116.2 million
Diluted earnings per share: $0.48 per share
Total revenue: $285.7 million
+5 more
8 metrics
Net income
$116.2 million
Third quarter 2026; up 19.7% year over year
Diluted earnings per share
$0.48 per share
Third quarter 2026; compared with $0.44 in Q3 2025
Total revenue
$285.7 million
Third quarter 2026; up 11.6% year over year
Net interest income
$218.9 million
Third quarter 2026; up 10.0% year over year
Net interest margin
4.48%
Third quarter 2026; compared with 4.36% in Q3 2025
Nonperforming assets
$66.0 million
At September 30, 2026; 0.33% of total assets
Consolidated CET1 ratio
29.1%
At September 30, 2026
Share repurchases
$3.8 million at an average price of $31.02 per share
Q3 2026; $100 million authorization
Key Terms
net interest margin, fully-tax equivalent basis, CET1 ratio, allowance for credit losses, +1 more
5 terms
net interest margin financial
"Net interest margin increased to 4.48%"
Net interest margin measures how much a bank earns from lending and investing compared with what it pays for funding, expressed as a percentage of its interest-earning assets. Think of it like a grocery store’s markup: it shows the gap between buying cost and selling price per dollar of goods — here, the cost is interest paid and the sale is interest received. Investors watch it because a higher margin usually means a bank is more profitable and better at managing interest rate and credit conditions.
fully-tax equivalent basis financial
"Net interest margin (FTE) (non-GAAP)"
CET1 ratio financial
"Our CET1 ratio was 29.1%"
CET1 ratio measures a bank's core equity capital (the most loss-absorbing funds like common stock and retained earnings) relative to the size of its risk-adjusted assets. It shows how big the bank's financial cushion is compared with what it has on its books; a higher ratio means greater ability to absorb losses, lower regulatory risk, and generally more investor confidence in the bank's stability.
allowance for credit losses financial
"The allowance for credit losses ended the quarter at $150.9 million"
Allowance for credit losses is a reserve set aside by a financial institution to cover potential losses from borrowers who may not repay their loans. It acts like a safety net, helping the institution prepare for loans that might turn sour. For investors, it signals how cautious the institution is about the quality of its loans and potential risks to its financial health.
nonperforming assets financial
"Nonperforming assets at September 30, 2026 were $66.0 million"
Nonperforming assets are loans or investments that are not generating expected payments or returns because the borrower has fallen behind on payments or the investment has lost value. They matter to investors because a high level of nonperforming assets can indicate financial trouble for a bank or institution, potentially affecting its stability and profitability.
Earnings Snapshot
Net income: $116.2 million
Third quarter 2026
Net income
$116.2 million
+19.7% year over year
Diluted earnings per share
$0.48 per share
+9.9% year over year
Total revenue
$285.7 million
+11.6% year over year
Net interest income
$218.9 million
+10.0% year over year
Net interest margin
4.48%
Compared with 4.36% in Q3 2025
FAQ
AI-generated questions and answers. How Rhea-AI works. Not financial advice.
How much did CBC earn in Q3 2026?
Central Bancompany reported net income of $116.2 million for the third quarter of 2026, compared with $97.1 million in the third quarter of 2025. Net income increased 19.7% year over year, and diluted earnings per share were $0.48 versus $0.44.
How much stock did CBC repurchase in Q3 2026?
Central Bancompany repurchased $3.8 million of shares in Q3 2026 at an average price of $31.02 per share, as part of its $100 million share repurchase authorization.
AI-generated analysis. How Rhea-AI works. Not financial advice.
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
___________________________________
FORM 8-K
___________________________________
CURRENT REPORT
Pursuant to Section 13 or 15(d)
of the Securities Exchange Act of 1934
Date of Report (date of earliest event reported): October 27, 2026
___________________________________
(Exact name of registrant as specified in its charter)
___________________________________
(State or other jurisdiction of incorporation or organization) | (Commission File Number) | (I.R.S. Employer Identification Number) | ||||||
(Address of principal executive offices and zip code) | ||||||||
( | ||||||||
(Registrant's telephone number, including area code) | ||||||||
___________________________________
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) | |||||
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) | |||||
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) | |||||
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) | |||||
Securities registered pursuant to Section 12(b) of the Act: | ||||||||
Title of each class | Trading Symbol | Name of each exchange on which registered | ||||||
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR 230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR 240.12b-2).
Emerging growth company ☒
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Item 2.02 - Results of Operations and Financial Condition
On October 27, 2026, Central Bancompany, Inc. (“the Company”), issued a press release announcing the financial results for the Company for the quarter ended September 30, 2026. A copy of the press release is attached as Exhibit 99.1 and the information is hereby incorporated by reference herein. The Company does not incorporate by reference information presented at any website referenced in the press release.
Item 7.01 - Regulation FD Disclosure
The Company is furnishing a copy of materials that will be used in the Company's shareholder conference call at 9:00 a.m. CT on October 27, 2026. A copy of the materials is attached as Exhibit 99.2 and will be available on the Company’s investor relations website https://investor.centralbank.net. The call can be accessed via this same website or by using the following link: https://edge.media-server.com/mmc/p/oysdru7q/. A recorded replay of the conference call will be available on the website after the call’s completion. The materials are dated October 27, 2026, and the Company disclaims any obligation to correct or update any of the materials in the future.
The information contained in Item 2.02 and 7.01 of this Current Report on Form 8-K, including Exhibits 99.1 and 99.2 hereto, is being furnished and shall not be deemed to be “filed” with the Securities and Exchange Commission (“SEC”) for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section and is not incorporated by reference into any filing of the Company under the Securities Act of 1933, as amended (the “Securities Act”), or the Exchange Act, whether made before or after the date hereof, except as shall be expressly set forth by specific reference to this Current Report on Form 8-K in such a filing.
Item 9.01 - Financial Statements and Exhibits
(d) Exhibits
Exhibit No. | Description | ||||
99.1 | Press release of Central Bancompany, Inc. dated October 27, 2026, containing information for the quarter ended September 30, 2026 | ||||
99.2 | Quarterly Investor Relations Presentation for the quarter ended September 30, 2026 | ||||
104 | The XBRL tags on the cover page of this Form 8-K are embedded within the Inline XBRL document. | ||||
SIGNATURE
Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
CENTRAL BANCOMPANY, INC. | |||||||||||
Date: | October 27, 2026 | By: | /s/ James K. Ciroli | ||||||||
Name: James K. Ciroli | |||||||||||
Title: EVP and Chief Financial Officer (Principal Financial Officer and Authorized Officer) | |||||||||||
Central Bancompany, Inc. Reports Third Quarter 2026 Results Third Quarter 2026 Financial Highlights • Net income of $116.2 million, or $0.48 per fully diluted share, compared to $113.8 million and $0.47 in the prior quarter and $97.1 million, or $0.44 in the prior year quarter • Net interest income of $218.9 million, reflecting a net interest margin (“NIM”) of 4.48% compared to 4.40% in the prior quarter and 4.36% in the prior year quarter • Average total loans held for investment of $11.7 billion, quarterly increase of $0.1 billion, or 3.2% annualized, from the prior quarter • Average total deposits of $15.4 billion, an increase of $0.6 billion or 4.4% from prior year quarter • Return on average assets (“ROAA”) of 2.27% • Efficiency ratio of 45.9% and efficiency ratio (FTE)1 of 45.4% • Asset quality remained strong, with nonperforming assets at 33 bps of total assets and annualized net charge-offs of 12 bps for the quarter JEFFERSON CITY, MO. (October 27, 2026 / GLOBE NEWSWIRE) — Central Bancompany, Inc. (Nasdaq: CBC) (“Central Bancompany”, “the Company”, or “CBC”), the bank holding company for The Central Trust Bank (the “Bank”), today announced preliminary financial results for the third quarter 2026. John “JR” Ross, President and Chief Executive Officer of Central Bancompany, commented: “We delivered another strong quarter, supported by continued balance sheet growth, disciplined expense management, and solid credit quality. Adjusted net income1 increased $13.7 million from a year ago and $2.8 million from the prior quarter. Year-over-year performance reflected growth in net interest income and noninterest income that outpaced expense growth, while linked-quarter results benefited from continued net interest margin expansion and higher net interest income driven by our asset-sensitive balance sheet. These favorable trends were partially offset by lower mortgage banking revenues.” Ross continued, “Underlying business fundamentals remained healthy across our franchise. Average total deposits increased more than 4% from the prior-year quarter, including 6% growth in noninterest-bearing deposits, while average loans grew at an annualized rate of more than 3% from the prior quarter despite our continued focus on reducing certain consumer loan balances. Credit quality remained benign, and we maintained our allowance for credit losses coverage ratio while modestly increasing the overall reserve balance to support loan growth.” “We also continue to align our leadership talent with our strongest growth opportunities. Matthew Adams has been named President and CEO of our Oklahoma market, and Brandy Bryant, formerly a Mid-Missouri market CEO, has assumed a new enterprise leadership role focused on consumer and small business credit products and processes. Both are accomplished leaders with more than 20 years of experience with our company and are well positioned to support continued growth and execution across our franchise.” “These results reflect the resilience of our business model, the strength of our customer relationships, and the dedication of our associates across all of our markets.” Net Interest Income and Net Interest Margin Net interest income totaled $218.9 million in the third quarter of 2026, increasing from both the prior year period and prior quarter, reflecting growth in average earning assets and expansion in net interest margin. Net interest margin increased to 4.48% (4.51% on an FTE basis1), compared with 4.36% in the prior year quarter and 4.40% in the second quarter of 2026. The increase was driven by higher loan and securities yields, continued loan growth, a favorable earning asset mix, and lower balances of interest-earning cash. Exhibit 99.1 1 1This is a non-GAAP financial measure management believes is helpful to understanding trends in our business that may not be fully apparent based only on the most comparable GAAP financial measure. Further information on this financial measure and a reconciliation to the most comparable GAAP financial measure is provided at the end of this release.
Average earning assets grew 7.1% year-over-year to $19.4 billion, supported by solid deposit growth and higher capital levels. Average total loans held for investment increased to $11.7 billion, with broad based growth across core lending categories. Period-end loans exceeded the quarterly average by $54 million, providing positive momentum entering the fourth quarter. Average total deposits grew 4% year-over-year to $15.4 billion, driven by continued growth in both noninterest-bearing and interest- bearing non-maturity deposits. The cost of deposits improved to 1.11%, down 8 basis points from the prior year quarter and stable with the linked quarter. Provision for credit losses The provision for credit losses was $4.0 million for the third quarter of 2026, an increase of 14.2% from the prior quarter driven primarily by loan growth. The allowance for credit losses ended the quarter at $150.9 million, up slightly from the prior quarter end and representing 1.29% of loans held for investment. The allowance rate reflects continued stable credit quality trends and an ongoing shift in portfolio composition toward higher credit quality loans. Noninterest income Total noninterest income was $66.8 million for the third quarter of 2026, an increase of $9.7 million or 17.0% from the prior year quarter. Adjusted noninterest income1 was $66.6 million, reflecting 4.0% growth year-over-year, consistent with our steady fee income expansion. Wealth management services remained a key growth driver, with revenues increasing $3.4 million, or 16.7%, year-over-year to $23.6 million, supported by 13.8% growth in assets under advice to $17.5 billion. Service charges and commissions and payment services revenue also contributed positively, growing 3.3% and 4.0% year-over-year, respectively. Mortgage banking revenues declined $1.5 million, or 14.3%, year-over-year to $8.8 million, attributable to reduced origination volumes in the higher interest rate environment. The fee income ratio remained strong at 23.4% for the third quarter of 2026, despite the 10.0% increase in net interest income year- over-year. Noninterest expense Total noninterest expense was $131.0 million for the third quarter of 2026, an increase of $4.0 million, or 3.2% compared to the third quarter of 2025. Expense growth remained well below our revenue growth rate, reflecting continued expense discipline and positive operating leverage. Salaries and employee benefits totaled $80.0 million, remaining stable compared with the prior quarter while increasing $4.7 million, or 6.3%, from the prior year quarter, primarily due to annual merit increases and higher performance-based compensation. This increase was partially offset by lower non-personnel expenses, including legal and professional fees, which declined $0.9 million, or 13.9%, reflecting lower technology consulting costs compared to the prior year quarter. Occupancy and technology expenses also declined modestly from the prior year period. The efficiency ratio (FTE)1 improved to 45.4% for the third quarter of 2026, compared to 46.1% in the prior quarter and 47.7% in the third quarter of 2025, reflecting our ability to grow revenues at a faster rate than expenses. Provision for income taxes The third quarter 2026 provision for income taxes was $34.4 million, up $0.7 million from the second quarter of 2026 and $5.9 million from the third quarter of 2025, reflecting higher pre-tax earnings. The effective tax rate was 22.8% for the current quarter, generally consistent with prior periods. 1This is a non-GAAP financial measure management believes is helpful to understanding trends in our business that may not be fully apparent based only on the most comparable GAAP financial measure. Further information on this financial measure and a reconciliation to the most comparable GAAP financial measure is provided at the end of this release. 2
Asset quality Asset quality remained strong. Nonperforming assets at September 30, 2026 were $66.0 million, or 33 basis points of total assets, up only slightly from 30 basis points at the end of the prior year quarter. Net charge-offs were $3.6 million for the quarter, 12 basis points (annualized) of average total loans. Credit costs remained in line with prior quarters. Delinquent loans at September 30, 2026 were $27.6 million, or 24 basis points of loans held for investment, as compared to 21 basis points at the end of the prior year quarter. Capital Capital levels at September 30, 2026 remained very strong. Our CET1 ratio was 29.1% and represented $2.0 billion of excess capital when compared to our long-term CET1 target of 13.5%. The Bank’s CET1 ratio was 13.4% at September 30, 2026. The difference in the consolidated capital ratio and the capital ratio at the Bank represents capital that is readily available to be deployed. Our book value per share at September 30, 2026 was $16.04, whereas our tangible book value per share1 was $14.58, of which $6.30 per share represents core tangible book value1, with the remaining $8.28 per share attributable to excess capital. Conference Call and Webcast Information The Company will host a conference call and webcast at 9:00 a.m. CT on Tuesday, October 27, 2026. The call may include discussion of Company developments, forward-looking statements and other material information about business and financial matters. This press release and a related slide presentation will be accessible on the Company’s investor relations website https:// investor.centralbank.net. The call can be accessed via this same website or by using the following link: https://edge.media-server.com/ mmc/p/oysdru7q/. A recorded replay of the conference call will be available on the website after the call’s completion. About Central Bancompany, Inc. Central Bancompany, Inc. is a bank holding company headquartered in Jefferson City, Missouri, with approximately $20.2 billion in assets as of September 30, 2026. Its banking subsidiary, The Central Trust Bank, has been serving businesses and customers since 1902. The bank is built on a strong foundation of people, community service, and technology. The Central Trust Bank is a Missouri state-chartered trust company with banking powers and a Federal Reserve state member bank, serving consumers and businesses in Missouri, Kansas, Oklahoma, Colorado, and Florida. Divisions of The Central Trust Bank include Central Trust Company and Central Investment Advisors. Non-GAAP Financial Information In this release, we provide information about certain non-GAAP financial measures. This information supplements the results that are reported according to generally accepted accounting principles in the United States (“GAAP”) and should not be viewed in isolation from, or as a substitute for, GAAP results. The differences between the non-GAAP financial measures and the nearest comparable GAAP financial measures are reconciled later in this release. We are presenting these non-GAAP financial measures because we believe, when taken collectively, they may be helpful to investors because they provide consistency and comparability with past financial performance by excluding certain items that may not be indicative of our business, results of operations or outlook. The non- GAAP measures as defined by the Company may not be comparable to similar non-GAAP measures presented by other companies. 1This is a non-GAAP financial measure management believes is helpful to understanding trends in our business that may not be fully apparent based only on the most comparable GAAP financial measure. Further information on this financial measure and a reconciliation to the most comparable GAAP financial measure is provided at the end of this release. 3
Cautionary Note Regarding Forward-Looking Statements This press release 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 subject to numerous uncertainties and factors relating to our operations and business, all of which are difficult to predict and many of which are beyond our control. Forward-looking statements include information concerning our possible or assumed future results of operations, including descriptions of our business strategy. These forward-looking statements are generally identified by the use of forward-looking terminology, including the terms “anticipate,” “believe,” “could,” “estimate,” “expect,” “intend,” “may,” “plan,” “potential,” “predict,” “project,” “should,” “target,” “will,” “would” and, in each case, their negative or other variations or comparable terminology and expressions. All statements other than statements of historical facts contained in this press release are forward-looking statements. We have based the forward-looking statements contained herein on our current expectations and projections about future events and trends that we believe may affect our business, financial condition, results of operations and prospects. The outcome of the events described in these forward-looking statements is subject to risks, uncertainties and other factors described in “Cautionary Note Regarding Forward-Looking Statements,” Part I Item 1A - "Risk Factors" and Part II Item 7 - "Management's Discussion and Analysis of Financial Condition and Results of Operations" in the Company's 2025 Annual Report on Form 10-K. Moreover, we operate in a very competitive and rapidly changing environment. New risks and uncertainties emerge from time to time, and it is not possible for us to predict all risks and uncertainties that could have an impact on the forward- looking statements. The forward-looking statements relate only to events as of the date on which the statements are made. Our statements should not be read to indicate that we have conducted an exhaustive inquiry into, or review of, all potentially available relevant information. These forward-looking statements are not guarantees of future performance and involve certain risks, uncertainties, and assumptions which are difficult to predict with regard to timing, extent, likelihood and degree of occurrence. Therefore, actual results and outcomes may materially differ from what is expected, implied or forecasted in such forward-looking statements. These forward-looking statements are inherently uncertain and you are cautioned not to unduly rely upon these statements. We undertake no obligation to update any forward-looking statements made in this press release to reflect events or circumstances after the date of this press release or to reflect new information or the occurrence of unanticipated events, except as required by law. Media Contact: Investor Relations Contact: Dan Westhues Charlie Martin SEVP, Chief Customer Officer Corporate Development Officer Central Bancompany, Inc. Central Bancompany, Inc. dan.westhues@centralbank.net charlie.martin@centralbank.net (573) 634-1281 (314) 686-7007 4
Current quarter, prior quarter and prior year quarter information is provided on pages 5-8 below. Central Bancompany, Inc. and Subsidiaries Quarterly Consolidated Balance Sheets (unaudited) Q3 Q2 Q3 Q vs PQ Q vs PYQ FY26 FY26 FY25 $VAR %VAR $VAR %VAR (dollars in thousands, except per common share data) Assets Cash and due from banks $ 188,916 $ 244,257 $ 217,621 $ (55,341) (22.7) % $ (28,705) (13.2) % Short-term earning assets 563,556 525,044 812,449 38,512 7.3 % (248,893) (30.6) % Investment securities 6,925,764 7,072,074 6,017,738 (146,310) (2.1) % 908,026 15.1 % Loans held for investment: Construction and development 517,308 569,593 534,852 (52,285) (9.2) % (17,544) (3.3) % Commercial, financial & agricultural 1,781,558 1,799,584 1,736,276 (18,026) (1.0) % 45,282 2.6 % Non-owner-occupied commercial real estate 1 3,340,832 3,249,479 3,156,493 91,353 2.8 % 184,339 5.8 % Owner-occupied commercial real estate 1,614,970 1,595,866 1,583,150 19,104 1.2 % 31,820 2.0 % Commercial real estate 4,955,802 4,845,345 4,739,643 110,457 2.3 % 216,159 4.6 % Total commercial loans 7,254,668 7,214,522 7,010,771 40,146 0.6 % 243,897 3.5 % Residential mortgage loans 2 3,496,137 3,475,428 3,250,731 20,709 0.6 % 245,406 7.5 % Home equity lines of credit 456,541 433,330 390,777 23,211 5.4 % 65,764 16.8 % Consumer credit card 100,482 98,107 92,881 2,375 2.4 % 7,601 8.2 % Other consumer loans 429,422 462,469 588,192 (33,047) (7.1) % (158,770) (27.0) % Total residential and consumer loans 4,482,582 4,469,334 4,322,581 13,248 0.3 % 160,001 3.7 % Total unpaid principal balance 11,737,250 11,683,856 11,333,352 53,394 0.5 % 403,898 3.6 % Add: Unearned income (9,810) (10,240) (10,034) 430 (4.2) % 224 (2.2) % Loans held for investment 11,727,440 11,673,616 11,323,318 53,824 0.5 % 404,122 3.6 % Less: Allowance for credit losses (150,888) (150,417) (149,459) (471) 0.3 % (1,429) 1.0 % Net loans 11,576,552 11,523,199 11,173,859 53,353 0.5 % 402,693 3.6 % Loans held for sale 17,791 27,751 21,830 (9,960) (35.9) % (4,039) (18.5) % Land, buildings, and equipment, net 224,518 223,803 214,550 715 0.3 % 9,968 4.6 % Goodwill and intangibles 349,495 350,055 352,470 (560) (0.2) % (2,975) (0.8) % Other assets 379,063 328,644 373,088 50,419 15.3 % 5,975 1.6 % Total assets $ 20,225,657 $ 20,294,827 $ 19,183,605 $ (69,170) (0.3) % $ 1,042,052 5.4 % Liabilities and Stockholders' Equity Deposits: Noninterest-bearing demand $ 5,652,941 $ 5,570,404 $ 5,317,961 $ 82,537 1.5 % $ 334,980 6.3 % Savings and interest-bearing demand 8,159,302 8,263,224 7,767,084 (103,922) (1.3) % 392,218 5.0 % Time 1,503,637 1,544,211 1,704,182 (40,574) (2.6) % (200,545) (11.8) % Total deposits 15,315,880 15,377,839 14,789,227 (61,959) (0.4) % 526,653 3.6 % Federal funds purchased and customer repurchase agreements 932,323 913,127 958,766 19,196 2.1 % (26,443) (2.8) % Total customer funds 16,248,203 16,290,966 15,747,993 (42,763) (0.3) % 500,210 3.2 % Other liabilities 138,728 138,100 151,198 628 0.5 % (12,470) (8.2) % Total liabilities 16,386,931 16,429,066 15,899,191 (42,135) (0.3) % 487,740 3.1 % Stockholders' equity: Common equity 4,158,294 4,069,687 3,422,555 88,607 2.2 % 735,739 21.5 % Accumulated other comprehensive (loss) (177,364) (65,533) (38,983) (111,831) 170.6 % (138,381) 355.0 % Less: Treasury stock (142,204) (138,393) (99,158) (3,811) 2.8 % (43,046) 43.4 % Total stockholders' equity 3,838,726 3,865,761 3,284,414 (27,035) (0.7) % 554,312 16.9 % Total liabilities and stockholders' equity $ 20,225,657 $ 20,294,827 $ 19,183,605 $ (69,170) (0.3) % $ 1,042,052 5.4 % 1 Non-owner occupied commercial real estate loans updated presentation to include multi-family loans 2 Residential mortgage loans updated presentation to include residential construction and development 5
Central Bancompany, Inc. and Subsidiaries Quarterly Consolidated Statements of Income (unaudited) Q3 Q2 Q3 Q vs PQ Q vs PYQ FY26 FY26 FY25 $VAR %VAR $VAR %VAR (dollars in thousands, except per common share data) Interest income: Loans $ 184,767 $ 179,874 $ 179,351 $ 4,893 2.7 % $ 5,416 3.0 % Investment securities 76,002 73,491 62,343 2,511 3.4 % 13,659 21.9 % Short-term earning assets 6,337 7,059 7,081 (722) (10.2) % (744) (10.5) % Total interest income 267,106 260,424 248,775 6,682 2.6 % 18,331 7.4 % Interest expense: Deposits 42,990 42,176 44,066 814 1.9 % (1,076) (2.4) % Federal funds purchased and customer repurchase agreements 5,260 5,464 5,837 (204) (3.7) % (577) (9.9) % Total interest expense 48,250 47,640 49,903 610 1.3 % (1,653) (3.3) % Net interest income 218,856 212,784 198,872 6,072 2.9 % 19,984 10.0 % Provision for credit losses 4,038 3,535 3,382 503 14.2 % 656 19.4 % Noninterest income: Wealth management services 23,612 23,244 20,239 368 1.6 % 3,373 16.7 % Payment services revenue 17,803 18,253 17,111 (450) (2.5) % 692 4.0 % Service charges and commissions 15,444 14,785 14,955 659 4.5 % 489 3.3 % Mortgage banking revenues, net 8,826 10,615 10,297 (1,789) (16.9) % (1,471) (14.3) % Investment securities gains (losses), net 229 616 (6,920) (387) (62.8) % 7,149 (103.3) % Other income 886 2,042 1,388 (1,156) (56.6) % (502) (36.2) % Total noninterest income 66,800 69,555 57,070 (2,755) (4.0) % 9,730 17.0 % Adjustments: Investment securities gains (losses), net 229 616 (6,920) (387) (62.8) % 7,149 (103.3) % Total adjusted noninterest income 1 66,571 68,939 63,990 (2,368) (3.4) % 2,581 4.0 % Noninterest expenses: Salaries and employee benefits 80,006 80,036 75,298 (30) — % 4,708 6.3 % Net occupancy and equipment 12,488 12,392 12,748 96 0.8 % (260) (2.0) % Computer software and maintenance 5,692 5,490 6,032 202 3.7 % (340) (5.6) % Marketing and business development 4,937 5,273 4,818 (336) (6.4) % 119 2.5 % Legal and professional fees 5,275 5,569 6,125 (294) (5.3) % (850) (13.9) % Bankcard processing, rewards and related cost 8,375 8,263 8,040 112 1.4 % 335 4.2 % Other expenses 14,206 14,331 13,884 (125) (0.9) % 322 2.3 % Total noninterest expenses 130,979 131,354 126,945 (375) (0.3) % 4,034 3.2 % Income before income taxes 150,639 147,450 125,615 3,189 2.2 % 25,024 19.9 % Income taxes 34,397 33,677 28,516 720 2.1 % 5,881 20.6 % Net income $ 116,242 $ 113,773 $ 97,098 $ 2,470 2.2 % $ 19,144 19.7 % Investment securities gains (losses), net of taxes 175 469 (5,270) (294) (62.7) % 5,445 (103.3) % Adjusted net income 1 $ 116,067 $ 113,304 $ 102,369 $ 2,764 2.4 % $ 13,699 13.4 % End of period shares 239,382 239,505 220,665 (123) (0.1) % 18,717 8.5 % Weighted average fully diluted shares 239,550 239,679 220,059 (129) (0.1) % 19,491 8.9 % Net income per common share - diluted $ 0.48 $ 0.47 $ 0.44 $ 0.01 2.2 % $ 0.04 9.9 % Adjusted net income 1 per common share - diluted $ 0.48 $ 0.47 $ 0.47 $ 0.01 2.5 % $ 0.02 4.1 % Dividends / share $ 0.12 $ 0.12 $ 0.06 $ - — % $ 0.07 118.2 % 1 These are non-GAAP financial measures management believes are helpful to understanding trends in our business that may not be fully apparent based only on the most comparable GAAP financial measures. Further information on these financial measures and reconciliations to the most comparable GAAP financial measures are provided at the end of this release. 6
(dollars in thousands, except per common share data and other information) Financial Ratios (GAAP) Net interest margin 4.48 % 4.40 % 4.36 % 0.08 % 1.83 % 0.12 % 2.71 % Return on average total assets 2 2.27 % 2.24 % 2.02 % 0.02 % 0.97 % 0.25 % 12.26 % Return on average common equity 2 11.9 % 11.9 % 11.9 % — % — % — % (0.3) % Fee income ratio 23.4 % 24.6 % 22.3 % (1.3) % (5.1) % 1.1 % 4.9 % Efficiency ratio 45.9 % 46.5 % 49.6 % (0.7) % (1.4) % (3.7) % (7.6) % Effective tax rate 22.8 % 22.8 % 22.7 % — % — % 0.1 % 0.6 % Financial Ratios (Non-GAAP) 1 Net interest margin (FTE) 3 4.51 % 4.43 % 4.39 % 0.08 % 1.83 % 0.12 % 2.72 % Adjusted return on average total assets 2 2.26 % 2.23 % 2.13 % 0.03 % 1.24 % 0.13 % 6.32 % Adjusted return on average common equity 2 11.8 % 11.8 % 12.5 % — % 0.2 % (0.7) % (5.6) % Return on average tangible common equity 2 13.1 % 13.1 % 13.4 % — % (0.3) % (0.4) % (2.6) % Adjusted return on average tangible common equity 2 13.1 % 13.1 % 14.2 % — % (0.1) % (1.1) % (7.8) % Adjusted fee income ratio 23.3 % 24.5 % 24.3 % (1.1) % (4.7) % (1.0) % (4.2) % Efficiency ratio (FTE) 3 45.4 % 46.1 % 47.7 % (0.6) % (1.4) % (2.3) % (4.8) % Net Interest Margin & Yields Interest-earning cash yield 3 3.92 % 3.86 % 4.64 % 0.06 % 1.6 % (0.71) % (15.4) % Investment securities yield 3 4.32 % 4.22 % 4.09 % 0.10 % 2.5 % 0.23 % 5.7 % Loan yield 3 6.29 % 6.24 % 6.28 % 0.05 % 0.8 % 0.01 % 0.2 % Cost of deposits 1.11 % 1.10 % 1.19 % 0.01 % 0.7 % (0.08) % (6.5) % Cost of funds 1.17 % 1.17 % 1.26 % — % 0.4 % (0.09) % (7.0) % Loan to deposit ratio 76.7 % 76.1 % 76.7 % 0.6 % 0.8 % — % — % Interest-free funds ratio 44.5 % 44.0 % 42.2 % 0.5 % 1.0 % 2.3 % 5.4 % Interest-earning asset yield 3 5.50 % 5.42 % 5.49 % 0.08 % 1.5 % 0.01 % 0.2 % Cost of total interest-bearing liabilities 1.78 % 1.76 % 1.89 % 0.02 % 1.1 % (0.11) % (6.0) % Net interest spread 3.72 % 3.66 % 3.59 % 0.06 % 1.8 % 0.13 % 3.5 % Benefit of interest-free funds 0.79 % 0.78 % 0.80 % 0.02 % 2.2 % (0.01) % (1.0) % Other Information Number of full service offices 159 159 155 — — % 4 2.6 % Full-time equivalent employees 2,921 2,971 2,911 (50) (1.7) % 10 0.3 % Consolidated Capital Ratios Tier 1 capital ratio 29.1 % 28.6 % 24.6 % 0.4 % 1.5 % 4.5 % 18.1 % Total risk-based capital ratio 30.2 % 29.8 % 25.8 % 0.4 % 1.4 % 4.4 % 17.1 % Tier 1 leverage ratio 18.3 % 17.9 % 15.9 % 0.4 % 2.2 % 2.4 % 15.0 % Common equity tier 1 ratio 29.1 % 28.6 % 24.6 % 0.4 % 1.5 % 4.5 % 18.1 % Total stockholders' equity to total assets 19.0 % 19.0 % 17.1 % (0.1) % (0.4) % 1.9 % 10.9 % Tangible common equity to tangible assets (non-GAAP)1 17.6 % 17.6 % 15.6 % (0.1) % (0.4) % 2.0 % 12.8 % Risk-weighted assets $ 12,737 $ 12,633 $ 12,212 $ 104 0.8 % $ 525 4.3 % Book value per share $ 16.04 $ 16.14 $ 14.88 $ (0.10) (0.6) % $ 1.15 7.7 % Tangible book value per share (non-GAAP)1 $ 14.58 $ 14.68 $ 13.29 $ (0.10) (0.7) % $ 1.29 9.7 % Closing stock price per share $ 31.25 $ 30.38 NA $ 0.87 2.9 % NA NA Bank-Level Ratios Tier 1 capital ratio 13.4 % 12.7 % 13.6 % 0.7 % 5.9 % (0.1) % (1.0) % Total risk-based capital ratio 14.6 % 13.9 % 14.8 % 0.7 % 5.3 % (0.2) % (1.2) % Tier 1 leverage ratio 8.5 % 7.9 % 8.8 % 0.5 % 6.5 % (0.3) % (3.5) % Common equity Tier 1 ratio 13.4 % 12.7 % 13.6 % 0.7 % 5.9 % (0.1) % (1.0) % 1 These are non-GAAP financial measures management believes are helpful to understanding trends in our business that may not be fully apparent based only on the most comparable GAAP financial measures. Further information on these financial measures and reconciliations to the most comparable GAAP financial measures are provided at the end of this release. 2 Annualized for all partial-year periods. 3 Fully-tax equivalent basis. Central Bancompany, Inc. and Subsidiaries Quarterly Summary of Financial Results (unaudited) Q3 Q2 Q3 Q vs PQ Q vs PYQ FY26 FY26 FY25 $VAR %VAR $VAR %VAR 7
Asset Quality Allowance for credit losses / loans held for investment 1.29 % 1.29 % 1.32 % — % (0.1) % (0.03) % (2.5) % Allowance for credit losses $ 150,888 $ 150,417 $ 149,459 $ 471 0.3 % $ 1,429 1.0 % Allowance for unfunded loan commitments $ 376 $ 360 $ 384 $ 16 4.4 % $ (8) (2.1) % Allowance for investment securities $ 12 $ 12 $ 16 $ — — % $ (4) (25.0) % Nonperforming loans / loans held for investment 0.54 % 0.49 % 0.45 % 0.05 % 9.6 % 0.09 % 19.6 % Nonperforming loans $ 62,901 $ 57,152 $ 50,774 $ 5,749 10.1 % $ 12,127 23.9 % Nonperforming commercial loans $ 32,755 $ 28,431 $ 18,265 $ 4,324 15.2 % $ 14,490 79.3 % Nonperforming consumer loans $ 30,146 $ 28,721 $ 32,509 $ 1,425 5.0 % $ (2,363) (7.3) % Nonperforming assets / total assets 0.33 % 0.30 % 0.30 % 0.03 % 9.9 % 0.03 % 9.0 % Nonperforming assets $ 65,987 $ 60,242 $ 57,416 $ 5,745 9.5 % $ 8,571 14.9 % Net charge-offs / average loans 0.12 % 0.10 % 0.12 % 0.02 % 15.6 % — % 0.1 % Net charge-offs $ 3,551 $ 3,015 $ 3,450 $ 536 17.8 % $ 101 2.9 % Commercial net charge-offs $ 1,232 $ 341 $ 1,275 $ 891 261.3 % $ (43) (3.4) % Consumer net charge-offs $ 2,319 $ 2,674 $ 2,175 $ (355) (13.3) % $ 144 6.6 % Central Bancompany, Inc. and Subsidiaries Quarterly Summary of Financial Results (unaudited) Q3 Q2 Q3 Q vs PQ Q vs PYQ FY26 FY26 FY25 $VAR %VAR $VAR %VAR Central Bancompany, Inc. and Subsidiaries Quarterly Average Consolidated Balance Sheets (unaudited) Q3 Q2 Q3 Q vs PQ Q vs PYQ FY26 FY26 FY25 $VAR %VAR $VAR %VAR (dollars in thousands) Average Assets Cash and due from banks $ 166,391 $ 184,908 $ 183,429 $ (18,517) (10.0) % $ (17,038) (9.3) % Short-term earning assets 667,705 763,811 630,929 (96,106) (12.6) % 36,776 5.8 % Investment securities 7,023,071 7,033,039 6,087,403 (9,968) (0.1) % 935,668 15.4 % Loans held for investment 11,673,389 11,581,901 11,345,544 91,488 0.8 % 327,845 2.9 % Less allowance for credit losses (150,296) (149,888) (149,072) (408) 0.3 % (1,224) 0.8 % Net loans 11,523,093 11,432,013 11,196,472 91,080 0.8 % 326,621 2.9 % Loans held for sale 22,057 25,859 28,884 (3,802) (14.7) % (6,827) (23.6) % Land, buildings, and equipment, net 224,511 222,755 215,218 1,756 0.8 % 9,293 4.3 % Goodwill and intangibles 349,823 350,576 352,996 (753) (0.2) % (3,173) (0.9) % Other assets 374,543 320,978 389,106 53,565 16.7 % (14,563) (3.7) % Total assets $ 20,351,194 $ 20,333,939 $ 19,084,437 $ 17,255 0.1 % $ 1,266,757 6.6 % Average Liabilities Noninterest-bearing demand $ 5,561,447 $ 5,502,016 $ 5,237,939 $ 59,431 1.1 % $ 323,508 6.2 % Savings and interest-bearing demand 8,294,977 8,278,684 7,788,117 16,293 0.2 % 506,860 6.5 % Time 1,520,090 1,573,476 1,709,401 (53,386) (3.4) % (189,311) (11.1) % Total deposits 15,376,514 15,354,176 14,735,457 22,338 0.1 % 641,057 4.4 % Federal funds purchased and customer repurchase agreements 944,435 1,006,357 957,951 (61,922) (6.2) % (13,516) (1.4) % Total customer funds 16,320,949 16,360,533 15,693,408 (39,584) (0.2) % 627,541 4.0 % Other liabilities 141,354 125,999 152,491 15,355 12.2 % (11,137) (7.3) % Total liabilities 16,462,303 16,486,532 15,845,899 (24,229) (0.1) % 616,404 3.9 % Average Stockholders' Equity Common equity 4,131,758 4,044,552 3,393,916 87,206 2.2 % 737,842 21.7 % Accumulated other comprehensive loss (104,101) (63,886) (56,220) (40,215) 62.9 % (47,881) 85.2 % Treasury stock (138,766) (133,259) (99,158) (5,507) 4.1 % (39,608) 39.9 % Total stockholders' equity 3,888,891 3,847,407 3,238,538 41,484 1.1 % 650,353 20.1 % Total liabilities and stockholders' equity $ 20,351,194 $ 20,333,939 $ 19,084,437 $ 17,255 0.1 % $ 1,266,757 6.6 % Average interest-earning assets $ 19,386,222 $ 19,404,610 $ 18,092,760 $ (18,388) (0.1) % $ 1,293,462 7.1 % Average interest-bearing liabilities 10,759,502 10,858,517 10,455,469 (99,015) (0.9) % 304,033 2.9 % Average interest-free funds 8,626,720 8,546,093 7,637,291 80,627 0.9 % 989,429 13.0 % 8
Central Bancompany, Inc. and Subsidiaries Fiscal Year To Date Consolidated Statements of Income (unaudited) YTD YTD YTD YoY FY26 FY25 $VAR %VAR (dollars in thousands, except per common share data) Interest income: Loans $ 540,717 $ 533,416 $ 7,301 1.4 % Investment securities 217,475 172,675 44,800 25.9 % Short-term earning assets 27,392 28,572 (1,180) (4.1) % Total interest income 785,584 734,663 50,921 6.9 % Interest expense: Deposits 128,590 132,066 (3,476) (2.6) % Federal funds purchased and customer repurchase agreements 16,737 19,396 (2,659) (13.7) % Total interest expense 145,327 151,462 (6,135) (4.1) % Net interest income 640,257 583,201 57,056 9.8 % Provision for credit losses 10,719 6,295 4,424 70.3 % Noninterest income: Wealth management services 69,099 58,737 10,362 17.6 % Payment services revenue 52,426 50,507 1,919 3.8 % Service charges and commissions 44,643 43,077 1,566 3.6 % Mortgage banking revenues, net 28,976 30,163 (1,187) (3.9) % Investment securities gains (losses), net 845 (6,811) 7,656 (112.4) % Other income (loss) 5,453 (9,748) 15,201 (155.9) % Total noninterest income 201,442 165,925 35,517 21.4 % Adjustments: Investment securities gains (losses), net 845 (6,811) 7,656 (112.4) % (Loss) on sale of consumer lease portfolio - (13,612) 13,612 (100.0) % Total adjusted noninterest income 1 200,597 186,348 14,249 7.6 % Noninterest expenses: Salaries and employee benefits 236,080 221,281 14,799 6.7 % Net occupancy and equipment 37,046 36,259 787 2.2 % Computer software and maintenance 17,159 17,316 (157) (0.9) % Marketing and business development 14,767 15,194 (427) (2.8) % Legal and professional fees 16,909 16,480 429 2.6 % Bankcard processing, rewards and related cost 24,391 23,153 1,238 5.3 % Other expenses 42,597 46,294 (3,697) (8.0) % Total noninterest expenses 388,949 375,977 12,972 3.5 % Income before income taxes 442,031 366,854 75,177 20.5 % Income taxes 100,929 83,593 17,336 20.7 % Net income $ 341,102 $ 283,261 $ 57,841 20.4 % Adjustments: Investment securities gains (losses), net of taxes 644 (5,187) 5,831 (112.4) % (Loss) on expected sale of consumer lease portfolio, net of taxes - (6,563) 6,563 (100.0) % Adjusted net income 1 $ 340,458 $ 295,011 $ 45,447 15.4 % End of period shares 239,382 220,665 18,717 8.5 % Weighted average fully diluted shares 240,004 220,013 19,991 9.1 % Net income per common share - diluted $ 1.42 $ 1.28 $ 0.14 10.5 % Adjusted net income 1 per common share - diluted $ 1.42 $ 1.34 $ 0.08 5.9 % Dividends / share $ 0.36 $ 0.97 $ (0.61) (62.7) % 1 These are non-GAAP financial measures management believes are helpful to understanding trends in our business that may not be fully apparent based only on the most comparable GAAP financial measures. Further information on these financial measures and reconciliations to the most comparable GAAP financial measures are provided at the end of this release. 9
Financial Ratios (GAAP) Net interest margin 4.40 % 4.27 % 0.13 % 3.0 % Return on average total assets 2 2.24 % 1.97 % 0.26 % 13.2 % Return on average common equity 2 11.8 % 11.8 % — % 0.1 % Fee income ratio 23.9 % 22.1 % 1.8 % 8.1 % Efficiency ratio 46.2 % 50.2 % (4.0) % (7.9) % Effective tax rate 22.8 % 22.8 % — % 0.2 % Financial Ratios (Non-GAAP) 1 Net interest margin (FTE)2, 3 4.43 % 4.31 % 0.13 % 3.0 % Adjusted return on average total assets 2 2.23 % 2.06 % 0.17 % 8.5 % Adjusted return on average common equity 2 11.8 % 12.3 % (0.5) % (4.1) % Return on average tangible common equity 2 13.1 % 13.4 % (0.3) % (2.2) % Adjusted return on average tangible common equity 2 13.1 % 13.9 % (0.9) % (6.3) % Adjusted fee income ratio 23.9 % 24.2 % (0.4) % (1.5) % Efficiency ratio (FTE)3 45.7 % 48.3 % (2.5) % (5.2) % Net Interest Margin & Yields Interest-earning cash yield 3 3.87 % 4.65 % (0.77) % (16.7) % Investment securities yield 3 4.26 % 3.93 % 0.32 % 8.3 % Loan yield 3 6.26 % 6.24 % 0.02 % 0.4 % Cost of deposits 1.12 % 1.19 % (0.08) % (6.5) % Cost of funds 1.18 % 1.28 % (0.10) % (7.6) % Loan to deposit ratio 76.7 % 76.7 % — % — % Interest-free funds ratio 44.0 % 41.7 % 2.3 % 5.5 % Interest-earning asset yield 3 5.43 % 5.42 % 0.02 % 0.3 % Cost of total interest-bearing liabilities 1.78 % 1.90 % (0.12) % (6.4) % Net interest spread 3.65 % 3.51 % 0.14 % 3.9 % Benefit of interest-free funds 0.78 % 0.79 % (0.01) % (1.2) % Asset Quality Allowance for credit losses / loans held for investment 1.29 % 1.32 % (0.03) % (2.5) % Allowance for credit losses $ 150,888 $ 149,459 $ 1,429 1.0 % Allowance for unfunded loan commitments $ 376 $ 384 $ (8) (2.1) % Allowance for investment securities $ 12 $ 16 $ (4) (25.0) % Nonperforming loans / loans held for investment 0.54 % 0.45 % 0.09 % 19.6 % Nonperforming loans $ 62,901 $ 50,774 $ 12,127 23.9 % Nonperforming commercial loans $ 32,755 $ 18,265 $ 14,490 79.3 % Nonperforming consumer loans $ 30,146 $ 32,509 $ (2,363) (7.3) % Nonperforming assets / total assets 0.33 % 0.30 % 0.03 % 9.0 % Nonperforming assets $ 65,987 $ 57,416 $ 8,571 14.9 % Net charge-offs / average loans 0.11 % 0.13 % (0.02) % (16.4) % Net charge-offs $ 9,476 $ 11,219 $ (1,743) (15.5) % Commercial net charge-offs $ 1,890 $ 3,852 $ (1,961) (50.9) % Consumer net charge-offs $ 7,586 $ 7,368 $ 218 3.0 % 1 These are non-GAAP financial measures management believes are helpful to understanding trends in our business that may not be fully apparent based only on the most comparable GAAP financial measures. Further information on these financial measures and reconciliations to the most comparable GAAP financial measures are provided at the end of this release. 2 Annualized for all partial-year periods. 3 Fully-tax equivalent basis. Central Bancompany, Inc. and Subsidiaries Fiscal Year To Date Summary of Financial Results (unaudited) YTD YTD YTD YoY FY26 FY25 $VAR %VAR (dollars in thousands, except per common share data and other information) 10
Central Bancompany, Inc. and Subsidiaries Fiscal Year To Date Average Consolidated Balance Sheets (unaudited) YTD YTD YTD YoY FY26 FY25 $VAR %VAR (dollars in thousands) Average Assets Cash and due from banks $ 178,741 $ 190,534 $ (11,793) (6.2) % Short-term earning assets 984,373 855,455 128,918 15.1 % Investment securities 6,875,176 5,912,042 963,134 16.3 % Loans held for investment 11,575,686 11,455,571 120,115 1.0 % Less allowance for credit losses (149,913) (151,866) 1,953 (1.3) % Net loans 11,425,773 11,303,705 122,068 1.1 % Loans held for sale 23,396 25,208 (1,812) (7.2) % Land, buildings, and equipment, net 221,657 215,476 6,181 2.9 % Goodwill and intangibles 350,587 353,798 (3,211) (0.9) % Other assets 339,245 320,440 18,805 5.9 % Total assets $ 20,398,948 $ 19,176,658 $ 1,222,290 6.4 % Average Liabilities Noninterest-bearing demand $ 5,525,577 $ 5,179,927 $ 345,650 6.7 % Savings and interest-bearing demand 8,318,101 7,925,388 392,713 5.0 % Time 1,574,523 1,696,202 (121,679) (7.2) % Total deposits 15,418,201 14,801,517 616,684 4.2 % Federal funds purchased and customer repurchase agreements 1,007,351 1,017,139 (9,788) (1.0) % Total customer funds 16,425,552 15,818,656 606,896 3.8 % Other liabilities 117,885 153,088 (35,203) (23.0) % Total liabilities 16,543,437 15,971,744 571,693 3.6 % Average Stockholders' Equity Common equity 4,045,313 3,393,949 651,364 19.2 % Accumulated other comprehensive loss (64,572) (89,886) 25,314 (28.2) % Treasury stock (125,230) (99,149) (26,081) 26.3 % Total stockholders' equity 3,855,511 3,204,914 650,597 20.3 % Total liabilities and stockholders' equity $ 20,398,948 $ 19,176,658 $ 1,222,290 6.4 % Average interest-earning assets $ 19,458,631 $ 18,248,276 $ 1,210,355 6.6 % Average interest-bearing liabilities 10,899,975 10,638,729 261,246 2.5 % Average interest-free funds 8,558,656 7,609,547 949,109 12.5 % Non-GAAP Financial Measures Reconciliations In this release, we provide information about certain non-GAAP financial measures. This information supplements the results that are reported according to generally accepted accounting principles in the United States (GAAP) and should not be viewed in isolation from, or as a substitute for, GAAP results. We are presenting these non-GAAP financial measures because we believe, when taken collectively, they may be helpful to investors because they provide consistency and comparability with past financial performance by excluding certain items that may not be indicative of our business, results of operations or outlook. The non-GAAP measures as defined by the Company may not be comparable to similar non-GAAP measures presented by other companies. We disclose net interest income and related ratios and analysis on a fully taxable-equivalent (“FTE”) basis, which may be considered non-GAAP financial measures. We believe this presentation to be the preferred industry measurement of net interest income as it provides a relevant comparison of net interest income arising from taxable and tax-exempt sources. In addition, certain performance measures, including the efficiency ratio and net interest margin utilize net interest income on a taxable-equivalent basis. We evaluate our profitability and performance based on adjusted net income, adjusted total revenue, adjusted noninterest income, adjusted fee income, adjusted fee income ratio and adjusted return on average total assets. We adjust each of these measures to exclude the loss on the expected sale of the consumer loan portfolio in one of our markets and adjustments that resulted from certain investment portfolio repositioning activities during the periods presented that we consider to be outside of the ordinary course of business. We believe this allows investors to assess our net income, total revenue and noninterest income exclusive of the impact of changes outside the ordinary course of business. Similarly, we evaluate our operational efficiency based on tangible noninterest expense and our adjusted efficiency ratio, which excludes the effect of amortization of intangibles (a non-cash expense item) as well as the exclusions mentioned previously in this paragraph, and includes the tax benefit associated with our tax-advantaged loans. 11
We evaluate our financial condition based on the ratios of our tangible common equity to our tangible assets, tangible book value per share, core tangible book value per share, return and adjusted return on average common equity, and return and adjusted return on average tangible common equity. Our calculation of these ratios allows readers to assess our stockholders’ equity, exclusive of the effect of our goodwill and other intangible assets. Reconciliations for each of these non-GAAP financial measures to the closest GAAP financial measures are included in the tables below. Each of the non-GAAP financial measures presented should be considered in context with our GAAP financial results included in this release. Interest income (FTE), net interest income (FTE) and net interest margin (FTE) Interest income $ 267,106 $ 260,424 $ 248,775 $ 6,682 2.6 % $ 18,331 7.4 % Add: Tax-equivalent adjustment ¹ 1,619 1,580 1,436 39 2.5 % 183 12.7 % Interest income (FTE) (non-GAAP) $ 268,725 $ 262,004 $ 250,211 $ 6,721 2.6 % $ 18,514 7.4 % Net interest income {a} $ 218,856 $ 212,784 $ 198,872 $ 6,072 2.9 % $ 19,984 10.0 % Add: Tax-equivalent adjustment ¹ 1,619 1,580 1,436 39 2.5 % 183 12.7 % Net interest income (FTE) (non-GAAP) {b} $ 220,475 $ 214,364 $ 200,308 $ 6,111 2.9 % $ 20,167 10.1 % Average interest-earning assets {c} $ 19,386,222 $ 19,404,610 $ 18,092,760 $ (18,388) (0.1) % $ 1,293,462 7.1 % Net interest margin ² {a ÷ c} 4.48 % 4.40 % 4.36 % 0.08 % 1.8 % 0.12 % 2.7 % Net interest margin (FTE) (non-GAAP) ² {b ÷ c} 4.51 % 4.43 % 4.39 % 0.08 % 1.8 % 0.12 % 2.7 % ¹ Effective marginal tax rate of 23.84% used for all periods. ² Ratios for the quarters are presented on an annualized basis. Central Bancompany, Inc. and Subsidiaries Quarterly Reconciliation of non-GAAP Measures (unaudited) Q3 Q2 Q3 Q vs PQ Q vs PYQ FY26 FY26 FY25 $VAR %VAR $VAR %VAR (dollars in thousands, except share and per share data) 12
Adjusted noninterest income, adjusted total revenue and adjusted fee income ratio Noninterest income {a} $ 66,800 $ 69,555 $ 57,070 $ (2,755) (4.0) % $ 9,730 17.0 % Less: Investment securities (losses) gains, net 229 616 (6,920) (387) (62.8) % 7,149 (103.3) % Adjusted noninterest income (non-GAAP) {b} $ 66,571 $ 68,939 $ 63,990 (2,368) (3.4) % 2,581 4.0 % Net interest income $ 218,856 $ 212,784 $ 198,872 6,072 2.9 % 19,984 10.0 % Noninterest income 66,800 69,555 57,070 (2,755) (4.0) % 9,730 17.0 % Total revenue {c} 285,656 282,339 255,942 3,317 1.2 % 29,714 11.6 % Less: Investment securities (losses) gains, net 229 616 (6,920) (387) (62.8) % 7,149 (103.3) % Adjusted total revenue (non-GAAP) {d} $ 285,427 $ 281,723 $ 262,862 $ 3,704 1.3 % $ 22,565 8.6 % Fee income ratio {a ÷ c} 23.4 % 24.6 % 22.3 % (1.3) % (5.1) % 1.1 % 4.9 % Adjusted fee income ratio (non-GAAP) {b ÷ d} 23.3 % 24.5 % 24.3 % (1.1) % (4.7) % (1.0) % (4.2) % Tangible noninterest expense, adjusted total revenue (FTE) and efficiency ratio (FTE) Net interest income $ 218,856 $ 212,784 $ 198,872 $ 6,072 2.9 % $ 19,984 10.0 % Noninterest income 66,800 69,555 57,070 (2,755) (4.0) % 9,730 17.0 % Total revenue {a} 285,656 282,339 255,942 3,317 1.2 % 29,714 11.6 % Less: Investment securities (losses) gains, net 229 616 (6,920) (387) (62.8) % 7,149 — % Add: Tax equivalent adjustment ¹ 1,619 1,580 1,436 39 2.5 % 183 12.7 % Adjusted total revenue (FTE) (non-GAAP) {b} $ 287,046 $ 283,303 $ 264,298 $ 3,743 1.3 % $ 22,748 8.6 % Noninterest expense {c} $ 130,979 $ 131,354 $ 126,945 $ (375) (0.3) % $ 4,034 3.2 % Less: Amortization of intangible assets 559 804 807 (245) (30.5) % (248) (30.7) % Tangible noninterest expense (non-GAAP) {d} $ 130,420 $ 130,550 $ 126,138 $ (130) (0.1) % $ 4,282 3.4 % Efficiency ratio {c ÷ a} 45.9 % 46.5 % 49.6 % (0.7) % (1.4) % (3.7) % (7.6) % Efficiency ratio (FTE) (non-GAAP) {d ÷ b} 45.4 % 46.1 % 47.7 % (0.6) % (1.4) % (2.3) % (4.8) % Adjusted net income and adjusted return on average total assets Net income {a} $ 116,242 $ 113,773 $ 97,098 $ 2,470 2.2 % $ 19,144 19.7 % Add: Investment securities (losses) gains, net of taxes ¹ (175) (469) 5,270 294 (62.7) % (5,445) (103.3) % Adjusted net income (non-GAAP) {b} $ 116,067 $ 113,304 $ 102,368 $ 2,764 2.4 % $ 13,699 13.4 % Average total assets {c} $ 20,351,194 $ 20,333,939 $ 19,084,437 $ 17,255 0.1 % $ 1,266,757 6.6 % Return on average total assets 2 {a ÷ c} 2.27 % 2.24 % 2.02 % 0.02 % 1.0 % 0.25 % 12.3 % Adjusted return on average total assets (non- GAAP) 2 {b ÷ c} 2.26 % 2.23 % 2.13 % 0.03 % 1.2 % 0.13 % 6.3 % ¹ Effective marginal tax rate of 23.84% used for all periods. 2 Ratios for the quarters are presented on an annualized basis. Central Bancompany, Inc. and Subsidiaries Quarterly Reconciliation of non-GAAP Measures (unaudited) Q3 Q2 Q3 Q vs PQ Q vs PYQ FY26 FY26 FY25 $VAR %VAR $VAR %VAR (dollars in thousands, except share and per share data) 13
Tangible common equity, tangible book value per share and tangible common equity to tangible assets Total stockholders' equity {a} $ 3,838,726 $ 3,865,761 $ 3,284,414 $ (27,035) (0.7) % $ 554,312 16.9 % Less: Goodwill and other intangible assets 349,495 350,055 352,470 (560) (0.2) % (2,975) (0.8) % Tangible common equity (non-GAAP) {b} $ 3,489,231 $ 3,515,706 $ 2,931,944 $ (26,475) (0.8) % $ 557,287 19.0 % Total shares of Class A common stock outstanding {c} 239,382 239,505 220,665 (123) (0.1) % 18,717 8.5 % Book value per share {a ÷ c} $ 16.04 $ 16.14 $ 14.88 $ (0.10) (0.6) % $ 1.15 7.7 % Tangible book value per share (non-GAAP) {b ÷ c} $ 14.58 $ 14.68 $ 13.29 $ (0.10) (0.7) % $ 1.29 9.7 % Total assets {d} $ 20,225,657 $ 20,294,827 $ 19,183,605 $ (69,170) (0.3) % $ 1,042,052 5.4 % Less: Goodwill and other intangible assets 349,495 350,055 352,470 (560) (0.2) % (2,975) (0.8) % Tangible assets (non-GAAP) {e} $ 19,876,162 $ 19,944,772 $ 18,831,135 $ (68,610) (0.3) % $ 1,045,027 5.5 % Total stockholders' equity to total assets {a ÷ d} 19.0 % 19.0 % 17.1 % (0.1) % (0.4) % 1.9 % 10.9 % Tangible common equity to tangible assets (non-GAAP) {b ÷ e} 17.6 % 17.6 % 15.6 % (0.1) % (0.4) % 2.0 % 12.8 % Tangible net income, adjusted tangible net income, average tangible common equity, adjusted return on average common equity, return on average tangible common equity and adjusted return on average tangible common equity Net income {a} $ 116,242 $ 113,773 $ 97,098 $ 2,470 2.2 % $ 19,144 19.7 % Add: Amortization of intangible assets, net of taxes ¹ 426 612 615 (187) (30.5) % (189) (30.7) % Tangible net income (non-GAAP) 116,668 114,385 97,713 2,283 2.0 % 18,955 19.4 % Add: Investment securities (losses) gains, net of taxes ¹ (175) (469) 5,270 294 (62.7) % (5,445) (103.3) % Adjusted tangible net income (non-GAAP) {b} $ 116,493 $ 113,916 $ 102,983 $ 2,577 2.3 % $ 13,510 13.1 % Average common equity {c} $ 3,888,891 $ 3,847,407 $ 3,238,538 $ 41,484 1.1 % $ 650,353 20.1 % Less: Average goodwill and other intangible assets 349,823 350,576 352,996 (753) (0.2) % (3,173) (0.9) % Average tangible common equity (non-GAAP) {d} $ 3,539,068 $ 3,496,831 $ 2,885,542 $ 42,237 1.2 % $ 653,526 22.6 % Return on average common equity 2 {a ÷ c} 11.9 % 11.9 % 11.9 % — % — % — % (0.3) % Adjusted return on average common equity (non-GAAP) 2 {b ÷ c} 11.8 % 11.8 % 12.5 % — % 0.2 % (0.7) % (5.6) % Return on average tangible common equity (non-GAAP) 2 {a ÷ d} 13.1 % 13.1 % 13.4 % — % (0.3) % (0.4) % (2.6) % Adjusted return on average tangible common equity (non-GAAP) 2 {b ÷ d} 13.1 % 13.1 % 14.2 % — % (0.1) % (1.1) % (7.8) % ¹ Effective marginal tax rate of 23.84% used for all periods. 2 Ratios for the quarters are presented on an annualized basis. Central Bancompany, Inc. and Subsidiaries Quarterly Reconciliation of non-GAAP Measures (unaudited) Q3 Q2 Q3 Q vs PQ Q vs PYQ FY26 FY26 FY25 $VAR %VAR $VAR %VAR (dollars in thousands, except share and per share data) 14
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 $3,798,326 $3,783,977 $3,284,414 Less: Goodwill and other intangible assets 349,495 350,055 350,859 351,664 352,470 Tangible common equity (non-GAAP) {b} $3,489,231 $3,515,706 $3,447,467 $3,432,313 $2,931,944 Total shares of Class A common stock outstanding {c} 239,382 239,505 239,787 241,106 220,665 Book value per share {a ÷ c} $ 16.04 $ 16.14 $ 15.84 $ 15.69 $ 14.88 Tangible book value per share (non-GAAP) {b ÷ c} $ 14.58 $ 14.68 $ 14.38 $ 14.24 $ 13.29 Target common equity tier 1 ratio {d} 13.5 % 13.5 % 13.5 % 13.5 % 13.5 % Risk-weighted assets {e} $12,736,855 $12,632,810 $12,369,850 $12,403,247 $12,211,732 Target common equity tier 1 capital (non- GAAP) {f} = {d * e} $1,719,475 $1,705,429 $1,669,930 $1,674,438 $1,648,584 Actual common equity tier 1 capital {h} $3,701,132 $3,615,670 $3,535,765 $3,483,247 $3,004,815 Excess common equity tier 1 capital (non- GAAP) {i} = {h - f} $1,981,657 $1,910,241 $1,865,835 $1,808,809 $1,356,231 Excess tangible book value per share (non- GAAP) {i ÷ c} $ 8.28 $ 7.98 $ 7.78 $ 7.50 $ 6.15 Tangible book value per share (non-GAAP) {b ÷ c} $ 14.58 $ 14.68 $ 14.38 $ 14.24 $ 13.29 Less: Excess tangible book value per share (non- GAAP) {i ÷ c} $ 8.28 $ 7.98 $ 7.78 $ 7.50 $ 6.15 Core tangible book value per share (non- GAAP) $ 6.30 $ 6.70 $ 6.60 $ 6.73 $ 7.14 15
Interest income (FTE), net interest income (FTE) and net interest margin (FTE) Interest income $ 785,584 $ 734,663 $ 50,921 6.9 % Add: Tax-equivalent adjustment ¹ 5,002 4,560 442 9.7 % Interest income (FTE) (non-GAAP) $ 790,586 $ 739,223 $ 51,363 6.9 % Net interest income {a} $ 640,257 $ 583,201 $ 57,056 9.8 % Add: Tax-equivalent adjustment ¹ 5,002 4,560 442 9.7 % Net interest income (FTE) (non-GAAP) {b} $ 645,259 $ 587,761 $ 57,498 9.8 % Average interest-earning assets {c} $ 19,458,631 $ 18,248,276 $ 1,210,355 6.6 % Net interest margin ² {a ÷ c} 4.40 % 4.27 % 0.13 % 3.0 % Net interest margin (FTE) (non-GAAP) ² {b ÷ c} 4.43 % 4.31 % 0.13 % 3.0 % Adjusted noninterest income, adjusted total revenue and adjusted fee income ratio Noninterest income {a} $ 201,442 $ 165,925 $ 35,517 21.4 % Less: Loss on sale of consumer lease portfolio — (13,612) 13,612 (100.0) % Less: Investment securities (losses), net 845 (6,811) 7,656 (112.4) % Adjusted noninterest income (non-GAAP) {b} $ 200,597 $ 186,348 14,249 7.6 % Net interest income $ 640,257 $ 583,201 57,056 9.8 % Noninterest income 201,442 165,925 35,517 21.4 % Total revenue {c} 841,699 749,126 92,573 12.4 % Less: Loss on sale of consumer lease portfolio — (13,612) 13,612 (100.0) % Less: Investment securities (losses), net 845 (6,811) 7,656 (112.4) % Adjusted total revenue (non-GAAP) {d} $ 840,854 $ 769,549 $ 71,305 9.3 % Fee income ratio {a ÷ c} 23.9 % 22.1 % 1.8 % 8.1 % Adjusted fee income ratio (non-GAAP) {b ÷ d} 23.9 % 24.2 % (0.4) % (1.5) % Tangible noninterest expense, adjusted total revenue (FTE) and efficiency ratio (FTE) Net interest income $ 640,257 $ 583,201 $ 57,056 9.8 % Noninterest income 201,442 165,925 35,517 21.4 % Total revenue {a} 841,699 749,126 92,573 12.4 % Less: Loss on sale of consumer lease portfolio — (13,612) 13,612 (100.0) % Less: Investment securities (losses), net 845 (6,811) 7,656 (112.4) % Add: Tax equivalent adjustment ¹ 5,002 4,560 442 9.7 % Adjusted total revenue (FTE) (non-GAAP) {b} $ 845,856 $ 774,109 $ 71,747 9.3 % Noninterest expense {c} $ 388,949 $ 375,977 $ 12,972 3.5 % Less: Amortization of intangible assets 2,168 2,420 (252) (10.4) % Tangible noninterest expense (non-GAAP) {d} $ 386,781 $ 373,557 $ 13,224 3.5 % Efficiency ratio {c ÷ a} 46.2 % 50.2 % (4.0) % (7.9) % Efficiency ratio (FTE) (non-GAAP) {d ÷ b} 45.7 % 48.3 % (2.5) % (5.2) % Adjusted net income and adjusted return on average total assets Net income {a} $ 341,102 $ 283,261 $ 57,841 20.4 % Add: Loss on sale of consumer lease portfolio, net of provision and taxes 1, 3 — 6,563 (6,563) (100.0) % Add: Investment securities (losses), net of taxes ¹ (644) 5,187 (5,831) (112.4) % Adjusted net income (non-GAAP) {b} $ 340,458 $ 295,011 $ 45,447 15.4 % Average total assets {c} $ 20,398,948 $ 19,176,658 $ 1,222,290 6.4 % Return on average total assets 2 {a ÷ c} 2.24 % 1.97 % 0.26 % 13.2 % Adjusted return on average total assets (non-GAAP) 2 {b ÷ c} 2.23 % 2.06 % 0.17 % 8.5 % ¹ Effective marginal tax rate of 23.84% used for all periods. 2 Ratios for the year-to-date are presented on an annualized basis. 3 The second quarter of FY25 includes a $13.6 million loss on the expected sale of the consumer lease portfolio recognized in other noninterest income and a $5.0 million release of provision, which resulted in a net pre-tax loss of $8.6 million. Net of taxes, at a tax rate of 23.84%, the total impact to net income was $6.6 million. Central Bancompany, Inc. and Subsidiaries Fiscal Year To Date Reconciliation of non-GAAP Measures (unaudited) YTD YTD YTD YoY FY26 FY25 $VAR %VAR (dollars in thousands, except share and per share data) 16
Tangible net income, adjusted tangible net income, average tangible common equity, adjusted return on average common equity, return on average tangible common equity and adjusted return on average tangible common equity Net income {a} $ 341,102 $ 283,261 $ 57,841 20.4 % Add: Amortization of intangible assets, net of taxes ¹ 1,651 1,843 (192) (10.4) % Tangible net income (non-GAAP) 342,753 285,104 57,649 20.2 % Add: Loss on sale of consumer lease portfolio, net of provision and taxes 1, 3 — 6,563 (6,563) (100.0) % Add: Investment securities (losses), net of taxes ¹ (644) 5,187 (5,831) (112.4) % Adjusted tangible net income (non-GAAP) {b} $ 342,109 $ 296,854 $ 45,255 15.2 % Average common equity {c} $ 3,855,511 $ 3,204,914 $ 650,597 20.3 % Less: Average goodwill and other intangible assets 350,587 353,798 (3,211) (0.9) % Average tangible common equity (non-GAAP) {d} $ 3,504,924 $ 2,851,116 $ 653,808 22.9 % Return on average common equity 2 {a ÷ c} 11.8 % 11.8 % — % 0.1 % Adjusted return on average common equity (non-GAAP) 2 {b ÷ c} 11.8 % 12.3 % (0.5) % (4.1) % Return on average tangible common equity (non-GAAP) 2 {a ÷ d} 13.1 % 13.4 % (0.3) % (2.2) % Adjusted return on average tangible common equity (non-GAAP) 2 {b ÷ d} 13.1 % 13.9 % (0.9) % (6.3) % ¹ Effective marginal tax rate of 23.84% used for all periods. 2 Ratios for the year-to-date are presented on an annualized basis. 3 The second quarter of FY25 includes a $13.6 million loss on the expected sale of the consumer lease portfolio recognized in other noninterest income and a $5.0 million release of provision, which resulted in a net pre-tax loss of $8.6 million. Net of taxes, at a tax rate of 23.84%, the total impact to net income was $6.6 million. Central Bancompany, Inc. and Subsidiaries Fiscal Year To Date Reconciliation of non-GAAP Measures (unaudited) YTD YTD YTD YoY FY26 FY25 $VAR %VAR (dollars in thousands, except share and per share data) 17
3rd Quarter 2026 Financial Review CENTRAL BANCOMPANY October | 2026 Exhibit 99.2
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 subject to numerous uncertainties and factors relating to our operations and business, all of which are difficult to predict and many of which are beyond our control. Forward- looking statements include information concerning our possible or assumed future results of operations, including descriptions of our business strategy. These forward-looking statements are generally identified by the use of forward-looking terminology, including the terms “anticipate,” “believe,” “could,” “estimate,” “expect,” “intend,” “may,” “plan,” “potential,” “predict,” “project,” “should,” “target,” “will,” “would” and, in each case, their negative or other variations or comparable terminology and expressions. All statements other than statements of historical facts contained in this presentation are forward-looking statements. We have based the forward-looking statements contained herein on our current expectations and projections about future events and trends that we believe may affect our business, financial condition, results of operations and prospects. The outcome of the events described in these forward-looking statements is subject to risks, uncertainties and other factors described in “Cautionary Note Regarding Forward-Looking Statements,” Part I Item 1A - "Risk Factors" and Part II Item 7 - "Management's Discussion and Analysis of Financial Condition and Results of Operations" in the Company's 2025 Annual Report on Form 10-K. Moreover, we operate in a very competitive and rapidly changing environment. New risks and uncertainties emerge from time to time, and it is not possible for us to predict all risks and uncertainties that could have an impact on the forward-looking statements. The forward-looking statements relate only to events as of the date on which the statements are made. Our statements should not be read to indicate that we have conducted an exhaustive inquiry into, or review of, all potentially available relevant information. These forward-looking statements are not guarantees of future performance and involve certain risks, uncertainties, and assumptions which are difficult to predict with regard to timing, extent, likelihood and degree of occurrence. Therefore, actual results and outcomes may materially differ from what is expected, implied or forecasted in such forward-looking statements. These forward-looking statements are inherently uncertain and you are cautioned not to unduly rely upon these statements. We undertake no obligation to update any forward-looking statements made in this presentation to reflect events or circumstances after the date of this presentation or to reflect new information or the occurrence of unanticipated events, except as required by law. This presentation includes certain non-GAAP financial measures. This information supplements the results that are reported according to generally accepted accounting principles in the United States (“GAAP”) and should not be viewed in isolation from, or as a substitute for, GAAP results. The differences between the non-GAAP financial measures and the nearest comparable GAAP financial measures are reconciled later in this presentation. We are presenting these non-GAAP financial measures because we believe, when taken collectively, they may be helpful to investors because they provide consistency and comparability with past financial performance by excluding certain items that may not be indicative of our business, results of operations or outlook. Please see Appendix for a reconciliation of the non-GAAP measures to the comparable GAAP measures. Within this presentation, we reference certain industry and sector information and statistics. We have obtained this information and these statistics from various independent, third-party sources. Nothing in the data used or derived from third-party sources should be construed as advice. Some data and other information are also based on our good faith estimates, which are derived from our review of internal surveys and independent sources. We believe that these external sources and estimates are reliable, but we have not independently verified them. Statements as to our market position are based on market data currently available to us. Although we are not aware of any misstatements regarding the demographic, economic, employment, industry and trade association data presented herein, these estimates involve inherent risks and uncertainties and are based on assumptions that are subject to change. 2
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 capital above our long-term CET1 target of 13.5% 2. Non-GAAP number. Please see non-GAAP reconciliation in Appendix 3. Includes Short-term earning assets • Net interest income of $218.9 million; FTE NIM of 4.51%2 • Noninterest income of $66.8 million; fee income ratio of 23.4% • Noninterest expense of $131.0 million; FTE efficiency ratio of 45.4%2 • EOP loans of $11.7 billion, 0.5% growth from prior quarter • EOP deposits of $15.3 billion, 4% growth from prior year quarter • EOP Cash + Securities3 to total assets of 38% • TBV of $14.582 per share • Total excess capital1 of $2.0 billion, or $8.28 per share • Executed $3.8 million of our $100 million share repurchase authorization in Q3’26 at an average price of $31.02
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 the prior year quarter. On an adjusted basis, noninterest income increased $2.6MM or 4.0%. Please see slide 6 for further information. Quarter Ended % Change ($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 % 19.4 % Net Interest Income After Provision for Credit Losses 214.8 209.2 195.5 2.7 % 9.9 % Noninterest Income 66.8 69.6 57.1 (4.0) % 17.0 % Noninterest Expense 131.0 131.4 126.9 (0.3) % 3.2 % Earnings Before Income Taxes 150.6 147.5 125.6 2.2 % 19.9 % Net Income 116.2 113.8 97.1 2.2 % 19.7 % Investment securities (gains), net of taxes1 (0.2) (0.5) 5.3 (62.7) % NM Adjusted Net Income2 $116.1 $113.3 $102.4 2.4 % 13.4 % Earnings Per Share - diluted $0.48 $0.47 $0.44 2.2 % 9.9 % 4 Notes: Columns may not sum due to rounding differences 1. Effective marginal tax rate of 23.84% used for all periods 2. Non-GAAP number. Please see non-GAAP reconciliation in Appendix Income Statement Summary
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 immediate parallel shifts in both short-term and long-term interest rates at the specified levels Highlights: ■ Net interest income (FTE)1 of $220.5MM for Q3'26 representing an increase of 10.1% YoY ■ Average earning assets increased 7.1% YoY, driven by deposit growth and higher capital ■ Q3’26 impact of the securities repositioning completed prior quarter contributed approximately $1.0MM of incremental net interest income and enhanced net interest margin by 2 bps ■ Fixed-rate principal roll-off: Loans - ~$700MM @ 6.0% in Q4’26 and ~$2.2B @ 6.0% in 2027; Securities - ~$200MM @ 4.2% in Q4’26 and ~$1.1B @ 4.3% in 2027 Net Interest Income *tax equivalent yield 6.28% 6.27% 6.24% 6.24% 6.29% 4.39% 4.41% 4.36% 4.43% 4.51% 1.19% 1.14% 1.13% 1.10% 1.11% Loan Yield* Net interest margin (FTE)* Cost of Deposits Q3'25 Q4'25 Q1'26 Q2'26 Q3'26 Volume 5 6% 2% 10% 14% 6% 21% 2027 2028 Base Case (100 bps) +100bps Quarterly Yield Trends Net Interest Income (FTE)1 YoY Waterfall ($MM) Estimated Change in Net Interest Income Assuming Static Balance Sheet Relative to Q3’26 YTD Annualized2 3 3 $200.3 $10.5 $5.1 $(0.5) $5.1 $220.5 3Q25 Cash & Investments Loans Funding Rate 3Q26 1
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 13.8% to $17.5 billion ■ Mortgage banking revenue totaled $8.8MM in the third quarter of 2026, decreasing $1.8MM, or 16.9%, from the prior quarter and 14.3%, from the prior year quarter, primarily due to lower origination volumes in the higher interest rate environment ■ Fee income ratio of 23.4% for Q3’26, compared to 22.3% in the prior year quarter Noninterest Income Quarter-Ended % Change ($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) % (14.3) % Other income 0.9 2.0 1.4 (56.6) % (36.2) % Adjusted noninterest income1 $66.6 $68.9 $64.0 (3.4) % 4.0 % Investment securities gains (losses), net 0.2 0.6 (6.9) (62.8) % NM Total noninterest income $66.8 $69.6 $57.1 (4.0) % 17.0 % Assets under advice ($B) $17.5 $17.3 $15.4 1.5 % 13.8 % Payment services transaction volume ($B) $1.9 $1.9 $1.8 1.3 % 6.4 % Payment services transaction count (MM) 36.9 36.4 35.7 1.3 % 3.5 % 6 Notes: Columns may not sum due to rounding differences 1. Non-GAAP number. Please see non-GAAP reconciliation in Appendix
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-based compensation. Lower FTE employees reflect seasonal summer hires in the prior quarter ■ Legal and professional fees decreased $0.3MM, or 5.3% QoQ and $0.9MM, or 13.9% YoY, reflecting lower technology consulting costs relative to both the prior quarter and prior year quarter ■ Efficiency ratio (FTE)1 improved to 45.4%, compared with 46.1% in the prior quarter and 47.7% in the prior year quarter Noninterest Expense Quarter-Ended % Change ($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) % 2.5 % Legal and professional fees 5.3 5.6 6.1 (5.3) % (13.9) % Bankcard processing fees 8.4 8.3 8.0 1.4 % 4.2 % Other expenses 14.2 14.3 13.9 (0.9) % 2.3 % Total noninterest expense $131.0 $131.4 $126.9 (0.3) % 3.2 % Memo: # of Full Time Equivalent Employees 2,921 2,971 2,911 7 Notes: Columns may not sum due to rounding differences 1. Non-GAAP number. Please see non-GAAP reconciliation in Appendix
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 by stabilized CRE activity, which more than offset declining construction balances, while payoff activity remained modest ■ Consumer loan growth remained concentrated in targeted segments, led by strong mortgage production despite a challenging operating environment, while continued rebalancing of the consumer installment portfolio moderated overall growth Loan Portfolio Loan Portfolio Breakdown (%) C&D, 4% C&I, 15% Non-OO CRE, 28% OO CRE, 14% 1-4 Family, 30% Home Equity Lines, 4% Consumer, 4% Period-End Balances % Change Dollars in millions Q3'26 Q2'26 Q3'25 QoQ YoY Construction & development $517 $570 $535 (9.2) % (3.3) % Commercial, financial & agricultural 1,782 1,800 1,736 (1.0) % 2.6 % Non-owner-occupied CRE 3,341 3,249 3,156 2.8 % 5.8 % Owner-occupied CRE 1,615 1,596 1,583 1.2 % 2.0 % Commercial real estate 4,956 4,845 4,740 2.3 % 4.6 % Total commercial loans 7,255 7,215 7,011 0.6 % 3.5 % Residential mortgage loans 3,496 3,475 3,251 0.6 % 7.5 % Home equity lines of credit 457 433 391 5.4 % 16.8 % Consumer credit card 100 98 93 2.4 % 8.2 % Other consumer loans 429 462 588 (7.1) % (27.0) % Total consumer loans 4,483 4,469 4,323 0.3 % 3.7 % Total unpaid principal balance 11,737 11,684 11,333 0.5 % 3.6 % Add: Unearned income (10) (10) (10) (4.2) % (2.2) % Loans held for investment $11,727 $11,674 $11,323 0.5 % 3.6 % 8 Notes: Columns may not sum due to rounding differences
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 Cost1 Period- End Average Balance Cost1 Period- End Average Balance Cost1 QoQ YoY Noninterest-bearing $5,653 $5,561 $5,570 $5,502 $5,318 $5,238 1.1 % 6.2 % Savings and interest-bearing demand 8,159 8,295 1.55 % 8,263 8,279 1.51 % 7,767 7,788 1.56 % 0.2 % 6.5 % Time 1,504 1,520 2.74 % 1,544 1,573 2.78 % 1,704 1,709 3.13 % (3.4) % (11.1) % Total $15,316 $15,377 1.11 % $15,378 $15,354 1.10 % $14,789 $14,735 1.19 % 0.1 % 4.4 % Q3'26 Q2'26 Q3'25 Average Balance % Change Dollars in millions Period- End Average Balance Cost1 Period- End Average Balance Cost1 Period- End Average Balance Cost1 QoQ YoY Commercial2 $5,450 $5,404 0.90 % $5,285 $5,257 0.89 % $5,059 $4,987 0.93 % 2.8 % 8.3 % Consumer 7,938 7,938 0.90 % 7,987 7,985 0.89 % 7,798 7,758 0.97 % (0.6) % 2.3 % Public Funds 1,928 2,034 2.47 % 2,106 2,111 2.43 % 1,932 1,990 2.66 % (3.6) % 2.2 % Total Deposits $15,316 $15,377 1.11 % $15,378 $15,354 1.10 % $14,789 $14,735 1.19 % 0.1 % 4.4 % Highlights: ■ Total average deposits grew to $15.4 billion, up 4.4% YoY ■ Average noninterest-bearing deposits grew 1.1% QoQ and 6.2% YoY, reflecting continued customer engagement and franchise strength, and NIB deposits represented 36% of average balances for the quarter ■ Deposit pricing remained disciplined, with the cost of total deposits at 1.11%, down from the prior year and stable with the linked quarter ■ Core deposits remained a key competitive advantage, with 90% of EOP total deposits in non-time accounts ■ Uninsured & uncollateralized deposits (excluding intercompany accounts) represent 21.8% of EOP total deposits
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 Q2'26 Q3'26 10 Notes: Dollars in millions 1. Core TBVPS and Excess TBVPS are non-GAAP measures. See Appendix for non-GAAP reconciliation. $14.88 $15.69 $15.84 $16.14 $16.04 $7.14 $6.73 $6.60 $6.70 $6.30 $6.15 $7.50 $7.78 $7.98 $8.28 Core TBVPS Excess TBVPS BVPS Q3'25 Q4'25 Q1'26 Q2'26 Q3'26
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 loans ≥ 30 days past due $149.5 $149.7 $149.9 $150.4 $150.9 1.32% 1.31% 1.30% 1.29% 1.29% ACL / Loans HFI Allowance for Credit Losses on LHFI Q3'25 Q4'25 Q1'26 Q2'26 Q3'26 11 $57.4 $52.0 $54.8 $60.2 $66.0 $6.6 $6.0 $2.7 $3.1 $3.1 $32.5 $28.8 $29.0 $28.7 $30.1 $18.3 $17.2 $23.1 $28.4 $32.8 0.30% 0.25% 0.27% 0.30% 0.33% NPAs / Total Assets Nonperforming Commercial Loans Nonperforming Consumer Loans Other NPAs Q3'25 Q4'25 Q1'26 Q2'26 Q3'26 $3.4 $2.8 $2.9 $3.0 $3.6 $2.2 $2.1 $2.6 $2.7 $2.3 $1.3 $0.8 $0.3 $0.3 $1.2 0.12% 0.10% 0.10% 0.10% 0.12% NCOs / Average Loans Commercial Net C/O Consumer Net C/O Q3'25 Q4'25 Q1'26 Q2'26 Q3'26 $23.7 $36.4 $45.0 $25.3 $27.6 $18.5 $26.4 $28.8 $16.7 $18.8 $5.2 $10.0 $16.2 $8.6 $8.8 0.21% 0.32% 0.39% 0.22% 0.24% Delinquent Loans / Loans HFI Delinquent Commercial Loans Delinquent Consumer Loans Q3'25 Q4'25 Q1'26 Q2'26 Q3'26
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 $2.0 billion measured as the amount above our long term CET1 target of 13.5% ■ Excess capital of $8.28 per share 12
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, GBCI, CBU, FFIN and BANF. 2. TBVPS and ROTCE are non-GAAP measures. See Appendix for non-GAAP reconciliations. 3. Illustrative deployed value of current excess TBVPS at a 13% gross ROIC and CBC’s MRQ capital-normalized P/E multiple. Deployed @13% Gross ROIC3 ROTCE will increase as we invest excess capital $ for $ on Excess • Over half of our capital is excess, but we estimate it produces just ~12% of our net income • Excess capital is held at the holding company and is available for rapid deployment • Potential value of deploying excess capital and standard valuation methodologies support a higher valuation, consistent with our performance versus our high- performing peer group1 Illustrative Implied Valuation Capital Stewardship 13 Excess Capital is a Strategic Asset Proven Capital Allocation Over Long-Term Core vs. Excess: Per Share Components2 Core vs. Excess: Returns and Valuation Components2 $14.58 $6.30 $8.28 Core Excess 2026Q3 $0.00 $10.00 $20.00 $1.69 $0.23 Core Excess 2026Q3 $0.00 $1.00 $2.00 $3.00 TBVPS EPS Annualized 2.8% Assumed 1x TBVPS 25.6% Implied ~13-14x EPS ROTCE Ex ce ss C or e1 ~1.8x TBVPS when deployed • Continuous exploration of attractive ROIC acquisitions, which would drive net income and ROTCE higher • Increased regular quarterly dividend by 118% in early 2026 to a mid-20s payout ratio • Share repurchase program that we believe takes advantage of increased secondary liquidity from pre-IPO non-affiliated shares and attractive prices Implied ~10x EPS
Appendix
Balance Sheet Summary Quarter Ended % Change ($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 19,184 (0.3) % 5.4 % Total Deposits 15,316 15,378 14,789 (0.4) % 3.6 % Fed Funds Purchased & Customer Repurchases 932 913 959 2.1 % (2.8) % Total Customer Funds 16,248 16,291 15,748 (0.3) % 3.2 % Total Liabilities 16,387 16,429 15,899 (0.3) % 3.1 % Total Stockholders' Equity $3,839 $3,866 $3,284 (0.7) % 16.9 % Tangible Book Value Per Share ($)1 $14.58 $14.68 $13.29 (0.7) % 9.7 % 15 Notes: Columns may not sum due to rounding differences 1. Non-GAAP number. Please see non-GAAP reconciliation in Appendix
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 Banking 2008 New Family Leadership 2019 Completed Acquisitions of Liberty Bancorp and Platte County Bancshares (Kansas City MSA) 2023 Named “Best Customer Service Bank” by Newsweek 1969 Renamed The Central Trust Bank 2017 Expanded into the State of Colorado Present 1 of only 2 banks named to Top 50 of Forbes Magazine’s “America’s Best Banks” every year since 2009 1966 Early adopter of computerized banking, with installation of IBM mainframe 1933 During the Great Depression, made loan to the State of Missouri to assist with making payroll and paying other expenses Founded in 1902 by the great- grandfather of our Executive Chairman, Bryan Cook and currently ~$20Bn super-community bank with operations primarily in MO, KS, OK, and CO Industry leading profitability and growth, with a ~10% earnings CAGR since 1972 Driven by a traditional, yet highly diversified and advanced, community banking business model and a consistent culture, represented by our slogan, “Strong Roots, Endless Possibilities” Recognized as the #9 Best Bank by Forbes in 2026 and is only one of two banks that has been in the Top 50 every year since 2009 16
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 of December 31, 2025 3. S&P Global Market Intelligence as of June 30, 2026 NOTABLE CULTURE DEDICATED EMPLOYEES HAPPY CUSTOMERS OUR VISION To become a leader in every market we serve Customer Centric Community Aligned Committed to the Long-Term Collaborative to Succeed 8 years average tenure 79% overall favorable employee rating Net Promoter Score:741 Collaborative to Succeed • Maintain community banking model led by experienced leaders • Continued collaboration and alignment embodied in the “Central Code” Community Aligned • Engaged participation from employees in local communities • 29,000+ community service hours in 2025, or approximately 10 hours per employee Committed to the Long-Term • Continuous reinvestment into our business • Current modernization project intended to provide real-time API-based capabilities Customer Centric • Grown the number of households served by an average of 3% per year since 2016 and high Net Promoter Score (“NPS”) of 741 • Average ~14 years customer tenure2 25% weighted avg. MSA market share = ~2x peer median3 17
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 Markets. 2. NPS figures are based on most recent annual customer survey and weighted by number of responses for Consumer, Commercial and Wealth lines of business (in the case of Commercial, figure is based on responses from customers who consider the Bank to be their primary financial services provider). 3. Employee satisfaction figures represent share of employees who would recommend working at the bank based on most recent annual employee survey. FL Jefferson CityKansas CityDenver TulsaOklahoma CitySt. Louis Total Deposits Total Loans Return on Average Assets "ROAA" (%)1 Net Promoter Score2 Employee Satisfaction3 Dollars in millions 9/30/2026 9/30/2026 3Q2026 (#) (%) Missouri Markets: Jefferson City 3,257 1,437 2.20 % 78 80 % Kansas City 3,223 2,060 2.09 % 73 73 % Columbia 2,569 1,705 2.60 % 74 82 % St. Louis 1,896 2,000 2.17 % 79 88 % Springfield 1,605 1,249 2.44 % 72 79 % Lake of the Ozarks 985 626 2.59 % 77 85 % Branson 414 322 2.43 % 71 77 % Sedalia 398 265 2.75 % 69 78 % Warrensburg 319 182 1.76 % 64 82 % Other Primary Markets: Oklahoma 368 973 1.76 % 76 73 % Colorado 277 755 0.75 % 79 77 % Consolidated 1 15,316 11,745 2.27 % 74 79 % 18
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 1,436 Interest income (FTE) (non-GAAP) $ 268,725 $ 262,004 $ 250,211 Net interest income {a} $ 218,856 $ 212,784 $ 198,872 Add: Tax-equivalent adjustment ¹ 1,619 1,580 1,436 Net interest income (FTE) (non-GAAP) {b} $ 220,475 $ 214,364 $ 200,308 Average interest-earning assets {c} $ 19,386,222 $ 19,404,610 $ 18,092,760 Net interest margin ² {a ÷ c} 4.48 % 4.40 % 4.36 % Net interest margin (FTE) (non-GAAP) ² {b ÷ c} 4.51 % 4.43 % 4.39 % ¹ Effective marginal tax rate of 23.84% used for all periods. ² Ratios for the quarters are presented on an annualized basis.
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 57,070 Total revenue {a} 285,656 282,339 255,942 Less: Loss on sale of consumer lease portfolio — — — Less: Investment securities (losses) gains, net 229 616 (6,920) Add: Tax equivalent adjustment ¹ 1,619 1,580 1,436 Adjusted total revenue (FTE) (non-GAAP) {b} $ 287,046 $ 283,303 $ 264,298 Noninterest expense {c} $ 130,979 $ 131,354 $ 126,945 Less: Amortization of intangible assets 559 804 807 Tangible noninterest expense (non-GAAP) {d} $ 130,420 $ 130,550 $ 126,138 Efficiency ratio {c ÷ a} 45.9 % 46.5 % 49.6 % Efficiency ratio (FTE) (non-GAAP) {d ÷ b} 45.4 % 46.1 % 47.7 % ¹ Effective marginal tax rate of 23.84% used for all periods.
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: Goodwill and other intangible assets 349,495 350,055 352,470 Tangible common equity (non-GAAP) {b} $ 3,489,231 $ 3,515,706 $ 2,931,944 Total shares of Class A common stock outstanding {c} 239,382 239,505 220,665 Book value per share {a ÷ c} $ 16.04 $ 16.14 $ 14.88 Tangible book value per share (non-GAAP) {b ÷ c} $ 14.58 $ 14.68 $ 13.29 Total assets {d} $ 20,225,657 $ 20,294,827 $ 19,183,605 Less: Goodwill and other intangible assets 349,495 350,055 352,470 Tangible assets (non-GAAP) {e} $ 19,876,162 $ 19,944,772 $ 18,831,135 Total stockholders' equity to total assets {a ÷ d} 19.0 % 19.0 % 17.1 % Tangible common equity to tangible assets (non-GAAP) {b ÷ e} 17.6 % 17.6 % 15.6 %
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 $ 3,865,761 $ 3,798,326 $ 3,783,977 $ 3,284,414 Less: Goodwill and other intangible assets 349,495 350,055 350,859 351,664 352,470 Tangible common equity (non-GAAP) {b} $ 3,489,231 $ 3,515,706 $ 3,447,467 $ 3,432,313 $ 2,931,944 Total shares of Class A common stock outstanding {c} 239,382 239,505 239,787 241,106 220,665 Book value per share {a ÷ c} $ 16.04 $ 16.14 $ 15.84 $ 15.69 $ 14.88 Tangible book value per share (non-GAAP) {b ÷ c} $ 14.58 $ 14.68 $ 14.38 $ 14.24 $ 13.29 Target common equity tier 1 ratio {d} 13.5 % 13.5 % 13.5 % 13.5 % 13.5 % Risk-weighted assets {e} $12,736,855 $12,632,810 $ 12,369,850 $12,403,247 $12,211,732 Target common equity tier 1 capital (non-GAAP) {f} = {d * e} $1,719,475 $1,705,429 $ 1,669,930 $1,674,438 $1,648,584 Actual common equity tier 1 capital {h} $3,701,132 $3,615,670 $ 3,535,765 $3,483,247 $3,004,815 Excess common equity tier 1 capital (non-GAAP) {i} = {h - f} $1,981,657 $1,910,241 $ 1,865,835 $1,808,809 $1,356,231 Excess tangible book value per share (non-GAAP) {i ÷ c} $ 8.28 $ 7.98 $ 7.78 $ 7.50 $ 6.15 Tangible book value per share (non-GAAP) {b ÷ c} $ 14.58 $ 14.68 $ 14.38 $ 14.24 $ 13.29 Less: Excess tangible book value per share (non- GAAP) {i ÷ c} $ 8.28 $ 7.98 $ 7.78 $ 7.50 $ 6.15 Core tangible book value per share (non-GAAP) $ 6.30 $ 6.70 $ 6.60 $ 6.73 $ 7.14
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 Weighted average diluted shares {b} 239,550 Adjusted earnings per share - diluted (non-GAAP) {a ÷ b} $ 0.48 Average excess common equity tier 1 capital 1 (non-GAAP) {c} $ 1,945,949 Assumed % pre-tax interest on excess balances2 {d} 3.69 % Annual pre-tax opportunity cost of excess capital (non-GAAP) {c * d} $ 71,767 Annual after-tax opportunity cost of excess capital3 (non-GAAP) {e} $ 54,658 ROTCE on Excess Capital (non-GAAP) {e ÷ c} 2.8% Quarterly after-tax opportunity cost of excess capital4 (non-GAAP) {f} $ 13,777 Excess earnings per share (non-GAAP) {f ÷ b} $ 0.06 Adjusted earnings per share - diluted {a ÷ b} $ 0.48 Less: Excess earnings per share {f ÷ b} $ 0.06 Core earnings per share (non-GAAP) $ 0.43 Annualized earnings per share $ 1.92 Annualized excess earnings per share $ 0.23 Annualized core earnings per share $ 1.69 1Simple average of current quarter and prior quarter. 2Daily average IORB rate for the quarter, source is stlouisfed.org 3Effective marginal tax rate of 23.84% used for all periods. 4Annual after-tax opportunity cost of excess capital divided by number of days in the year multiplied by days in the quarter.
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 capital 1 (non-GAAP) {a} $ 1,945,949 Assumed % pre-tax interest on excess balances2 {b} 3.69 % Annual pre-tax opportunity cost of excess capital (non-GAAP) {a * b} $ 71,767 Annual after-tax opportunity cost of excess capital3 (non-GAAP) {c} $ 54,658 ROTCE on Excess Capital (non-GAAP) {c ÷ a} 2.8% Adjusted net income (non-GAAP) $ 116,067 Add: Amortization of intangible assets, net of taxes ³ 426 Adjusted tangible net income (non-GAAP) {d} $ 116,493 Average common equity $ 3,888,891 Less: Average goodwill and other intangible assets 349,823 Average tangible common equity (non-GAAP) {e} $ 3,539,068 Adjusted return on average tangible common equity (non-GAAP) {d ÷ e} 13.1% Average tangible common equity (non-GAAP) $ 3,539,068 Less: Average excess common equity tier 1 capital (non-GAAP) 1,945,949 Average core tangible common equity (non-GAAP) {f} $ 1,593,119 Adjusted tangible net income (non-GAAP) $ 116,493 Less: Quarterly after-tax opportunity cost of excess capital4 (non-GAAP) 13,777 Core adjusted tangible net income (non-GAAP) {g} $ 102,716 Core adjusted return on tangible common equity (non-GAAP) {g ÷ f} 25.6% 1Simple average of current quarter and prior quarter. 2Daily average IORB rate for the quarter, source is stlouisfed.org 3Effective marginal tax rate of 23.84% used for all periods. 4Refer to Core earnings per share and excess earnings per share non-GAAP reconciliation on slide 23
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) {a} + {b} $ 116,067 $ 113,304 $ 102,368 ¹ Effective marginal tax rate of 23.84% used for all periods.
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) 229 616 (6,920) Adjusted noninterest income (non-GAAP) {b} $ 66,571 $ 68,939 $ 63,990 Net interest income $ 218,856 $ 212,784 $ 198,872 Noninterest income 66,800 69,555 57,070 Total revenue {c} 285,656 282,339 255,942 Less: Investment securities loss (gain) 229 616 (6,920) Adjusted total revenue (non-GAAP) {d} $ 285,427 $ 281,723 $ 262,862 Fee income ratio {a ÷ c} 23.4 % 24.6 % 22.3 % Adjusted fee income ratio (non-GAAP) {b ÷ d} 23.3 % 24.5 % 24.3 %