Central Bancompany Inc-A 2026年一季度报告

Central Bancompany, Inc. Reports First Quarter 2026 Results First Quarter 2026 Financial Highlights •GAAP net income of $111.1 million, or $0.46 per fully diluted share, compared to $107.6 million and $0.47 in the priorquarter and $94.8 million, or $0.43 per fully diluted share in the prior year quarter•GAAP net interest income of $208.6 million, reflecting a GAAP net interest margin (“NIM”) of 4.32% compared to 4.38% inthe prior quarter and 4.19% in the prior year quarter•Average total loans held for investment of $11.5 billion, quarterly increase of $0.1 billion, or 1.2% growth from the priorquarter•Average total deposits of $15.5 billion, seasonally higher from last quarter and an increase of $0.8 billion or 5.2% from prioryear quarter•Repurchased over 1.3 million shares at an average price of $24.03•Return on average assets (“ROAA”) of 2.20%•Efficiency ratio of 46.3% and efficiency ratio (FTE)1of 45.7% JEFFERSON CITY, MO. (April 28, 2026 / GLOBE NEWSWIRE) — Central Bancompany, Inc. (Nasdaq: CBC) (“CentralBancompany”, “the Company”, or “CBC”), the bank holding company for The Central Trust Bank (the “Bank”), today announcedpreliminary financial results for the first quarter 2026. John “JR” Ross, President and Chief Executive Officer of Central Bancompany, commented "We are pleased to announce solidfinancial results for the first quarter of 2026. First quarter net income was $111.1 million, or $0.46 per fully diluted share, reflecting a2.20% ROA and a 46.3% efficiency ratio. We’ve grown net income by $16.3 million, or 17%, from the first quarter of 2025. We wereencouraged by loan growth in the quarter, with ending loans excluding other consumer up nearly 6% annualized quarter-over-quarter.Our teams grew average deposits by $0.8 billion, or 5%, including growth of over $400 million in average noninterest-bearing demandbalances from the prior year quarter’s balances.” “We reaffirmed our commitment to capital deployment during the quarter by increasing our ordinary quarterly dividend by 118% to$0.12 per share and repurchasing $32 million of our outstanding shares to take advantage of attractive prices and expanded marketliquidity,” Ross continued. “We were humbled to again be included as one of America’s Best Banks by Forbes, as well as beingnamed the best performing U.S. public bank with more than $10 billion in assets by S&P Global Market Intelligence. Recognitionfrom such leading organizations is a direct result of legendary service that our employees provide their customers and ourcommunities, and I would like to thank them for driving a successful start to 2026.” Net Interest Income and Net Interest Margin The Company reported net interest income of $208.6 million in the first quarter of 2026, reflecting a GAAP net interest margin of4.32% (4.36% on an FTE basis1). Net interest income increased $19.3 million from the first quarter of 2025, driven by solidunderlying average earning asset growth of $1.3 billion, or 7%, resulting from growing deposits, earnings retention and our IPO.These funds have largely been invested in securities and short-term earning assets. From the end of 2025, average earning assets havegrown by nearly $1.0 billion. Notably, in the first quarter of 2026, loans grew at an annualized rate of 6% excluding the reduction inother consumer loans. Compared with the first quarter of 2025, the net interest margin grew to 4.32% from 4.19% in the prior yearquarter. Average earning assets for the quarter totaled $19.6 billion, an increase of $1.3 billion, or 7% from the first quarter of 2025, and $0.9billion or 5% from prior quarter. Average total loans held for investment were $11.5 billion for the first quarter of 2026, declining slightly by $0.1 billion, or less than1% from the prior year quarter. During that period of time, indirect consumer lending has been reduced and the consumer leasingportfolio was sold. Excluding other consumer loans, which included both indirect consumer loans and consumer leases, average totalloans held for investment increased $0.4 billion or 3% from loan growth spread across a number of categories and markets. Total loansended the quarter at $11.5 billion, $63 million above the average for the quarter, reflecting continued loan growth momentum. Average total deposits were $15.5 billion for the first quarter of 2026, an increase of $0.8 billion, or 5% from prior year quarter. Theincrease from the prior year quarter was driven by higher noninterest bearing deposits, which rose $0.4 billion, or 9%, and non-maturity interest bearing deposits, which were up $0.4 billion or 5%. All significant customer segments reported deposit growth, withcommercial deposits up 9% over the prior year quarter. The 13 basis point increase in the net interest margin from the prior year quarter reflected actions taken to invest short-term earningassets into the securities portfolio and actions taken to reduce the overall cost of deposits commensurate with lower short-term marke