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EarningsQ2 2026 Earnings Report

Central Bancompany (CBC) Q2 2026 Earnings Report

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Previous Report: Q1 2026

CBC Q2 2026 EPS Results

Actual EPS$0.47

Consensus EPS$0.47

Beat/MissMissed by -<$0.01

One Year Ago EPS$0.42

CBC Q2 2026 Revenue Results

Actual Revenue$329.61M

Expected Revenue$283.77M

Beat/MissBeat by +$45.84M

YoY Revenue Growth―

Earnings Announcement Details

QuarterQ2 2026

Date08/04/2026

TimeBefore Open

Conference CallTuesday, August 4, 2026

CBC Upcoming Earnings

Central Bancompany's next earnings date is estimated for October 27, 2026, based on past reporting schedules.

Q2 2026 Earnings Call Audio

CBC Q2 2026 Earnings Call

0:00 / 0:00

Q2 2026 Earnings Slide Deck

Q2 2026 Earnings Call Summary

Q2 2026

Earnings Call Date:Aug 04, 2026|

% Change Since:

Earnings Call Sentiment|Positive

The call presented a majority of positive items: double-digit adjusted net income growth (+16% YoY), NII and NIM expansion, solid loan growth (6.5% annualized), deposit franchise strength (deposits +3% YoY; noninterest-bearing +5% YoY), healthy capital (≈$1.9B excess) and an opportunistic $100M buyback. Challenges were present but relatively contained: mix-driven pressure on loan yields, a $7.8M securities loss tied to a duration trade (offset by higher reinvestment yield), a modest uptick in NPAs from a single small commercial downgrade, and seasonal/competitive deposit dynamics. Overall, highlights materially outweigh the lowlights and management characterized the results as a solid quarter with disciplined capital deployment and continued organic growth opportunities.

Company Guidance

Management's guidance emphasized seasonal and tactical balance-sheet moves: they expect public‑fund deposits to decline in Q3 then increase in Q4, deposit costs to be relatively stable on a seasonally adjusted basis, and loan yields to have upward pressure as $1.3 billion of back‑book repricing rolls into H2 at an indicated ~5.8%; loan pipelines remain robust with 6.5% annualized loan growth this quarter. They also highlighted capital and capital‑return posture — approximately $1.9 billion of excess capital (~$7.98/share) and a refreshed $100 million buyback authorization (having spent $39M of a prior $50M program) — and noted tactical moves taken this quarter, including sale of $210M of shorter‑duration securities (loss $7.8M) to reinvest at a ~250‑bp yield pickup and participation in Visa’s exchange recognizing an $8.4M gain; supporting metrics cited on the call included NIM (FTE) 4.43% (+13 bps YoY), net income $113.8M ($0.47/sh), net interest income +$17.7M, average earning assets +$1.1B, core fee income ratio 24.5%, FTE efficiency ratio 46.1%, cost of deposits -3 bps, net charge‑offs 10 bps, and delinquencies 22 bps.

Strong Earnings and Profitability

Net income of $113.8 million for the quarter ($0.47 per share) produced a return on average assets of 2.24%. Adjusted net income increased $15.4 million, or 16% year-over-year.

Net Interest Income and Margin Expansion

Net interest income increased $17.7 million versus the prior-year quarter with average earning assets up $1.1 billion. Net interest margin (FTE) expanded 13 basis points to 4.43%.

Loan Growth Momentum

Core loan balances grew at a 6.5% annualized pace during the quarter (net of declines in other consumer loans) and the ending loan balance finished higher than the quarter's average, with robust pipelines similar to H1 2025.

Deposit Trends and Customer Primacy

Total deposits were up 3% year-over-year, with noninterest-bearing deposits up 5% year-over-year (seasonally adjusted), reflecting success in winning primary customer relationships.

Capital Strength and Shareholder Actions

Holding company capital remained strong with approximately $1.9 billion of excess capital (about $7.98 per share). Board refreshed share buyback authorization to $100 million and management signaled opportunistic repurchases.

Diversifying and Increasing Noninterest Income

Core fee income ratio was 24.5% despite net interest income growth; wealth management AUA reached $17.3 billion with market-driven and net new inflows and early traction from a newly launched private bank initiative.

Operational Efficiency and Strategic Securities Moves

FTE efficiency ratio was 46.1%. Management reduced asset sensitivity by selling $210 million of short-duration securities and reinvested proceeds in medium-term securities with a ~250-basis-point pickup in yield.

Asset Quality Metrics Remain Strong

Net charge-offs were 10 basis points for the quarter (consistent with prior quarter). Delinquencies improved to 22 basis points of total loans, driven by improvements in commercial loans and consumer credit cards.

One-Time Gain Recognition

Participated in Visa's share exchange offer and recognized a gain of $8.4 million during the quarter.

Business Expansion and Workforce

Opened three new full-service branches (1 in St. Louis, 2 in Colorado) and highlighted nearly 3,000 full-time employees providing customer service as part of growth in underpenetrated metros.

CBC Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change
Oct 27, 2026	2026 (Q3)	0.49 / -	0.46	―
Aug 04, 2026	2026 (Q2)	0.47 / 0.47	0.42	11.90% (+0.05)
Apr 28, 2026	2026 (Q1)	0.43 / 0.46	0.43	6.98% (+0.03)
Jan 27, 2026	2025 (Q4)	0.45 / 0.47	―	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed