Central Bancompany (CBC) Q4 2025 earnings summary

Executive summary

• Q4 net income was $107.6 million ($0.47 per diluted share), up 10.8% sequentially and 73.9% year-over-year, with ROAA at 2.17% and CET1 ratio at 28.1%.

• Completed a successful IPO, raising $429 million in gross proceeds and increasing capital ratios.

• Net Promoter Scores improved, with retail at 74 and wealth at 83, reflecting strong customer satisfaction.

• Employees contributed over 28,000 volunteer hours in communities served.

Financial highlights

• Net interest income was $206.5 million, up 3.8% sequentially and 13.2% year-over-year; net interest margin (FTE) was 4.41%.

• Noninterest income totaled $65.8 million in Q4, up 15.2% from the prior quarter, driven by wealth, brokerage, and fiduciary fees.

• Noninterest expense was $129.5 million, with an efficiency ratio (FTE) of 47%.

• End-of-period loans were $11.4 billion, up 1% from the prior quarter; deposits were $15.9 billion, up 6% from prior year-end.

• Tangible book value per share rose to $14.24.

Outlook and guidance

• Management expects continued loan growth based on customer demand and market conditions, with a focus on prudent business growth, technology buildout, and strategic capital deployment.

• Net interest income is expected to rise 3-6% in 2026 under modeled rate scenarios, with limited sensitivity to front-end rate changes.

• M&A remains a core strategy, with a focus on high-quality targets and potential expansion into Texas.

• Excess capital will be deployed prudently, with M&A as the primary focus, but dividends and buybacks also considered.