Latest Quarterly Results
For the fourth quarter ended December 31, 2025, Central Bancompany reported the following consolidated GAAP figures:
Net interest income was $206.5 million, with a net interest margin of 4.38%.
Net income totaled $107.6 million, or $0.47 per diluted share.
Year-over-year revenue trends reflected higher net interest income, supported by margin performance and loan growth.
Net income increased from $97.1 million in the prior quarter and from the year-earlier period.
Segment-level disclosures
Consumer and retail banking activity reflected loan growth in residential mortgages and consumer portfolios.
Commercial banking loans held for investment totaled $11.4 billion, up about 1.0% quarter over quarter.
Noninterest income included contributions from wealth management and fee-based services.
Full-Year Results Context
For full-year 2025, the company reported:
Annual net interest income of $789.7 million, up from the prior year.
Annual net income of $390.9 million, compared with $305.8 million in 2024.
Annual revenue reflected growth in interest income and noninterest income in aggregate.
Business and Operations Update
The company reported a modest quarter-on-quarter increase in net interest margin and lower effective deposit costs.
Asset quality metrics at quarter-end included:
Nonperforming loans of $46 million, representing 0.40% of total loans.
Net charge-offs of $2.8 million.
Allowance for credit losses of $149.7 million, or 1.31% of loans.
Capital Ratios and Liquidity
Central Bancompany reported a common equity Tier 1 capital ratio of 28.1%, corresponding to approximately $1.8 billion in excess capital relative to internal targets.
M&A and Strategic Moves
Management reiterated its focus on potential mergers and acquisitions as a primary channel for deploying excess capital. The company said it continues to evaluate potential targets consistent with its strategic criteria.
Performance Summary
Central Bancompany shares fell about 0.7% following the quarterly release.
Fourth-quarter net income reached $107.6 million, with net interest income of $206.5 million.
Commercial and consumer lending portfolios showed sequential growth.
Capital and credit quality indicators remained within disclosed targets.