Central Bancompany Q4 net income $107.6M ($0.47 EPS); full-year record profitability

Central Bancompany, Inc.

2025-FY EPS reported $1.75

Full-year GAAP net income $390.9M ($1.75 EPS); adjusted EPS $1.81, up from $1.51 prior year.
Net interest margin (FTE) 4.41% in Q4, up 2 bps QoQ; deposit cost fell 5 bps to 1.14%.
Total deposits $15.9B (+5.9% YoY); loans held for investment $11.4B (+1% QoQ).
CET1 ratio 28.1% at holding company; tangible book value $14.24 per share.
Adjusted efficiency ratio (FTE) improved to 47.9% for full year from 51.7% in 2024.

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