{"schema_version":"secwatch.filing_event.v1","accession":"0002065601-26-000003","form_type":"8-K","ticker":"CBC","cik":"0002065601","company_name":"Central Bancompany, Inc.","filed_at":"2026-01-27T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.146901+00:00","generated_at":"2026-05-16T07:39:22.238493+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Central Bancompany Q4 net income $107.6M ($0.47 EPS); full-year record profitability","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0002065601-26-000003","json":"https://secwatch.observer/filing/0002065601-26-000003.json","markdown":"https://secwatch.observer/filing/0002065601-26-000003.md","text":"https://secwatch.observer/filing/0002065601-26-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/2065601/000206560126000003/0002065601-26-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/2065601/000206560126000003/cbci-20260127.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T07:39:22.238493+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}