---
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"
generated_at: "2026-05-16T07:39:22.238493+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0002065601-26-000003
- JSON: https://secwatch.observer/filing/0002065601-26-000003.json
- Plain text: https://secwatch.observer/filing/0002065601-26-000003.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.