Central Bancompany earnings rose to $116.2 million in the third quarter of 2026, up from $97.1 million a year earlier. Diluted earnings per share increased to $0.48 from $0.44, the Missouri-based bank holding company reported on October 27.

Key Takeaways

  • Net interest income rose to $218.9 million from $198.9 million a year earlier.
  • The net interest margin was 4.48%, while the efficiency ratio improved to 45.9%.
  • Mortgage banking revenue declined, and provisions for credit losses increased.

Central Bancompany earnings and interest income

Third-quarter net income also increased from $113.8 million in the second quarter of 2026, when diluted earnings were $0.47 per share. Net interest income was up from $212.8 million in the previous quarter.

The efficiency ratio improved from 46.5% in the second quarter and 49.6% a year earlier. President and CEO John “JR” Ross said growth in net interest and noninterest income exceeded expense growth.

Loan growth and credit quality

Total assets reached $20.2 billion, and average total loans were $11.7 billion. Loan growth was 3.2% on an annualized basis.

Nonperforming assets were 33 basis points of total assets, while annualized net charge-offs were 12 basis points. Provisions for credit losses increased as the loan portfolio grew. Ross also cited a decline in mortgage banking activity amid rising interest rates.

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