CENTRAL BANCOMPANY, INC. (CBC) is a company. Central Bancompany is a publicly traded holding-company headquartered in Jefferson City, Missouri. It has 38 employees.

Transcript

Operator

Good day, and thank you for standing by. Welcome to the Central Bancompany second quarter 2026 earnings conference call. At this time, all participants are in a listen-only mode. After the speaker's presentation, there will be a question and answer session. To ask a question during the session, you will need to press star one one on your telephone. You will then hear an automated message advising your hand is raised. To withdraw your question, please press star one one again. Please be advised that today's conference is being recorded. I would now like to turn the conference over to your speaker today, John Ross, President and CEO. Please go ahead.

John Ross — President and CEO

Thank you, operator. Good morning, and thank you for joining us for Central Bancompany's second quarter earnings call. With me in the room today is our Chief Financial Officer, Jim Ciroli, Chief Customer Officer, Dan Westhues, and Chief Credit Officer, Eric Hallgren. As a reminder, I would like to point out that the discussion today is subject to the same forward-looking considerations outlined on page four of our press release. Today, we plan to again briefly provide some details on second quarter highlights before opening the line for questions. I would like to begin with some non-financial updates for the second quarter. We opened three new full-service branches during the second quarter, one in St. Louis and two in Colorado, as part of our growth strategy in under-penetrated metro markets. Our Kansas City teammates were also busy welcoming World Cup fans and putting exclusive Soccer Capital of America debit cards in their wallets. More than anything, I guess you could say it was business as usual here at Central Bank. I would like to thank the nearly 3,000 full-time employees across our organization for their continued efforts providing legendary service to our clients and communities. I will now turn it over to Jim to cover a few financial highlights.

Jim Ciroli — CFO

Thank you, J.R. Net income of $113.8 million for the quarter, or $0.47 per share, produced a return on average assets of 2.24%. Relative to the second quarter of 2025, adjusted net income increased by $15.4 million, or 16%. Net interest income increased $17.7