Central Bancompany, Inc.

Except as otherwise stated or the context otherwise requires, references in this Annual Report on Form 10-K to:

•We, Our, Us, and the Company - Central Bancompany, Inc., and its subsidiaries

•the Bank - The Central Trust Bank

•Business Segments - Consumer Banking, Commercial Banking and Wealth Management

•ACH- Automated Clearing House

•ACL - Allowance for credit losses

•AFS - Available for sale

•AI - Artificial intelligence

•ALCO - Asset/Liability Management Committee

•AML - Anti-Money Laundering

•AMLA - Anti-Money Laundering Act of 2020

•API -Application Programming Interface

•Articles -refers to our Second Amended and Restated Articles of Incorporation

•ASC- Accounting Standards Codification

•ASU - Accounting Standards Update

•Basel III Capital Rules - Basel Committee's December 2010 final capital framework for strengthening international capital standards

•BHC - Bank Holding Company

•bps- Basis points (one basis point equals 1/100 of 1 percent)

•BSA - Bank Secrecy Act of 1970

•Bylaws - refers to our Amended and Restated Bylaws

•C&D - Construction and development loans

•C&I- Commercial, financial & agricultural loans

•CET1 -Common Equity Tier 1

•CFPB -Consumer Financial Protection Bureau

•CODM - Chief Operating Decision Maker

•CRA - Community Reinvestment Act of 1977

•CRE - Commercial real estate

•CREPI - Commercial Real Estate Price Index

•DIF - Deposit Insurance Fund

•Dodd-Frank Act - the Dodd-Frank Wall Street Reform and Consumer Protection Act

•ERP - Enterprise Resource Planning

•Exchange Act- The Securities and Exchange Act of 1934, as amended

•EVE - Economic value of equity

•FASB- Financial Accounting Standards Board

•Federal Reserve - refers to the Board of Governors of the Federal Reserve System

•FDIA - Federal Deposit Insurance Act

•FDIC- The Federal Deposit Insurance Corporation

•FDICIA -Federal Deposit Insurance Corporation Improvement Act of 1991

•FHLB - Federal Home Loan Bank

•FHLMC or Freddie Mac - Federal Home Loan Mortgage Corporation

•FinCEN - the Financial Crimes Enforcement Network

•Fintechs - Financial technology companies

•FOMC - Federal Open Market Committee

•FNMA or Fannie Mae - Federal National Mortgage Association

•FRB - Federal Reserve Bank

•FTE - Fully-taxable equivalent

•FTP - Funds transfer pricing

•GAAP - Generally Accepted Accounting Principles in the U.S.

•GDP- Gross domestic product.

•GLBA - Gramm-Leach-Bliley Act of 1999

•GNMA or Ginnie Mae - Government National Mortgage Association

•GSE - Government sponsored enterprises

•HELOC - Home equity lines of credit

•HPI -House Price Index

•HSA - Health Savings Account

•HTM - Held to maturity

•IPO - Initial public offering

•IRLC - Interest rate lock commitments

•IRS - Internal Revenue Service

•JOBS Act - Jumpstart Our Business Startups Act

•MSA - Metropolitan Statistical Area

•µ SA -Micro Metropolitan Statistical Area

•Nasdaq - National Association of Securities Dealers Automated Quotations, or Nasdaq Stock Market LLC

•NPS - Net Promoter Score

•OD/NSF - Overdraft/non-sufficient funds

•OFAC - the U.S. Treasury Department’s Office of Foreign Assets Control

•OMSR- Originated mortgage servicing rights

•OREO - Other real estate owned

•PCA - Prompt corrective action framework

•PCAOB - Public Company Accounting Oversight Board

•RMBS- Residential mortgage-backed securities

•ROAA - Annual return on average assets

•ROTCE - Annual return on tangible common equity

•ROU- Right of Use

•RSA - Restricted stock awards

•RTP - Real time payments

•SBA - Small Business Administration

•SEC - U.S. Securities and Exchange Commission

•SERP - Supplemental Executive Retirement Plan

•TBA- To be announced

•U.S. - United States

•USA PATRIOT Act - the Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001

•VISA - the Visa, U.S.A. Inc. card association or its affiliates, collectively

•Voting Trust Agreement -refers to the amended and restated voting trust agreement, dated March 5, 2025 (such voting trust, the “Voting Trust”), among the Company, the extended members of the Sam Baker Cook family, certain employees, the descendants of former employees and certain other shareholders parties thereto (collectively, the “Voting Trust Members”), and S. Bryan Cook, Robert M. Robuck, and Robert R. Hermann, Jr., as trustees (collectively, the “Trustees”)