Central Bancompany, Inc.

Except as otherwise stated or the context otherwise requires, references in this Quarterly Report on Form 10-Q 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

•ACL - Allowance for credit losses

•AFS - Available for sale

•ALCO - Asset/Liability Management Committee

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

•ASC- Accounting Standards Codification

•ASU - Accounting Standards Update

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

•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

•CODM - Chief Operating Decision Maker

•CRE - Commercial real estate

•CREPI - Commercial Real Estate Price Index

•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

•FDIC- The Federal Deposit Insurance Corporation

•FHLB - Federal Home Loan Bank

•FHLMC or Freddie Mac - Federal Home Loan Mortgage Corporation

•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.

•GNMA or Ginnie Mae - Government National Mortgage Association

•GSE - Government sponsored enterprises

•HELOC - Home equity lines of credit

•HPI -House Price Index

•HTM - Held to maturity

•IPO - Initial public offering

•IRLC - Interest rate lock commitments

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

•N.M. - Not meaningful

•OMSR- Originated mortgage servicing rights

•PCA - Prompt corrective action framework

•RMBS- Residential mortgage-backed securities

•ROAA - Annualized return on average assets

•ROTCE - Annualized return on tangible common equity

•RSA - Restricted stock awards

•SBA - Small Business Administration

•SEC - U.S. Securities and Exchange Commission

•SERP - Supplemental Executive Retirement Plan

•U.S. - United States

•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”)