HOME BANCSHARES INC

Home BancShares, Inc. (NYSE: HOMB) is a bank holding company that operates Centennial Bank, a community-focused financial institution serving customers across multiple states. The company's website is located at http://www.homebancshares.com.

Founded in 1998, Home BancShares has grown through a disciplined acquisition strategy, integrating 23 banks since its inception and establishing itself as a significant player in regional banking. The company operates 218 branch locations across Arkansas, Florida, Texas, Alabama, and New York City, with additional loan production offices in Los Angeles, California; Miami, Florida; Dallas, Texas; Chesapeake, Virginia; and Baltimore, Maryland. As of December 31, 2025, the company employed 2,543 full-time equivalent employees.

The company's primary business involves providing commercial and retail banking services, including deposit products, lending, trust services, and wealth management. Centennial Bank's loan portfolio totals approximately $15.7 billion, with commercial real estate loans representing the largest segment at 33.7 percent of the portfolio. The company also maintains significant residential real estate lending operations and commercial and industrial lending activities. Total assets reached $22.9 billion as of year-end 2025, with total deposits of $17.5 billion.

Home BancShares operates specialized lending divisions including Centennial Commercial Finance Group, which focuses on national commercial real estate and commercial and industrial lending, and Shore Premier Finance, which specializes in commercial and consumer marine lending. The company also provides trust and investment services through GoldStar Trust Company, managing approximately $7.46 billion in assets under management and custody, and operates insurance agencies through subsidiaries Centennial Insurance Agency and Cook Insurance Agency.

The company's community banking philosophy emphasizes local decision-making authority, with regional loan committees empowered to approve loans up to $6.0 million. This structure enables rapid credit decisions and maintains strong community relationships. Home BancShares pursues growth through strategic acquisitions, organic expansion within existing markets, and de novo branch development. The company maintains a disciplined approach to credit quality and capital management, positioning itself to capitalize on acquisition opportunities while maintaining regulatory compliance and shareholder value creation.