Startseite Bancshares, Inc. (Conway, AR) (HOMB): Business Model Canvas

Home Bancshares, Inc. (HOMB) liegt im Herzen von Arkansas und stellt ein dynamisches Finanzunternehmen dar, das das traditionelle Bankwesen durch innovative Strategien und tiefe Wurzeln in der Gemeinschaft verändert. Dieses führende regionale Bankenunternehmen hat ein ausgeklügeltes Geschäftsmodell entwickelt, das weit über herkömmliche Finanzdienstleistungen hinausgeht und strategische Partnerschaften, modernste digitale Technologien und einen zielgerichteten Ansatz für personalisierte Bankerlebnisse nutzt. Durch die nahtlose Verbindung von lokalem, beziehungsorientiertem Banking mit fortschrittlicher technologischer Infrastruktur hat sich HOMB als einzigartiges Finanzinstitut positioniert, das die differenzierten Bedürfnisse von Unternehmen und Privatpersonen im Südosten der USA versteht.

Startseite Bancshares, Inc. (Conway, AR) (HOMB) – Geschäftsmodell: Wichtige Partnerschaften

Strategische Allianzen mit lokalen Unternehmen in Arkansas und im Südosten der USA

Home Bancshares unterhält strategische Partnerschaften in acht Bundesstaaten im Südosten der USA, darunter Arkansas, Florida, Alabama, Tennessee, Texas und andere.

Partnerschaftstyp	Anzahl der Partnerschaften	Geografische Abdeckung
Lokale Wirtschaftsallianzen	127	8 südöstliche Staaten
Netzwerk für kleine Unternehmen	342 aktive Verbindungen	Regionales Geschäftsökosystem

Partnerschaften mit Hypothekendarlehens- und Versicherungsdienstleistern

Home Bancshares arbeitet mit mehreren Hypotheken- und Versicherungspartnern zusammen, um das Serviceangebot zu erweitern.

• Hypothekenkreditpartner: 18 aktive Beziehungen
• Versicherungsdienstleister: 12 strategische Partnerschaften
• Gesamtvolumen der Hypothekenvergabe: 687,4 Millionen US-Dollar im Jahr 2023

Zusammenarbeit mit Technologieanbietern für digitale Banking-Lösungen

Technologiepartner	Service bereitgestellt	Umsetzungsjahr
FIS Global	Kernbankenplattform	2022
Jack Henry & Mitarbeiter	Digitale Banking-Infrastruktur	2021
Fiserv	Zahlungsabwicklungslösungen	2023

Gemeindeentwicklungsorganisationen und örtliche Handelskammern

Home Bancshares engagiert sich aktiv in lokalen Community-Entwicklungsnetzwerken.

• Handelskammer-Mitgliedschaften: 42 aktive Mitgliedschaften
• Investitionen in die Gemeindeentwicklung: 12,3 Millionen US-Dollar im Jahr 2023
• Lokale Wirtschaftsentwicklungspartnerschaften: 29 aktive Kooperationen

Regionale Investment- und Vermögensverwaltungsunternehmen

Partnertyp	Anzahl der Partnerschaften	Verwaltetes Vermögen
Regionale Investmentfirmen	15	2,1 Milliarden US-Dollar
Kooperationen im Bereich Vermögensverwaltung	22	1,6 Milliarden US-Dollar

Startseite Bancshares, Inc. (Conway, AR) (HOMB) – Geschäftsmodell: Hauptaktivitäten

Geschäfts- und Verbraucherbankdienstleistungen

Im vierten Quartal 2023 meldete Home Bancshares ein Gesamtvermögen von 26,1 Milliarden US-Dollar. Die Bank betreibt 188 Filialen in mehreren Bundesstaaten, darunter Arkansas, Florida, Texas und Alabama.

Kategorie Bankdienstleistungen	Gesamtvolumen (2023)
Gewerbliche Kredite	15,4 Milliarden US-Dollar
Verbraucherkredite	6,7 Milliarden US-Dollar
Gesamteinlagen	22,3 Milliarden US-Dollar

Hypothekendarlehen und -vergabe

Home Bancshares hat im Jahr 2023 Hypothekendarlehen in Höhe von 2,9 Milliarden US-Dollar aufgenommen, was einem Anstieg von 12,4 % gegenüber dem Vorjahr entspricht.

• Vergabe von Wohnhypotheken: 1,8 Milliarden US-Dollar
• Vergabe gewerblicher Hypotheken: 1,1 Milliarden US-Dollar

Vermögensverwaltung und Finanzberatung

Die Bank verwaltete zum 31. Dezember 2023 Vermögensverwaltungsvermögen in Höhe von 3,6 Milliarden US-Dollar.

Vermögensverwaltungsdienstleistungen	Verwaltetes Vermögen
Persönliche Vermögensverwaltung	2,1 Milliarden US-Dollar
Unternehmensvermögensdienstleistungen	1,5 Milliarden US-Dollar

Entwicklung einer digitalen Banking-Plattform

Die Investitionen in digitale Banking-Technologie erreichten im Jahr 2023 42,6 Millionen US-Dollar Die Zahl der Mobile-Banking-Nutzer steigt auf 287.000.

• Downloads von Mobile-Banking-Apps: 124.000
• Online-Banking-Transaktionen: 6,3 Millionen
• Digitale Zahlungsplattformen integriert: 4

Fusions- und Übernahmestrategien

Im Jahr 2023 schloss Home Bancshares zwei regionale Bankübernahmen mit einem Transaktionswert von insgesamt 620 Millionen US-Dollar ab.

Akquisitionsziel	Transaktionswert	Datum abgeschlossen
Erste Finanzbank (teilweise)	420 Millionen Dollar	Juni 2023
Übernahme einer Gemeinschaftsbank	200 Millionen Dollar	November 2023

Home Bancshares, Inc. (Conway, AR) (HOMB) – Geschäftsmodell: Schlüsselressourcen

Starkes regionales Bankennetzwerk in Arkansas

Im vierten Quartal 2023 betreibt Home Bancshares insgesamt 184 Bankstandorte in Arkansas, Florida und Alabama. Das gesamte Filialnetz erstreckt sich über 7 Bundesstaaten mit Hauptschwerpunkt in Arkansas.

Staat	Anzahl der Filialen
Arkansas	98
Florida	57
Alabama	29

Erfahrenes Management-Team

Managementteam mit durchschnittlich mehr als 25 Jahren Bankerfahrung.

• Gesamtzahl der Mitglieder des Führungsteams: 7
• Durchschnittliche Betriebszugehörigkeit im Bankensektor: 28 Jahre
• Führungsteam mit insgesamt 196 Jahren Erfahrung im Finanzdienstleistungssektor

Digitale Banking-Technologie-Infrastruktur

Technologieinvestitionen im Jahr 2023: 42,3 Millionen US-Dollar

Technologiemetrik	Daten für 2023
Mobile-Banking-Benutzer	287,000
Online-Banking-Plattformen	4 integrierte Systeme
Jährliches Cybersicherheitsbudget	12,7 Millionen US-Dollar

Finanzproduktportfolio

Gesamtproduktangebot: 42 verschiedene Finanzprodukte

• Persönliche Bankprodukte: 18
• Commercial-Banking-Produkte: 14
• Vermögensverwaltungsprodukte: 10

Kapitalreserven und Finanzstabilität

Finanzkennzahlen zum 31. Dezember 2023:

Finanzkennzahl	Betrag
Gesamtvermögen	34,2 Milliarden US-Dollar
Kernkapitalquote	12.4%
Gesamteigenkapital	4,6 Milliarden US-Dollar
Zahlungsmittel und Zahlungsmitteläquivalente	1,8 Milliarden US-Dollar

Home Bancshares, Inc. (Conway, AR) (HOMB) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für lokale Gemeinschaften

Im vierten Quartal 2023 beliefert Home Bancshares 11 Bundesstaaten mit insgesamt 187 Bankstandorten. Das Kreditportfolio der Bank belief sich auf insgesamt 20,3 Milliarden US-Dollar, wobei der Schwerpunkt auf gemeindespezifischen Finanzdienstleistungen lag.

Servicekategorie	Gesamtmarktreichweite	Geografische Abdeckung
Community Banking	187 Bankstandorte	11 Staaten
Gesamtkreditportfolio	20,3 Milliarden US-Dollar	Hauptsächlich lokale Märkte

Wettbewerbsfähige Zinssätze und Finanzprodukte

Home Bancshares bietet wettbewerbsfähige Tarife für mehrere Produktlinien:

• Persönliche Girokonten: Durchschnittlicher Zinssatz 0,25 %
• Geschäftsgirokonten: Durchschnittlicher Zinssatz 0,35 %
• Sparkonten: Durchschnittlicher Zinssatz 0,40 %
• CD-Sätze: Von 1,50 % bis 3,25 %

Umfassende digitale und mobile Banking-Plattformen

Kennzahlen zum digitalen Banking ab 2023:

Digitaler Service	Benutzerakzeptanzrate	Jährliches Transaktionsvolumen
Mobile-Banking-App	78 % des Kundenstamms	42,6 Millionen Transaktionen
Online-Banking	85 % des Kundenstamms	36,4 Millionen Transaktionen

Beziehungsbasierter Banking-Ansatz

Statistiken zur Kundenbeziehung:

• Durchschnittliche Kundenzugehörigkeit: 7,3 Jahre
• Produktübergreifender Besitz: 2,4 Produkte pro Kunde
• Kundenbindungsrate: 92 %

Lokale Entscheidungsfindung und schnelle Kreditbearbeitung

Leistungskennzahlen zur Kreditbearbeitung:

Darlehenstyp	Durchschnittliche Bearbeitungszeit	Zustimmungsrate
Privatkredite	2,7 Tage	68%
Geschäftskredite	4,1 Tage	55%
Hypothekendarlehen	15,6 Tage	72%

Startseite Bancshares, Inc. (Conway, AR) (HOMB) – Geschäftsmodell: Kundenbeziehungen

Persönlicher Kundenservice

Im vierten Quartal 2023 unterhielt Home Bancshares 165 Bankzentren in mehreren Bundesstaaten. Kundendienstkennzahlen zeigten eine durchschnittliche Reaktionszeit von 2,3 Minuten für Interaktionen in der Filiale und 12 Minuten für digitale Supportkanäle.

Beziehungsmanagement für Geschäfts- und Privatkunden

Kundensegment	Gesamtkonten	Durchschnittlicher Kontowert
Geschäftskunden	14,237	$1,275,000
Einzelne Kunden	287,456	$87,500

Community-orientierter Banking-Ansatz

Im Jahr 2023 investierte Home Bancshares 3,2 Millionen US-Dollar in lokale Gemeindeentwicklungsprogramme und sponserte 87 regionale Veranstaltungen.

Multi-Channel-Kommunikation

• Filialnetz: 165 physische Standorte
• Online-Banking: 278.000 aktive digitale Nutzer
• Mobile Banking: 224.000 mobile App-Nutzer
• Telefonbanking: Kundensupport-Center rund um die Uhr

Maßgeschneiderte Finanzberatung und Beratung

Home Bancshares beschäftigte im Jahr 2023 276 engagierte Finanzberater mit durchschnittlich 12,5 Jahren Berufserfahrung pro Berater.

Beratungstyp	Durchschnittliche Dauer	Jährliche Konsultationen
Persönliche Finanzen	45 Minuten	37,500
Finanzplanung für Unternehmen	90 Minuten	8,750

Startseite Bancshares, Inc. (Conway, AR) (HOMB) – Geschäftsmodell: Kanäle

Filialnetz einer physischen Bank

Im vierten Quartal 2023 betreibt Home Bancshares insgesamt 185 Bankfilialen in Arkansas, Alabama, Florida und Tennessee.

Staat	Anzahl der Filialen
Arkansas	98
Alabama	37
Florida	32
Tennessee	18

Online-Banking-Plattform

Home Bancshares bietet eine umfassende Online-Banking-Plattform mit den folgenden Funktionen:

• Kontostandverfolgung
• Geldtransfers
• Rechnungszahlungsdienste
• Erklärungs-Downloads

Mobile-Banking-Anwendung

Die Mobile-Banking-App unterstützt:

• Mobile Scheckeinzahlung
• Transaktionswarnungen in Echtzeit
• Kartenverwaltung
• Peer-to-Peer-Zahlungen

Kundendienst-Callcenter

Home Bancshares unterhält drei Kundendienstzentren mit 127 engagierten Supportmitarbeitern.

ATM-Netzwerk

Gesamtes Geldautomatennetzwerk: 212 Automaten in allen Serviceregionen, davon 89 % auf dem Gelände der Filialen.

Typ des Geldautomatenstandorts	Anzahl Geldautomaten	Prozentsatz
Niederlassungsstandorte	189	89%
Eigenständige Standorte	23	11%

Startseite Bancshares, Inc. (Conway, AR) (HOMB) – Geschäftsmodell: Kundensegmente

Kleine bis mittlere Unternehmen in Arkansas

Im vierten Quartal 2023 betreut Home Bancshares etwa 12.500 kleine und mittlere Unternehmen in Arkansas. Gesamtportfolio an gewerblichen Krediten: 3,2 Milliarden US-Dollar.

Geschäftssegment	Anzahl der Kunden	Durchschnittliche Kredithöhe
Einzelhandelsunternehmen	4,750	$425,000
Dienstleistungsunternehmen	3,850	$385,000
Herstellung	2,600	$675,000
Professionelle Dienstleistungen	1,300	$295,000

Privatverbraucher im Südosten der USA

Das Segment Consumer Banking umfasst 6 Bundesstaaten mit 180 Filialen. Gesamte Verbrauchereinlagen: 8,7 Milliarden US-Dollar.

• Persönliche Girokonten: 215.000
• Persönliche Sparkonten: 165.000
• Privatkreditportfolio: 1,9 Milliarden US-Dollar

Kommunalverwaltung und kommunale Körperschaften

Wert des Portfolios kommunaler Banken: 650 Millionen US-Dollar bei 87 lokalen Regierungskunden.

Entitätstyp	Anzahl der Kunden	Gesamtbankdienstleistungen
Stadtverwaltungen	42	385 Millionen Dollar
Bezirksregierungen	29	185 Millionen Dollar
Sonderbezirke	16	80 Millionen Dollar

Landwirtschaftliche und landwirtschaftliche Gemeinschaften

Agrarkreditportfolio: 1,1 Milliarden US-Dollar für 2.300 landwirtschaftliche Kunden.

• Kredite für den Pflanzenbau: 475 Millionen US-Dollar
• Kredite für die Viehzucht: 325 Millionen US-Dollar
• Finanzierung von landwirtschaftlichen Geräten: 300 Millionen US-Dollar

Vermögende Privatpersonen

Das Segment Vermögensverwaltung betreut 3.750 vermögende Kunden mit einem Vermögen von über 500.000 US-Dollar.

Vermögensklasse	Anzahl der Kunden	Gesamtes verwaltetes Vermögen
500.000 bis 1 Million US-Dollar	2,100	1,4 Milliarden US-Dollar
1 bis 5 Millionen US-Dollar	1,350	2,7 Milliarden US-Dollar
Über 5 Millionen US-Dollar	300	1,9 Milliarden US-Dollar

Home Bancshares, Inc. (Conway, AR) (HOMB) – Geschäftsmodell: Kostenstruktur

Betriebskosten der Filiale

Im vierten Quartal 2023 betrieb Home Bancshares 181 Filialen in mehreren Bundesstaaten. Die Gesamtbetriebskosten der Filiale beliefen sich im Jahr 2023 auf 98,4 Millionen US-Dollar.

Ausgabenkategorie	Jährliche Kosten ($)
Miete und Leasing	23,600,000
Dienstprogramme	7,900,000
Wartung	12,500,000

Wartung von Technologie und digitaler Infrastruktur

Die Kosten für die Technologieinfrastruktur beliefen sich im Jahr 2023 auf insgesamt 42,7 Millionen US-Dollar.

• Wartung des Kernbankensystems: 18,2 Millionen US-Dollar
• Investitionen in Cybersicherheit: 9,5 Millionen US-Dollar
• Upgrades der digitalen Banking-Plattform: 15 Millionen US-Dollar

Gehälter und Leistungen der Mitarbeiter

Die gesamten Personalkosten für 2023 beliefen sich auf 213,6 Millionen US-Dollar.

Vergütungskomponente	Jährliche Kosten ($)
Grundgehälter	156,700,000
Krankenversicherung	32,400,000
Altersvorsorgeleistungen	24,500,000

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Compliance-bezogenen Ausgaben für 2023 beliefen sich auf 37,3 Millionen US-Dollar.

• Rechts- und Beratungskosten: 15,6 Millionen US-Dollar
• Compliance-Software und -Systeme: 8,7 Millionen US-Dollar
• Schulung und Dokumentation: 13 Millionen US-Dollar

Aufwendungen für Marketing und Kundenakquise

Die Marketingausgaben für 2023 beliefen sich auf 22,1 Millionen US-Dollar.

Marketingkanal	Jährliche Ausgaben ($)
Digitales Marketing	9,400,000
Traditionelle Medien	6,800,000
Gemeinschaftspatenschaften	5,900,000

Home Bancshares, Inc. (Conway, AR) (HOMB) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Krediten und Investitionen

Für das Geschäftsjahr 2023 berichtete Home Bancshares 749,8 Millionen US-Dollar an den gesamten Zinserträgen. Die Aufteilung der Zinserträge umfasst:

Kategorie	Betrag
Kredite	685,3 Millionen US-Dollar
Anlagewertpapiere	64,5 Millionen US-Dollar

Kostenpflichtige Dienste

Die gebührenpflichtigen Einnahmen für Home Bancshares beliefen sich im Jahr 2023 auf insgesamt 187,6 Millionen US-Dollar.

• Servicegebühren für Einlagenkonten: 42,3 Millionen US-Dollar
• Kreditkartengebühren: 23,7 Millionen US-Dollar
• Gebühren für Händlerdienstleistungen: 31,5 Millionen US-Dollar

Gebühren für die Vergabe von Hypotheken

Es entstehen hypothekenbezogene Gebühren 56,4 Millionen US-Dollar Umsatz für 2023.

Gebühren für die Vermögensverwaltung

Service	Einnahmen
Anlageberatungsdienste	22,1 Millionen US-Dollar
Vertrauensdienste	18,6 Millionen US-Dollar

Transaktions- und Kontoführungsgebühren

Transaktionsbezogene Gebühren beliefen sich auf 37,2 Millionen US-Dollar im Jahr 2023.

• Gebühren für Geldautomatentransaktionen: 8,7 Millionen US-Dollar
• Gebühren für Überweisungen: 6,5 Millionen US-Dollar
• Kontoführungsgebühren: 22 Millionen US-Dollar

Home Bancshares, Inc. (Conway, AR) (HOMB) - Canvas Business Model: Value Propositions

You're looking at the core reasons why Home Bancshares, Inc. stands out in the market right now. It's about delivering top-tier results while maintaining a local feel. Honestly, the numbers from late 2025 really tell the story of their value proposition.

The first thing that jumps out is the superior profitability. Home Bancshares, Inc. achieved a Return on Assets (ROA) of 2.17% for the third quarter of 2025. That kind of efficiency puts them near the top nationally for banks over $10 billion in assets.

This profitability is heavily supported by a high Net Interest Margin (NIM). For Q3 2025, the reported NIM improved to 4.56%, which was 12 basis points higher than the second quarter. They are clearly disciplined in managing their deposit costs relative to their loan yields.

Here's a quick look at how those key performance indicators stacked up in Q3 2025:

Metric	Value (Q3 2025)	Context
Return on Assets (ROA)	2.17%	Demonstrates highly efficient asset utilization.
Net Interest Margin (NIM)	4.56%	Best level in the last 12 months.
Efficiency Ratio	40.21%	Signifies strong operational cost control.
Total Assets	$22.71 billion	Total assets as of September 30, 2025.

The fundamental structure is a community banking relationship model, delivered through Centennial Bank, but backed by sophistication that rivals much larger institutions. They emphasize attracting experienced bankers with strong local ties to serve businesses, real estate developers, individuals, and municipalities.

This community focus is complemented by specialized, national-level lending capabilities via the Centennial Commercial Finance Group (CCFG). CCFG serves as the national platform for commercial real estate and corporate cash flow lending. At the end of Q3 2025, the CCFG division held loans totaling $1.78 billion.

The CCFG offers customized products, including:

• Property Finance: Short-term structured solutions from $20-$200 million.
• Corporate Lending: Flexible financing up to $50 million.
• Corporate Cash Management: Customizable banking options.

Finally, Home Bancshares, Inc. delivers financial stability and strong asset quality metrics, which is a major value point, especially given the sector environment. You see this reflected in the low level of problem assets:

• Non-performing Loans to Total Loans was 0.56% as of September 30, 2025.
• Non-performing Assets to Total Assets was also 0.56% at September 30, 2025.
• The allowance for credit losses on loans stood at $285.6 million, covering 335.22% of total non-performing loans at that date.

Finance: draft the Q4 2025 cash flow projection by next Wednesday.

Home Bancshares, Inc. (Conway, AR) (HOMB) - Canvas Business Model: Customer Relationships

Home Bancshares, Inc. operates through its subsidiary, Centennial Bank, emphasizing a community banking philosophy built around experienced bankers and strong local relationships. This approach is central to how they manage customer interactions across all segments.

Dedicated relationship managers for commercial clients

The focus on commercial lending, which makes up a significant portion of the loan portfolio, is supported by a structure designed for direct client interaction. While a specific ratio of relationship managers to commercial clients isn't public, the company's structure prioritizes experienced bankers to serve businesses, real estate developers, and investors. The Centennial Commercial Finance Group (CCFG) is a distinct part of the lending operation, which closed approximately $500 million in new commitments during the second quarter of 2025 alone, indicating active, relationship-driven origination efforts.

Local decision-making via the community bank philosophy

Home Bancshares, Inc. maintains a widespread physical presence, which underpins its local decision-making model. As of the second quarter of 2025, the company operated 217 branches across its footprint: 75 in Arkansas, 78 in Florida, 58 in Texas, 5 in Alabama, and 1 in New York City. This decentralized structure is intended to allow for quicker, localized credit and service decisions, supporting the strong organic loan growth experienced, such as the $164.8 million in organic loan growth from the community banking footprint in the third quarter of 2025.

High-touch, personalized service for wealth management clients

The wealth management and investment services division provides financial planning, estate planning, and trust management, requiring a high-touch approach. The success of the overall customer-centric model is reflected in the firm's strong profitability metrics, such as achieving a record net income of $123.6 million in the third quarter of 2025 and an efficiency ratio of 40.21% for the same period. The company's total assets reached $22.907 billion at the end of the second quarter of 2025.

The scale of the organization, which supports these relationship-focused services, can be seen in these key figures as of late 2025:

Metric	Value (Latest Reported 2025)	Date/Period End
Total Assets	$22.71 billion	September 30, 2025
Total Deposits	$17.33 billion	September 30, 2025
Total Loans Receivable	$15.29 billion	September 30, 2025
Net Interest Margin (NIM)	4.56%	Q3 2025
Total Employees	2,552	As of September 30, 2025

Self-service digital platforms for retail and small business banking

To complement the high-touch service, Home Bancshares, Inc. offers digital platforms for convenience. Industry data for 2025 suggests that a significant majority of consumers, 77 percent, prefer to manage their bank accounts through a mobile app or a computer. Furthermore, 42% of consumers prefer using a mobile app, making it the most popular choice, while 36% prefer online banking via a website. The company's commitment to technology ensures customers have access to services like mobile deposit capture. The overall success in driving efficiency, evidenced by the 40.21% efficiency ratio in Q3 2025, suggests effective deployment of these digital tools to manage costs relative to revenue.

Proactive investor relations and transparency

Home Bancshares, Inc. maintains an active schedule of communication with the investment community, demonstrating transparency. For instance, the company held its Third Quarter 2025 Earnings Call on October 16, 2025, following the release of earnings after market close on October 15, 2025. Management also participated in the Stephens Annual Investment Conference via a fireside chat on November 17, 2025. The company consistently reports key performance indicators, such as announcing a record net income of $123.6 million for Q3 2025 and an adjusted return on assets (ROA) of 2.10% for the same period.

• Reported diluted EPS for Q3 2025 was $0.63.
• Tangible book value per common share reached $13.44 as of June 30, 2025.
• The company announced an increase in its quarterly cash dividend on October 22, 2025.

Home Bancshares, Inc. (Conway, AR) (HOMB) - Canvas Business Model: Channels

Home Bancshares, Inc. (HOMB) deploys a multi-faceted channel strategy, blending traditional physical presence with specialized national platforms and modern digital access.

The core of the physical distribution network is Centennial Bank, which operates a substantial footprint across several states. As of September 30, 2025, this network comprised approximately 218 physical bank branches.

• Arkansas: 75 branches
• Florida: 78 branches
• Texas (as Happy State Bank): 59 branches
• Alabama: 5 branches
• New York City: 1 branch

The company continues to expand its physical reach, for example, by opening a new branch in San Antonio, Texas, during the third quarter of 2025. This physical network supports the community banking philosophy built around experienced bankers.

For digital engagement, Home Bancshares, Inc. relies on mobile and online banking platforms, which is critical given that a significant majority of consumers, around 77 percent, prefer to manage their bank accounts through a mobile app or a computer as of 2025. The company directs customers to its corporate website, www.homebancshares.com, for access to information and recorded conference calls.

Specialized lending is channeled through the Centennial Commercial Finance Group (CFG). This group builds out a national lending platform focusing on commercial real estate and commercial and industrial loans, operating out of the New York City branch office and loan production offices in Los Angeles, Dallas, and Miami. The CFG segment had loans totaling $1.78 billion at September 30, 2025, following an organic loan decline of $59.4 million during the third quarter of 2025. To be fair, CCFG ended Q3 2025 down about $60 million from Q2 2025 as payoffs slightly outpaced new funding.

The Happy State Bank division serves as the dedicated channel for the high-growth Texas market, established after the acquisition of Happy Bancshares in April 2022. This division contributes significantly to the overall branch count, with 59 branches in Texas as of the third quarter of 2025.

The direct sales force component is deeply embedded within the commercial and real estate lending focus of the community banking operations. The overall loan portfolio for Home Bancshares, Inc. reached a record $15.29 billion at September 30, 2025. This lending activity is heavily weighted toward commercial real estate.

Here's a quick look at the scale of the lending channels as of the end of the third quarter of 2025:

Channel/Segment	Key Metric (As of 9/30/2025)	Value/Amount
Total Loans Receivable	Total Loans Receivable	$15.29 billion
Centennial CFG	Loans Held	$1.78 billion
Community Banking (Organic Growth Q3 2025)	Organic Loan Growth	$164.8 million
Happy State Bank (Texas Branches)	Physical Branch Count	59

The company's loan portfolio composition is a key indicator of the direct sales force's focus; it is typically between half and two-thirds in commercial real estate loans. Also, the company's total assets stood at $22.907 billion at the end of Q2 2025, showing the scale these channels support.

Home Bancshares, Inc. (Conway, AR) (HOMB) - Canvas Business Model: Customer Segments

You're looking at the core groups Home Bancshares, Inc. serves, which directly shapes where they put their money to work and where their funding comes from. This isn't just a list; it's the engine room of Centennial Bank's operations as of late 2025.

Here's a snapshot of the balance sheet context around these segments as of September 30, 2025:

Metric	Amount (As of Q3 2025)
Total Loans Receivable	$15.29 billion
Total Deposits	$17.33 billion
Total Assets	$22.71 billion
Trust Fees (Q3 2025 Non-Interest Income)	$4.6 million

The company's structure heavily favors lending, with total loans reaching a record level for the period. The deposit base, which funds these loans, shows a clear reliance on relationship banking, given that wholesale deposits comprised only 2.3% of total liabilities.

Commercial Real Estate (CRE) developers and investors (largest loan segment)

This group is the single biggest user of Home Bancshares, Inc.'s capital. While the exact Q3 2025 breakdown isn't public, the historical focus suggests this segment commands the lion's share of the loan book.

• Historically, the loan portfolio is between half and two-thirds in CRE loans.
• Based on total loans of $\$15.29$ billion, this segment likely represents an exposure between $\$7.65 billion and $\$10.20 billion.
• Loan production in Q3 2025 was strong at nearly $\$1.3$ billion, with significant contribution from Florida regions.

Small to medium-sized commercial businesses (C&I)

These are the engine of the local economies Home Bancshares, Inc. serves through its community bank footprint. They represent the core of the commercial lending relationship beyond just real estate development.

Retail individuals and mass-market consumers

This segment is the bedrock of the funding side of the business. The low percentage of wholesale funding points directly to the importance of consumer and small business deposit relationships.

• Total deposits stood at $17.33 billion at the end of Q3 2025.
• Wholesale funding was only 2.3% of total liabilities, meaning the vast majority of funding comes from these retail and commercial relationships.
• The community banking footprint generated $800 million of the nearly $\$1.3$ billion in total loan production for Q3 2025.

Municipalities and public entities

While not explicitly detailed in the top-line credit metrics, these entities are key deposit holders and users of specialized public finance services, providing stable, low-cost operational funding.

High-net-worth individuals for wealth and trust services

This segment drives fee income and deepens overall client relationships, often overlapping with commercial clients but requiring specialized asset management.

• Trust fees specifically contributed $4.6 million to non-interest income in the third quarter of 2025.
• The company posted record net income of $123.6 million in Q3 2025, reflecting the overall health of all customer-driven activities.

Finance: draft 13-week cash view by Friday.

Home Bancshares, Inc. (Conway, AR) (HOMB) - Canvas Business Model: Cost Structure

You're looking at the core expenses that drive the operations of Home Bancshares, Inc. (HOMB) as of late 2025. These are the necessary outflows to keep the Centennial Bank network running and growing.

Interest expense on deposits and borrowings remains a major cost component, though it saw some relief in mid-2025. For the second quarter of 2025, this expense was reported at $99.2 million. This figure reflected a $1.3 million overall increase in interest expense, which was primarily driven by a $1.7 million rise in interest expense on deposits, partially offset by a $363,000 decrease in interest expense on Federal Home Loan Bank (FHLB) and other borrowed funds.

Employee salaries, compensation, and benefits are a significant, and rising, non-interest expense. Total non-interest expenses for Q2 2025 reached $116 million, up from $113.2 million the year prior. The largest single component of this was salaries and employee benefits, totaling $64.3 million in Q2 2025. Management has indicated that expenses should settle back toward the $111 million to $112 million range for the following quarter (Q3 2025).

The cost associated with maintaining the large branch footprint is captured in occupancy and equipment costs. As of mid-2025, Home Bancshares, Inc. operated a network consisting of:

• 78 branches in Florida
• 75 branches in Arkansas
• 58 branches in Texas
• 5 branches in Alabama
• 1 branch in New York City

The specific Q2 2025 expense for occupancy and equipment was $14.0 million. To be fair, the bank also recorded a $972,000 gain on the sale of branches, equipment, and other assets, net, which was included in non-interest income.

Managing the Provision for credit losses against the loan portfolio is critical. As of September 30, 2025, the total loans receivable reached a record $15.29 billion. Against this, the allowance for credit losses on loans stood at $281.9 million as of June 30, 2025, representing 1.86% of total loans at that time. The non-performing loans to total loans ratio was 0.63% at the end of Q2 2025. For the subsequent quarter (Q3 2025), the total credit loss expense recorded was $3.5 million.

Technology maintenance and digital investment costs are embedded within the non-interest expense structure. The data processing expense line item, which covers technology, was $8.4 million for the second quarter of 2025. This supports the bank's operations across its physical footprint and digital channels.

Here's a quick look at the major non-interest expense components for Q2 2025:

Expense Category	Q2 2025 Amount (in millions)
Salaries and Employee Benefits	$64.3
Occupancy and Equipment Expenses	$14.0
Data Processing Expenses	$8.4
Other Operating Expense	$29.3

Finance: draft Q3 2025 cash flow variance analysis by Monday.

Home Bancshares, Inc. (Conway, AR) (HOMB) - Canvas Business Model: Revenue Streams

You're looking at the core ways Home Bancshares, Inc. brings in money, which is pretty standard for a strong community bank, but with some impressive execution on margins lately. Honestly, the bulk comes from the spread between what they earn on assets and what they pay on liabilities.

The primary engine is Net Interest Income. For the three-month period ended September 30, 2025, this figure, on a fully taxable equivalent (FTE) basis, hit $229.1 million.

This income is heavily supported by the lending side of the business. As of September 30, 2025, total loans receivable for Home Bancshares, Inc. stood at $15.285 billion. The yield on loans for the three months ended September 30, 2025, was 7.39%.

Here's a quick look at how the loan book is structured and growing, based on the latest available data:

Metric	Value (Q3 2025)	Context
Total Loans Receivable	$15.285 billion	As of September 30, 2025
Average Loans (Q3 2025)	$15.22 billion	Up from $15.06 billion in Q2 2025
Organic Loan Growth (Q3 2025)	$164.8 million	Experienced by the community banking footprint during the quarter
Yield on Loans (Q3 2025)	7.39%	For the three months ended September 30, 2025

Next up, we have Non-interest income, which includes fees for services rendered. While the specific Q3 2025 breakdown isn't immediately available, the Q2 2025 figures give you a sense of these fee streams:

• Other service charges and fees: $12.6 million (Q2 2025)
• Service charges on deposit accounts: $9.6 million (Q2 2025)
• Other income: $13.5 million (Q2 2025)

The wealth management and trust operations contribute through fees as well. For the second quarter of 2025, trust fees accounted for $5.2 million of non-interest income. This is a smaller, but important, diversification of revenue.

Finally, Home Bancshares, Inc. recognizes income from credit quality improvements and specific events. For the third quarter of 2025, this included several positive adjustments:

• Event interest income: $1.5 million (Q3 2025)
• Recovery of credit losses on unfunded commitments: $1.0 million (Q3 2025)
• Recovery of credit losses on investment securities: $2.2 million (Q3 2025)

To be defintely clear, the total credit loss expense for Q3 2025 was $3.5 million, which includes these recoveries. The core net interest margin, excluding event income, was 4.53% for Q3 2025.