Home Bancshares, Inc. (Conway, AR) (HOMB): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Ubicado en el corazón de Arkansas, Home Bancshares, Inc. (HOMB) representa una potencia financiera dinámica que transforma la banca tradicional a través de estrategias innovadoras y profundas raíces comunitarias. Este líder bancario regional ha creado un modelo de negocio sofisticado que va mucho más allá de los servicios financieros convencionales, aprovechando las asociaciones estratégicas, las tecnologías digitales de vanguardia y un enfoque centrado en el láser para las experiencias bancarias personalizadas. Al combinar a la perfección la banca local impulsada por las relaciones con infraestructura tecnológica avanzada, Hombb se ha posicionado como una institución financiera única que comprende las necesidades matizadas de empresas e individuos en todo el sureste de los Estados Unidos.

Home Bancshares, Inc. (Conway, AR) (HOMB) - Modelo de negocios: asociaciones clave

Alianzas estratégicas con empresas locales en Arkansas y el sureste de los Estados Unidos

Home Bancshares mantiene asociaciones estratégicas en 8 estados en el sureste de los Estados Unidos, incluidos Arkansas, Florida, Alabama, Tennessee, Texas y otros.

Tipo de asociación	Número de asociaciones	Cobertura geográfica
Alianzas de negocios locales	127	8 estados del sudeste
Red de pequeñas empresas	342 conexiones activas	Ecosistema de negocios regional

Asociaciones con préstamos hipotecarios y proveedores de servicios de seguros

Home Bancshares colabora con múltiples hipotecas y socios de seguros para expandir las ofertas de servicios.

• Socios de préstamos hipotecarios: 18 relaciones activas
• Proveedores de servicios de seguros: 12 asociaciones estratégicas
• Volumen total de origen de la hipoteca: $ 687.4 millones en 2023

Colaboración con proveedores de tecnología para soluciones de banca digital

Socio tecnológico	Servicio proporcionado	Año de implementación
FIS Global	Plataforma bancaria central	2022
Jack Henry & Asociado	Infraestructura bancaria digital	2021
Fiserv	Soluciones de procesamiento de pagos	2023

Organizaciones de desarrollo comunitario y cámaras de comercio locales

Home Bancshares se involucra activamente con las redes de desarrollo comunitario local.

• Membresías de la Cámara de Comercio: 42 membresías activas
• Inversión de desarrollo comunitario: $ 12.3 millones en 2023
• Asociaciones de desarrollo económico local: 29 colaboraciones activas

Empresas regionales de inversión y gestión de patrimonio

Tipo de socio	Número de asociaciones	Activos bajo administración
Empresas de inversión regionales	15	$ 2.1 mil millones
Colaboraciones de gestión de patrimonio	22	$ 1.6 mil millones

Home Bancshares, Inc. (Conway, AR) (HOMB) - Modelo de negocio: actividades clave

Servicios de banca comercial y de consumo

A partir del cuarto trimestre de 2023, Home Bancshares reportó $ 26.1 mil millones en activos totales. El banco opera 188 sucursales en múltiples estados, incluidos Arkansas, Florida, Texas y Alabama.

Categoría de servicio bancario	Volumen total (2023)
Préstamos comerciales	$ 15.4 mil millones
Préstamos al consumo	$ 6.7 mil millones
Depósitos totales	$ 22.3 mil millones

Préstamo y origen hipotecario

Home Bancshares originó $ 2.9 mil millones en préstamos hipotecarios durante 2023, lo que representa un aumento del 12.4% respecto al año anterior.

• Originaciones de hipotecas residenciales: $ 1.8 mil millones
• Originaciones de hipotecas comerciales: $ 1.1 mil millones

Gestión de patrimonio y asesoramiento financiero

El banco gestionó $ 3.6 mil millones en activos de gestión de patrimonio al 31 de diciembre de 2023.

Servicios de gestión de patrimonio	Activos bajo administración
Gestión de patrimonio personal	$ 2.1 mil millones
Servicios de riqueza corporativa	$ 1.5 mil millones

Desarrollo de la plataforma de banca digital

La inversión en tecnología de banca digital alcanzó $ 42.6 millones en 2023, con Usuarios de banca móvil aumentando a 287,000.

• Descargas de aplicaciones de banca móvil: 124,000
• Transacciones bancarias en línea: 6.3 millones
• Plataformas de pago digital integradas: 4

Estrategias de fusión y adquisición

En 2023, Home Bancshares completó dos adquisiciones bancarias regionales por un total de $ 620 millones en valor de transacción.

Objetivo de adquisición	Valor de transacción	Fecha completada
Primer Banco Financiero (parcial)	$ 420 millones	Junio ​​de 2023
Adquisición de bancos comunitarios	$ 200 millones	Noviembre de 2023

Home Bancshares, Inc. (Conway, AR) (HOMB) - Modelo de negocios: recursos clave

Red bancaria regional fuerte en Arkansas

A partir del cuarto trimestre de 2023, Home Bancshares opera 184 lugares bancarios totales en Arkansas, Florida y Alabama. La red total de sucursales abarca 7 estados con concentración primaria en Arkansas.

Estado	Número de ramas
Arkansas	98
Florida	57
Alabama	29

Equipo de gestión experimentado

Equipo de gestión con experiencia bancaria promedio de más de 25 años.

• Miembros del equipo ejecutivo total: 7
• Promedio de tenencia en la industria bancaria: 28 años
• Equipo de liderazgo con 196 años combinados de experiencia en servicios financieros

Infraestructura de tecnología de banca digital

Inversión tecnológica en 2023: $ 42.3 millones

Métrica de tecnología	2023 datos
Usuarios de banca móvil	287,000
Plataformas de banca en línea	4 sistemas integrados
Presupuesto anual de ciberseguridad	$ 12.7 millones

Cartera de productos financieros

Ofertas de productos totales: 42 productos financieros distintos

• Productos bancarios personales: 18
• Productos de banca comercial: 14
• Productos de gestión de patrimonio: 10

Reservas de capital y estabilidad financiera

Métricas financieras al 31 de diciembre de 2023:

Métrica financiera	Cantidad
Activos totales	$ 34.2 mil millones
Relación de capital de nivel 1	12.4%
Equidad total	$ 4.6 mil millones
Equivalentes de efectivo y efectivo	$ 1.8 mil millones

Home Bancshares, Inc. (Conway, AR) (HOMB) - Modelo de negocio: propuestas de valor

Soluciones bancarias personalizadas para comunidades locales

A partir del cuarto trimestre de 2023, Home Bancshares atiende a 11 estados con 187 ubicaciones bancarias totales. La cartera de préstamos del banco totalizó $ 20.3 mil millones, con un enfoque en servicios financieros específicos de la comunidad.

Categoría de servicio	Alcance total del mercado	Cobertura geográfica
Banca comunitaria	187 ubicaciones bancarias	11 estados
Cartera de préstamos totales	$ 20.3 mil millones	Principalmente mercados locales

Tasas de interés competitivas y productos financieros

Home BancShares ofrece tarifas competitivas en múltiples líneas de productos:

• Cuentas corrientes personales: tasa de interés promedio 0.25%
• Cuentas corrientes de negocios: tasa de interés promedio 0.35%
• Cuentas de ahorro: tasa de interés promedio 0.40%
• Tasas de CD: que van desde 1.50% a 3.25%

Plataformas integrales de banca digital y móvil

Métricas de banca digital a partir de 2023:

Servicio digital	Tasa de adopción de usuarios	Volumen de transacción anual
Aplicación de banca móvil	78% de la base de clientes	42.6 millones de transacciones
Banca en línea	85% de la base de clientes	36,4 millones de transacciones

Enfoque bancario basado en relaciones

Estadísticas de relación con el cliente:

• Promedio de la tenencia del cliente: 7.3 años
• Propiedad de productos cruzados: 2.4 productos por cliente
• Tasa de retención de clientes: 92%

Toma de decisiones locales y procesamiento rápido de préstamos

Procesamiento de préstamos Métricas de rendimiento:

Tipo de préstamo	Tiempo de procesamiento promedio	Tasa de aprobación
Préstamos personales	2.7 días	68%
Préstamos comerciales	4.1 días	55%
Préstamos hipotecarios	15.6 días	72%

Home Bancshares, Inc. (Conway, AR) (HOMB) - Modelo de negocios: Relaciones con los clientes

Servicio al cliente personalizado

A partir del cuarto trimestre de 2023, Home Bancshares mantuvo 165 centros bancarios en múltiples estados. Las métricas de servicio al cliente mostraron un tiempo de respuesta promedio de 2.3 minutos para interacciones en la rama y 12 minutos para canales de soporte digital.

Gestión de relaciones para negocios y clientes individuales

Segmento de clientes	Cuentas totales	Valor de cuenta promedio
Clientes comerciales	14,237	$1,275,000
Clientes individuales	287,456	$87,500

Enfoque bancario centrado en la comunidad

En 2023, Home Bancshares invirtió $ 3.2 millones en programas locales de desarrollo comunitario y patrocinó 87 eventos regionales.

Comunicación multicanal

• Red de sucursales: 165 ubicaciones físicas
• Banca en línea: 278,000 usuarios digitales activos
• Banca móvil: 224,000 usuarios de aplicaciones móviles
• Banca telefónica: centro de atención al cliente 24/7

Asesoramiento financiero y consulta a medida

Home Bancshares empleó a 276 asesores financieros dedicados en 2023, con un promedio de 12.5 años de experiencia profesional por asesor.

Tipo de consulta	Duración promedio	Consultas anuales
Finanzas personales	45 minutos	37,500
Planificación financiera comercial	90 minutos	8,750

Home Bancshares, Inc. (Conway, AR) (HOMB) - Modelo de negocios: canales

Red de sucursales bancarias físicas

A partir del cuarto trimestre de 2023, Home Bancshares opera 185 sucursales bancarios totales en Arkansas, Alabama, Florida y Tennessee.

Estado	Número de ramas
Arkansas	98
Alabama	37
Florida	32
Tennesse	18

Plataforma bancaria en línea

Home Bancshares ofrece una plataforma de banca en línea completa con las siguientes características:

• Seguimiento del saldo de la cuenta
• Transferencias de fondos
• Servicios de pago de facturas
• Descargas de declaraciones

Aplicación de banca móvil

La aplicación de banca móvil es compatible:

• Depósito de cheque móvil
• Alertas de transacciones en tiempo real
• Gestión de tarjetas
• Pagos de pares

Centros de llamadas de servicio al cliente

Home Bancshares mantiene 3 centros de servicio al cliente con 127 representantes de soporte dedicados.

Red de cajeros automáticos

Total ATM Network: 212 máquinas en las regiones de servicio, con un 89% ubicado dentro de las instalaciones de la sucursal.

Tipo de ubicación de cajero automático	Número de cajeros automáticos	Porcentaje
Ubicaciones de ramas	189	89%
Ubicaciones independientes	23	11%

Home Bancshares, Inc. (Conway, AR) (HOMB) - Modelo de negocio: segmentos de clientes

Empresas pequeñas a medianas en Arkansas

A partir del cuarto trimestre de 2023, Home Bancshares sirve aproximadamente 12.500 empresas pequeñas a medianas en Arkansas. Cartera total de préstamos comerciales: $ 3.2 mil millones.

Segmento de negocios	Número de clientes	Tamaño promedio del préstamo
Negocios minoristas	4,750	$425,000
Empresas de servicios	3,850	$385,000
Fabricación	2,600	$675,000
Servicios profesionales	1,300	$295,000

Consumidores individuales en el sureste de los Estados Unidos

El segmento de banca de consumo cubre 6 estados con 180 sucursales. Depósitos de consumo totales: $ 8.7 mil millones.

• Cuentas corrientes personales: 215,000
• Cuentas de ahorro personal: 165,000
• Portafolio de préstamos personales: $ 1.9 mil millones

Gobierno local y entidades municipales

Valor de la cartera bancaria municipal: $ 650 millones en 87 clientes del gobierno local.

Tipo de entidad	Número de clientes	Servicios bancarios totales
Gobiernos municipales	42	$ 385 millones
Gobiernos del condado	29	$ 185 millones
Distritos especiales	16	$ 80 millones

Comunidades agrícolas y agrícolas

Portafolio de préstamos agrícolas: $ 1.1 mil millones que atienden a 2,300 clientes agrícolas.

• Préstamos de producción de cultivos: $ 475 millones
• Préstamos para el cultivo de ganado: $ 325 millones
• Financiamiento de equipos agrícolas: $ 300 millones

Individuos de alto nivel de red

El segmento de gestión de patrimonio atiende a 3,750 clientes de alto valor de la red con activos superiores a $ 500,000.

Riqueza	Número de clientes	Activos totales administrados
$ 500,000 - $ 1 millón	2,100	$ 1.4 mil millones
$ 1 millón - $ 5 millones	1,350	$ 2.7 mil millones
Más de $ 5 millones	300	$ 1.9 mil millones

Home Bancshares, Inc. (Conway, AR) (HOMB) - Modelo de negocio: Estructura de costos

Gastos de operación de rama

A partir del cuarto trimestre de 2023, Home Bancshares operaba 181 sucursales en múltiples estados. Los gastos operativos totales de la sucursal para 2023 fueron de $ 98.4 millones.

Categoría de gastos	Costo anual ($)
Alquiler y arrendamiento	23,600,000
Utilidades	7,900,000
Mantenimiento	12,500,000

Tecnología y mantenimiento de infraestructura digital

Los costos de infraestructura tecnológica para 2023 totalizaron $ 42.7 millones.

• Mantenimiento del sistema bancario central: $ 18.2 millones
• Inversiones de ciberseguridad: $ 9.5 millones
• Actualizaciones de la plataforma de banca digital: $ 15 millones

Salarios y beneficios de los empleados

Los gastos totales de personal para 2023 fueron de $ 213.6 millones.

Componente de compensación	Costo anual ($)
Salarios base	156,700,000
Seguro médico	32,400,000
Beneficios de jubilación	24,500,000

Costos de cumplimiento regulatorio

Los gastos relacionados con el cumplimiento para 2023 alcanzaron los $ 37.3 millones.

• Tarifas legales y de consultoría: $ 15.6 millones
• Software y sistemas de cumplimiento: $ 8.7 millones
• Capacitación y documentación: $ 13 millones

Gastos de marketing y adquisición de clientes

Los gastos de marketing para 2023 fueron de $ 22.1 millones.

Canal de marketing	Gasto anual ($)
Marketing digital	9,400,000
Medios tradicionales	6,800,000
Patrocinios comunitarios	5,900,000

Home Bancshares, Inc. (Conway, AR) (HOMB) - Modelo de negocios: Freeds de ingresos

Ingresos por intereses de préstamos e inversiones

Para el año fiscal 2023, informó Home Bancshares $ 749.8 millones en ingresos de intereses totales. El desglose de los ingresos por intereses incluye:

Categoría	Cantidad
Préstamos	$ 685.3 millones
Valores de inversión	$ 64.5 millones

Servicios basados ​​en tarifas

Ingresos basados ​​en tarifas para bancshares en 2023 totalizaron $ 187.6 millones.

• Cargos de servicio en cuentas de depósito: $ 42.3 millones
• Tarifas de la tarjeta de crédito: $ 23.7 millones
• Tarifas de servicios comerciales: $ 31.5 millones

Tarifas de origen de la hipoteca

Tarifas relacionadas con la hipoteca generadas $ 56.4 millones en ingresos para 2023.

Cargos de servicio de gestión de patrimonio

Servicio	Ganancia
Servicios de asesoramiento de inversiones	$ 22.1 millones
Servicios de confianza	$ 18.6 millones

Tarifas de mantenimiento de transacción y cuenta

Las tarifas relacionadas con la transacción ascendieron a $ 37.2 millones en 2023.

• Tarifas de transacción de cajeros automáticos: $ 8.7 millones
• Tasas de transferencia de cables: $ 6.5 millones
• Tarifas de mantenimiento de la cuenta: $ 22 millones

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.