Home Bancshares, Inc. (Conway, AR) (Homb): Business Model Canvas [Jan-2025 Mis à jour]

Niché au cœur de l'Arkansas, Home Bancshares, Inc. (Homb) représente une puissance financière dynamique qui transforme les services bancaires traditionnels à travers des stratégies innovantes et des racines communautaires profondes. Ce leader bancaire régional a conçu un modèle commercial sophistiqué qui va bien au-delà des services financiers conventionnels, tirant parti des partenariats stratégiques, des technologies numériques de pointe et une approche laser pour les expériences bancaires personnalisées. En mélangeant de manière transparente les banques locales axées sur les relations avec des infrastructures technologiques avancées, Homb s'est positionné comme une institution financière unique qui comprend les besoins nuancés des entreprises et des particuliers du sud-est des États-Unis.

Home Bancshares, Inc. (Conway, AR) (Homb) - Modèle commercial: partenariats clés

Alliances stratégiques avec les entreprises locales de l'Arkansas et du sud-est des États-Unis

Home Bancshares maintient des partenariats stratégiques dans 8 États du sud-est des États-Unis, notamment Arkansas, Floride, Alabama, Tennessee, Texas et autres.

Type de partenariat	Nombre de partenariats	Couverture géographique
Alliances commerciales locales	127	8 États du sud-est
Réseau de petites entreprises	342 Connexions actives	Écosystème commercial régional

Partenariats avec les prêts hypothécaires et les prestataires de services d'assurance

Home Bancshares collabore avec plusieurs partenaires hypothécaires et d'assurance pour étendre les offres de services.

• Partners de prêt hypothécaire: 18 relations actives
• Fournisseurs de services d'assurance: 12 partenariats stratégiques
• Volume total d'origine hypothécaire: 687,4 millions de dollars en 2023

Collaboration avec les fournisseurs de technologies pour les solutions bancaires numériques

Partenaire technologique	Service fourni	Année de mise en œuvre
FIS Global	Plateforme bancaire de base	2022
Jack Henry & Associés	Infrastructure bancaire numérique	2021
Finerv	Solutions de traitement des paiements	2023

Organisations de développement communautaire et chambres de commerce locales

Home Bancshares s'engage activement avec les réseaux de développement communautaire locaux.

• Adhésions à la Chambre de commerce: 42 membres actifs
• Investissement du développement communautaire: 12,3 millions de dollars en 2023
• Partenariats locaux de développement économique: 29 collaborations actives

Sociétés d'investissement régional et de gestion de la patrimoine

Type de partenaire	Nombre de partenariats	Actifs sous gestion
Entreprises d'investissement régionales	15	2,1 milliards de dollars
Collaborations de gestion de la patrimoine	22	1,6 milliard de dollars

Home Bancshares, Inc. (Conway, AR) (Homb) - Modèle commercial: activités clés

Services bancaires commerciaux et grand public

Au quatrième trimestre 2023, Home Bancshares a déclaré 26,1 milliards de dollars d'actifs totaux. La banque exploite 188 succursales dans plusieurs États, dont l'Arkansas, la Floride, le Texas et l'Alabama.

Catégorie de service bancaire	Volume total (2023)
Prêts commerciaux	15,4 milliards de dollars
Prêts à la consommation	6,7 milliards de dollars
Dépôts totaux	22,3 milliards de dollars

Prêts hypothécaires et origine

Home Bancshares a créé 2,9 milliards de dollars de prêts hypothécaires au cours de 2023, ce qui représente une augmentation de 12,4% par rapport à l'année précédente.

• Originations hypothécaires résidentielles: 1,8 milliard de dollars
• Originations hypothécaires commerciales: 1,1 milliard de dollars

Gestion de la patrimoine et avis financier

La banque a géré 3,6 milliards de dollars d'actifs de gestion de patrimoine au 31 décembre 2023.

Services de gestion de la patrimoine	Actifs sous gestion
Gestion de la richesse personnelle	2,1 milliards de dollars
Services de richesse d'entreprise	1,5 milliard de dollars

Développement de la plate-forme bancaire numérique

L'investissement dans la technologie bancaire numérique a atteint 42,6 millions de dollars en 2023, avec Les utilisateurs des banques mobiles passant à 287 000.

• Téléchargements d'applications bancaires mobiles: 124 000
• Transactions bancaires en ligne: 6,3 millions
• Plates-formes de paiement numériques intégrées: 4

Stratégies de fusion et d'acquisition

En 2023, Home Bancshares a achevé deux acquisitions de banques régionales totalisant 620 millions de dollars en valeur de transaction.

Cible d'acquisition	Valeur de transaction	Date terminée
Première banque financière (partielle)	420 millions de dollars	Juin 2023
Acquisition de la banque communautaire	200 millions de dollars	Novembre 2023

Home Bancshares, Inc. (Conway, AR) (Homb) - Modèle d'entreprise: Ressources clés

Strait réseau bancaire régional en Arkansas

Au quatrième trimestre 2023, Home Bancshares exploite 184 emplacements bancaires au total dans l'Arkansas, en Floride et en Alabama. Le réseau de succursales total s'étend sur 7 états avec une concentration primaire en Arkansas.

État	Nombre de branches
Arkansas	98
Floride	57
Alabama	29

Équipe de gestion expérimentée

Équipe de direction avec une expérience bancaire moyenne de plus de 25 ans.

• Membres totaux de l'équipe de direction: 7
• Tenure moyenne dans le secteur bancaire: 28 ans
• Équipe de leadership avec une expérience combinée de 196 ans d'expérience en services financiers

Infrastructure de technologie bancaire numérique

Investissement technologique en 2023: 42,3 millions de dollars

Métrique technologique	2023 données
Utilisateurs de la banque mobile	287,000
Plateformes bancaires en ligne	4 systèmes intégrés
Budget annuel de cybersécurité	12,7 millions de dollars

Portfolio de produits financiers

Offres de produits totaux: 42 produits financiers distincts

• Produits bancaires personnels: 18
• Produits bancaires commerciaux: 14
• Produits de gestion de patrimoine: 10

Réserves de capital et stabilité financière

Mesures financières au 31 décembre 2023:

Métrique financière	Montant
Actif total	34,2 milliards de dollars
Ratio de capital de niveau 1	12.4%
Total des capitaux propres	4,6 milliards de dollars
Equivalents en espèces et en espèces	1,8 milliard de dollars

Home Bancshares, Inc. (Conway, AR) (Homb) - Modèle d'entreprise: propositions de valeur

Solutions bancaires personnalisées pour les communautés locales

Au quatrième trimestre 2023, Home Bancshares dessert 11 États avec 187 emplacements bancaires au total. Le portefeuille de prêts de la banque a totalisé 20,3 milliards de dollars, en mettant l'accent sur les services financiers spécifiques à la communauté.

Catégorie de service	Total du marché	Couverture géographique
Banque communautaire	187 lieux bancaires	11 États
Portefeuille de prêts totaux	20,3 milliards de dollars	Principalement les marchés locaux

Taux d'intérêt concurrentiels et produits financiers

Home Bancshares offre des tarifs compétitifs sur plusieurs gammes de produits:

• Comptes de chèques personnels: taux d'intérêt moyen 0,25%
• Comptes de chèque d'entreprise: taux d'intérêt moyen 0,35%
• Comptes d'épargne: taux d'intérêt moyen 0,40%
• Taux de CD: allant de 1,50% à 3,25%

Plateformes complètes des banques numériques et mobiles

Mesures bancaires numériques à partir de 2023:

Service numérique	Taux d'adoption des utilisateurs	Volume de transaction annuel
Application bancaire mobile	78% de la clientèle	42,6 millions de transactions
Banque en ligne	85% de la clientèle	36,4 millions de transactions

Approche bancaire basée sur les relations

Statistiques sur la relation client:

• Tenure moyenne du client: 7,3 ans
• Propriété transversale: 2,4 produits par client
• Taux de rétention de la clientèle: 92%

Prise de décision locale et traitement rapide des prêts

Métriques de performance de traitement des prêts:

Type de prêt	Temps de traitement moyen	Taux d'approbation
Prêts personnels	2,7 jours	68%
Prêts commerciaux	4,1 jours	55%
Prêts hypothécaires	15,6 jours	72%

Home Bancshares, Inc. (Conway, AR) (Homb) - Modèle d'entreprise: relations avec les clients

Service client personnalisé

Au quatrième trimestre 2023, Home Bancshares a maintenu 165 centres bancaires dans plusieurs États. Les mesures de service client ont montré un temps de réponse moyen de 2,3 minutes pour les interactions en branche et 12 minutes pour les canaux de support numériques.

Gestion des relations pour les entreprises et les clients individuels

Segment client	Comptes totaux	Valeur moyenne du compte
Clients commerciaux	14,237	$1,275,000
Clients individuels	287,456	$87,500

Approche bancaire axée sur la communauté

En 2023, Home Bancshares a investi 3,2 millions de dollars dans des programmes de développement communautaire local et parrainé 87 événements régionaux.

Communication multicanal

• Réseau de succursale: 165 emplacements physiques
• Banque en ligne: 278 000 utilisateurs numériques actifs
• Banque mobile: 224 000 utilisateurs d'applications mobiles
• Banque de téléphone: Centre de support client 24/7

Conseils financiers sur mesure et consultation

Home Bancshares a employé 276 conseillers financiers dévoués en 2023, avec une moyenne de 12,5 ans d'expérience professionnelle par conseiller.

Type de consultation	Durée moyenne	Consultations annuelles
Financement personnel	45 minutes	37,500
Planification financière des entreprises	90 minutes	8,750

Home Bancshares, Inc. (Conway, AR) (Homb) - Modèle d'entreprise: canaux

Réseau de succursale bancaire physique

Au quatrième trimestre 2023, Home Bancshares exploite 185 succursales bancaires totales dans l'Arkansas, l'Alabama, la Floride et le Tennessee.

État	Nombre de branches
Arkansas	98
Alabama	37
Floride	32
Tennessee	18

Plateforme bancaire en ligne

Home Bancshares fournit une plate-forme bancaire en ligne complète avec les fonctionnalités suivantes:

• Suivi du solde du compte
• Transferts de fonds
• Services de paiement de factures
• Téléchargements de déclaration

Application bancaire mobile

L'application bancaire mobile prend en charge:

• Dépôt de chèques mobiles
• Alertes de transaction en temps réel
• Gestion des cartes
• Paiements de pairs

Centres d'appels de service client

Home Bancshares conserve 3 centres de service à la clientèle avec 127 représentants de soutien dédié.

Réseau ATM

Réseau ATM total: 212 machines dans toutes les régions de service, avec 89% situées dans des locaux de succursale.

Type d'emplacement ATM	Nombre de distributeurs automatiques de billets	Pourcentage
Succursales	189	89%
Emplacements autonomes	23	11%

Home Bancshares, Inc. (Conway, AR) (Homb) - Modèle d'entreprise: segments de clientèle

Petites et moyennes entreprises de l'Arkansas

Au quatrième trimestre 2023, Home Bancshares dessert environ 12 500 petites et moyennes entreprises de l'Arkansas. Portfolio total de prêts commerciaux: 3,2 milliards de dollars.

Segment d'entreprise	Nombre de clients	Taille moyenne du prêt
Commerces de détail	4,750	$425,000
Entreprises de services	3,850	$385,000
Fabrication	2,600	$675,000
Services professionnels	1,300	$295,000

Consommateurs individuels dans le sud-est des États-Unis

Le segment des banques de consommateurs couvre 6 États de 180 succursales. Total des dépôts de consommateurs: 8,7 milliards de dollars.

• Comptes de chèques personnels: 215 000
• Comptes d'épargne personnels: 165 000
• Portfolio de prêts personnels: 1,9 milliard de dollars

Gouvernement local et entités municipales

Valeur du portefeuille bancaire municipal: 650 millions de dollars entre 87 clients du gouvernement local.

Type d'entité	Nombre de clients	Services bancaires totaux
Gouvernements municipaux	42	385 millions de dollars
Gouvernements de comté	29	185 millions de dollars
Districts spéciaux	16	80 millions de dollars

Communautés agricoles et agricoles

Portefeuille de prêts agricoles: 1,1 milliard de dollars desservant 2 300 clients agriculteurs.

• Prêts de production agricole: 475 millions de dollars
• Prêts agriculteurs d'élevage: 325 millions de dollars
• Financement de l'équipement agricole: 300 millions de dollars

Individus à haute nette

Le segment de la gestion de patrimoine dessert 3 750 clients à haute teneur en nouant avec des actifs de plus de 500 000 $.

Support de richesse	Nombre de clients	Actifs gérés totaux
500 000 $ - 1 million de dollars	2,100	1,4 milliard de dollars
1 million de dollars - 5 millions de dollars	1,350	2,7 milliards de dollars
Plus de 5 millions de dollars	300	1,9 milliard de dollars

Home Bancshares, Inc. (Conway, AR) (Homb) - Modèle d'entreprise: Structure des coûts

Dépenses de fonctionnement de la succursale

Au quatrième trimestre 2023, Home Bancshares a exploité 181 succursales dans plusieurs États. Les dépenses d'exploitation totale de la succursale pour 2023 étaient de 98,4 millions de dollars.

Catégorie de dépenses	Coût annuel ($)
Loyer et location	23,600,000
Services publics	7,900,000
Entretien	12,500,000

Maintenance de la technologie et des infrastructures numériques

Les coûts d'infrastructure technologique pour 2023 ont totalisé 42,7 millions de dollars.

• Maintenance du système bancaire de base: 18,2 millions de dollars
• Investissements en cybersécurité: 9,5 millions de dollars
• Mises à niveau de la plate-forme bancaire numérique: 15 millions de dollars

Salaires et avantages sociaux des employés

Les dépenses totales du personnel pour 2023 étaient de 213,6 millions de dollars.

Composant de compensation	Coût annuel ($)
Salaires de base	156,700,000
Assurance maladie	32,400,000
Prestations de retraite	24,500,000

Coûts de conformité réglementaire

Les dépenses liées à la conformité pour 2023 ont atteint 37,3 millions de dollars.

• Frais juridiques et de conseil: 15,6 millions de dollars
• Logiciel et systèmes de conformité: 8,7 millions de dollars
• Formation et documentation: 13 millions de dollars

Frais de marketing et d'acquisition des clients

Les dépenses de marketing pour 2023 étaient de 22,1 millions de dollars.

Canal de marketing	Dépenses annuelles ($)
Marketing numérique	9,400,000
Médias traditionnels	6,800,000
Parrainages communautaires	5,900,000

Home Bancshares, Inc. (Conway, AR) (Homb) - Modèle d'entreprise: Strots de revenus

Revenu des intérêts des prêts et des investissements

Pour l'exercice 2023, Home Bancshares a rapporté 749,8 millions de dollars dans le revenu total des intérêts. La rupture des revenus des intérêts comprend:

Catégorie	Montant
Prêts	685,3 millions de dollars
Titres d'investissement	64,5 millions de dollars

Services basés sur les frais

Les revenus basés sur les frais pour Home Bancshares en 2023 ont totalisé 187,6 millions de dollars.

• Frais de service sur les comptes de dépôt: 42,3 millions de dollars
• Frais de carte de crédit: 23,7 millions de dollars
• Frais de services marchands: 31,5 millions de dollars

Frais d'origine hypothécaire

Frais liés aux hypothèques générés 56,4 millions de dollars en revenus pour 2023.

Frais de service de gestion de patrimoine

Service	Revenu
Services de conseil en investissement	22,1 millions de dollars
Services de confiance	18,6 millions de dollars

Frais de maintenance de transaction et de compte

Les frais liés aux transactions sont équipés de 37,2 millions de dollars en 2023.

• Frais de transaction ATM: 8,7 millions de dollars
• Frais de transfert de fil: 6,5 millions de dollars
• Frais de maintenance du compte: 22 millions de dollars

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.