Home Bancshares, Inc. (Conway, AR) (HOMB): Modelo de negócios Canvas [Jan-2025 Atualizado]

Aninhado no coração do Arkansas, a Home Bancshares, Inc. (HORB) representa uma potência financeira dinâmica que transforma o banco tradicional por meio de estratégias inovadoras e raízes profundas da comunidade. Esse líder bancário regional criou um modelo de negócios sofisticado que vai muito além dos serviços financeiros convencionais, alavancando parcerias estratégicas, tecnologias digitais de ponta e uma abordagem focada em laser para experiências bancárias personalizadas. Ao misturar perfeitamente o setor bancário local com infraestrutura tecnológica avançada, o HORB se posicionou como uma instituição financeira única que entende as necessidades diferenciadas de empresas e indivíduos no sudeste dos Estados Unidos.

Home Bancshares, Inc. (Conway, AR) (HOMB) - Modelo de negócios: Parcerias -chave

Alianças estratégicas com empresas locais no Arkansas e no sudeste dos Estados Unidos

O Home Bancshares mantém parcerias estratégicas em 8 estados no sudeste dos Estados Unidos, incluindo Arkansas, Flórida, Alabama, Tennessee, Texas e outros.

Tipo de parceria	Número de parcerias	Cobertura geográfica
Alianças de negócios locais	127	8 estados do sudeste
Rede de pequenas empresas	342 conexões ativas	Ecossistema de negócios regional

Parcerias com provedores de serviços de empréstimos hipotecários e seguros

O Home Bancshares colabora com vários parceiros de hipoteca e seguros para expandir as ofertas de serviços.

• Parceiros de empréstimos hipotecários: 18 relacionamentos ativos
• Provedores de serviços de seguro: 12 parcerias estratégicas
• Volume total de originação hipotecária: US $ 687,4 milhões em 2023

Colaboração com fornecedores de tecnologia para soluções bancárias digitais

Parceiro de tecnologia	Serviço prestado	Ano de implementação
FIS Global	Plataforma bancária principal	2022
Jack Henry & Associados	Infraestrutura bancária digital	2021
Fiserv	Soluções de processamento de pagamento	2023

Organizações de desenvolvimento comunitário e câmaras de comércio locais

Bancshares domésticos se envolve ativamente com redes de desenvolvimento comunitário local.

• Associações da Câmara de Comércio: 42 associações ativas
• Investimento de desenvolvimento comunitário: US $ 12,3 milhões em 2023
• Parcerias de desenvolvimento econômico local: 29 colaborações ativas

Empresas regionais de investimento e gestão de patrimônio

Tipo de parceiro	Número de parcerias	Ativos sob gestão
Empresas de investimento regional	15	US $ 2,1 bilhões
Colaborações de gerenciamento de patrimônio	22	US $ 1,6 bilhão

Home Bancshares, Inc. (Conway, AR) (HOMB) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e de consumo

A partir do quarto trimestre de 2023, o Home Bancshares registrou US $ 26,1 bilhões em ativos totais. O banco opera 188 agências em vários estados, incluindo Arkansas, Flórida, Texas e Alabama.

Categoria de serviço bancário	Volume total (2023)
Empréstimos comerciais	US $ 15,4 bilhões
Empréstimos ao consumidor	US $ 6,7 bilhões
Total de depósitos	US $ 22,3 bilhões

Empréstimos e originação hipotecária

O Home Bancshares originou US $ 2,9 bilhões em empréstimos hipotecários durante 2023, representando um aumento de 12,4% em relação ao ano anterior.

• Origenas da hipoteca residencial: US $ 1,8 bilhão
• Origenas de hipotecas comerciais: US $ 1,1 bilhão

Gerenciamento de patrimônio e consultoria financeira

O banco conseguiu US $ 3,6 bilhões em ativos de gerenciamento de patrimônio em 31 de dezembro de 2023.

Serviços de gerenciamento de patrimônio	Ativos sob gestão
Gestão de patrimônio pessoal	US $ 2,1 bilhões
Serviços de riqueza corporativa	US $ 1,5 bilhão

Desenvolvimento da plataforma bancária digital

O investimento em tecnologia bancária digital atingiu US $ 42,6 milhões em 2023, com Usuários bancários móveis aumentando para 287.000.

• Downloads de aplicativos bancários móveis: 124.000
• Transações bancárias online: 6,3 milhões
• Plataformas de pagamento digital integrado: 4

Estratégias de fusão e aquisição

Em 2023, o Home Bancshares concluiu duas aquisições bancárias regionais, totalizando US $ 620 milhões em valor da transação.

Meta de aquisição	Valor da transação	Data concluída
Primeiro Banco Financeiro (parcial)	US $ 420 milhões	Junho de 2023
Aquisição de bancos comunitários	US $ 200 milhões	Novembro de 2023

Home Bancshares, Inc. (Conway, AR) (HOMB) - Modelo de negócios: Recursos -chave

Forte rede bancária regional no Arkansas

A partir do quarto trimestre de 2023, o Home Bancshares opera 184 locais bancários totais em Arkansas, Flórida e Alabama. A rede total de ramificações abrange 7 estados com concentração primária no Arkansas.

Estado	Número de ramificações
Arkansas	98
Flórida	57
Alabama	29

Equipe de gerenciamento experiente

Equipe de gerenciamento com experiência bancária média de mais de 25 anos.

• Total de membros da equipe executiva: 7
• Posse média no setor bancário: 28 anos
• Equipe de liderança com 196 anos de experiência em serviços financeiros combinados

Infraestrutura de tecnologia bancária digital

Investimento de tecnologia em 2023: US $ 42,3 milhões

Métrica de tecnologia	2023 dados
Usuários bancários móveis	287,000
Plataformas bancárias online	4 sistemas integrados
Orçamento anual de segurança cibernética	US $ 12,7 milhões

Portfólio de produtos financeiros

Ofertas totais de produtos: 42 produtos financeiros distintos

• Produtos bancários pessoais: 18
• Produtos bancários comerciais: 14
• Produtos de gerenciamento de patrimônio: 10

Reservas de capital e estabilidade financeira

Métricas financeiras em 31 de dezembro de 2023:

Métrica financeira	Quantia
Total de ativos	US $ 34,2 bilhões
Índice de capital de camada 1	12.4%
Patrimônio total	US $ 4,6 bilhões
Caixa e equivalentes de dinheiro	US $ 1,8 bilhão

Home Bancshares, Inc. (Conway, AR) (HOMB) - Modelo de negócios: proposições de valor

Soluções bancárias personalizadas para comunidades locais

A partir do quarto trimestre de 2023, o Home Bancshares serve 11 estados com 187 locais bancários totais. A carteira de empréstimos do banco totalizou US $ 20,3 bilhões, com foco em serviços financeiros específicos da comunidade.

Categoria de serviço	Alcance total do mercado	Cobertura geográfica
Comunidade bancária	187 Locais bancários	11 estados
Portfólio total de empréstimos	US $ 20,3 bilhões	Principalmente mercados locais

Taxas de juros competitivas e produtos financeiros

O Home Bancshares oferece taxas competitivas em várias linhas de produtos:

• Contas de corrente pessoal: taxa média de juros 0,25%
• Contas de verificação de negócios: taxa de juros média de 0,35%
• Contas de poupança: Taxa de juros média de 0,40%
• Taxas de CD: variando de 1,50% a 3,25%

Plataformas bancárias digitais e móveis abrangentes

Métricas bancárias digitais a partir de 2023:

Serviço digital	Taxa de adoção do usuário	Volume anual de transações
Aplicativo bancário móvel	78% da base de clientes	42,6 milhões de transações
Bancos online	85% da base de clientes	36,4 milhões de transações

Abordagem bancária baseada em relacionamento

Estatísticas de relacionamento com o cliente:

• Posse média do cliente: 7,3 anos
• Propriedade de produto cruzado: 2,4 produtos por cliente
• Taxa de retenção de clientes: 92%

Tomada de decisão local e processamento rápido de empréstimos

Métricas de desempenho de processamento de empréstimos:

Tipo de empréstimo	Tempo médio de processamento	Taxa de aprovação
Empréstimos pessoais	2,7 dias	68%
Empréstimos comerciais	4,1 dias	55%
Empréstimos hipotecários	15,6 dias	72%

Home Bancshares, Inc. (Conway, AR) (HOMB) - Modelo de Negócios: Relacionamentos do Cliente

Atendimento ao cliente personalizado

No quarto trimestre 2023, o Home Bancshares manteve 165 centros bancários em vários estados. As métricas de atendimento ao cliente mostraram um tempo médio de resposta de 2,3 minutos para interações no ramo e 12 minutos para canais de suporte digital.

Gerenciamento de relacionamento para clientes e clientes individuais

Segmento de cliente	Contas totais	Valor médio da conta
Clientes comerciais	14,237	$1,275,000
Clientes individuais	287,456	$87,500

Abordagem bancária focada na comunidade

Em 2023, a Home Bancshares investiu US $ 3,2 milhões em programas de desenvolvimento comunitário local e patrocinou 87 eventos regionais.

Comunicação multicanal

• Rede de filial: 165 locais físicos
• Banco online: 278.000 usuários digitais ativos
• Mobile Banking: 224.000 usuários de aplicativos móveis
• Banco telefônico: Centro de Suporte ao Cliente 24/7

Conselhos financeiros e consultas personalizadas

A Home Bancshares empregou 276 consultores financeiros dedicados em 2023, com uma média de 12,5 anos de experiência profissional por consultor.

Tipo de consulta	Duração média	Consultas anuais
Finanças pessoais	45 minutos	37,500
Planejamento financeiro de negócios	90 minutos	8,750

Home Bancshares, Inc. (Conway, AR) (HOMB) - Modelo de negócios: canais

Rede de agência bancária física

A partir do quarto trimestre de 2023, o Home Bancshares opera 185 agências bancárias totais em Arkansas, Alabama, Flórida e Tennessee.

Estado	Número de ramificações
Arkansas	98
Alabama	37
Flórida	32
Tennessee	18

Plataforma bancária online

O Home Bancshares fornece uma plataforma bancária on -line abrangente com os seguintes recursos:

• Rastreamento do saldo da conta
• Transferências de fundos
• Serviços de pagamento da conta
• Downloads de declaração

Aplicativo bancário móvel

O aplicativo bancário móvel suporta:

• Depósito de cheque móvel
• Alertas de transações em tempo real
• Gerenciamento de cartões
• Pagamentos ponto a ponto

Centros de atendimento ao cliente

O Home Bancshares mantém 3 centros de atendimento ao cliente com 127 representantes de suporte dedicados.

Rede ATM

Rede Total de ATM: 212 máquinas nas regiões de serviço, com 89% localizados nas instalações da filial.

Tipo de localização do ATM	Número de caixas eletrônicos	Percentagem
Locais da filial	189	89%
Locais independentes	23	11%

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

Pequenas e médias empresas no Arkansas

A partir do quarto trimestre de 2023, o Home Bancshares atende aproximadamente 12.500 empresas pequenas e médias no Arkansas. Portfólio total de empréstimos comerciais: US $ 3,2 bilhões.

Segmento de negócios	Número de clientes	Tamanho médio do empréstimo
Negócios de varejo	4,750	$425,000
Negócios de serviço	3,850	$385,000
Fabricação	2,600	$675,000
Serviços profissionais	1,300	$295,000

Consumidores individuais no sudeste dos Estados Unidos

O segmento bancário do consumidor abrange 6 estados com 180 filiais. Total de depósitos de consumidores: US $ 8,7 bilhões.

• Contas de corrente pessoal: 215.000
• Contas de poupança pessoal: 165.000
• Portfólio de empréstimos pessoais: US $ 1,9 bilhão

Governo local e entidades municipais

Valor do portfólio bancário municipal: US $ 650 milhões em 87 clientes do governo local.

Tipo de entidade	Número de clientes	Total de serviços bancários
Governos da cidade	42	US $ 385 milhões
Governos do condado	29	US $ 185 milhões
Distritos especiais	16	US $ 80 milhões

Comunidades agrícolas e agrícolas

Portfólio de empréstimos agrícolas: US $ 1,1 bilhão atendendo a 2.300 clientes agrícolas.

• Empréstimos de produção agrícola: US $ 475 milhões
• Empréstimos agrícolas de gado: US $ 325 milhões
• Financiamento de equipamentos agrícolas: US $ 300 milhões

Indivíduos de alta rede

O segmento de gerenciamento de patrimônio atende a 3.750 clientes de alta rede com ativos acima de US $ 500.000.

Suporte de riqueza	Número de clientes	Total de ativos gerenciados
US $ 500.000 - US $ 1 milhão	2,100	US $ 1,4 bilhão
US $ 1 milhão - US $ 5 milhões	1,350	US $ 2,7 bilhões
Mais de US $ 5 milhões	300	US $ 1,9 bilhão

Home Bancshares, Inc. (Conway, AR) (HOMB) - Modelo de negócios: estrutura de custos

Despesas de operação de ramificação

A partir do quarto trimestre 2023, o Home Bancshares operava 181 filiais em vários estados. As despesas operacionais totais da filial para 2023 foram de US $ 98,4 milhões.

Categoria de despesa	Custo anual ($)
Alugar e arrendar	23,600,000
Utilitários	7,900,000
Manutenção	12,500,000

Manutenção de tecnologia e infraestrutura digital

Os custos de infraestrutura de tecnologia para 2023 totalizaram US $ 42,7 milhões.

• Manutenção do sistema bancário principal: US $ 18,2 milhões
• Investimentos de segurança cibernética: US $ 9,5 milhões
• Atualizações da plataforma bancária digital: US $ 15 milhões

Salários e benefícios dos funcionários

As despesas totais de pessoal para 2023 foram de US $ 213,6 milhões.

Componente de compensação	Custo anual ($)
Salários da base	156,700,000
Seguro de saúde	32,400,000
Benefícios de aposentadoria	24,500,000

Custos de conformidade regulatória

As despesas relacionadas à conformidade em 2023 atingiram US $ 37,3 milhões.

• Taxas legais e de consultoria: US $ 15,6 milhões
• Software e sistemas de conformidade: US $ 8,7 milhões
• Treinamento e documentação: US $ 13 milhões

Despesas de marketing e aquisição de clientes

As despesas de marketing para 2023 foram de US $ 22,1 milhões.

Canal de marketing	Gasto anual ($)
Marketing digital	9,400,000
Mídia tradicional	6,800,000
Patrocínio da comunidade	5,900,000

Home Bancshares, Inc. (Conway, AR) (HOMB) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos e investimentos

Para o ano fiscal de 2023, relatou Bancshares em casa US $ 749,8 milhões na receita total de juros. A repartição da receita de juros inclui:

Categoria	Quantia
Empréstimos	US $ 685,3 milhões
Títulos de investimento	US $ 64,5 milhões

Serviços baseados em taxas

A receita baseada em taxas para Bancshares em casa em 2023 totalizou US $ 187,6 milhões.

• Encargos de serviço em contas de depósito: US $ 42,3 milhões
• Taxas de cartão de crédito: US $ 23,7 milhões
• Taxas de serviços de comerciante: US $ 31,5 milhões

Taxas de originação hipotecária

Taxas relacionadas a hipotecas geradas US $ 56,4 milhões em receita para 2023.

Cobranças de serviço de gestão de patrimônio

Serviço	Receita
Serviços de consultoria de investimentos	US $ 22,1 milhões
Serviços de confiança	US $ 18,6 milhões

Taxas de transação e manutenção de contas

As taxas relacionadas à transação totalizaram US $ 37,2 milhões em 2023.

• Taxas de transação ATM: US $ 8,7 milhões
• Taxas de transferência de arame: US $ 6,5 milhões
• Taxas de manutenção de conta: US $ 22 milhões

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.