Home BancShares (NYSE: HOMB) Q1 2026 earnings, rising book value and loan quality shift

Rhea-AI Filing Summary

Home BancShares, Inc. reported strong first quarter 2026 results with net income of $118.2 million, diluted EPS of $0.60 and ROA of 2.09%. Total revenue (net) was $266.7 million, up 2.5% year over year, while net interest margin was 4.51%, slightly below 4.61% in the prior quarter.

Total loans were $15.63 billion and deposits $17.74 billion, supporting total assets of $23.20 billion. Credit quality weakened as non-performing loans rose to $182.1 million and non-performing assets to $224.1 million, largely driven by a single $92.1 million relationship placed on non-accrual.

Capital remained robust, with common equity tier 1 at 16.7%, total risk-based capital at 19.5%, and record book value per share of $22.15 and tangible book value per share of $14.87. The company repurchased 507,622 shares and paid a dividend of $0.21 per share.

Effective April 1, 2026, Home BancShares completed its acquisition of Mountain Commerce Bancorp, issuing approximately 5.4 million shares valued at about $146 million, with MCBI shareholders receiving 0.85 Home share for each MCBI share.

Positive

• Strong profitability and returns: Q1 2026 net income of $118.2 million, ROA of 2.09%, ROE of 11.09% and a 4.51% net interest margin, alongside a 41.59% efficiency ratio, indicate robust core earnings and cost discipline.
• Robust capital and record book value: Common equity tier 1 capital of 16.7%, total risk-based capital of 19.5%, and record book value per share of $22.15 and tangible book value per share of $14.87 support balance-sheet strength and shareholder value.

Negative

• Sharp increase in problem assets: Non-performing loans rose from $85.0 million to $182.1 million and non-performing assets from $124.8 million to $224.1 million, cutting allowance coverage from 350.17% to 163.43% and signaling higher credit risk concentration in at least one large relationship.

Insights

Bank equity analyst

Solid profitability and capital, but a notable credit quality spike.

Home BancShares delivered Q1 2026 net income of $118.2 million and ROA of 2.09%, alongside a strong net interest margin of 4.51%. Revenue grew 2.5% year over year to $266.7 million, while the efficiency ratio stayed low at 41.59%, signaling disciplined cost control.

Asset quality, however, deteriorated as non-performing loans jumped to $182.1 million and non-performing assets to $224.1 million. The company attributes much of this increase to one $92.1 million relationship moving to non-accrual, and maintains an allowance equal to 1.90% of total loans.

Capital remains very strong, with common equity tier 1 at 16.7% and total risk-based capital at 19.5%. Record book value per share of $22.15 and tangible book value of $14.87 reflect retained earnings and buybacks. Completion of the $146 million all-stock Mountain Commerce Bancorp acquisition on April 1, 2026 adds a new growth layer; subsequent disclosures will clarify integration impacts.

8-K Event Classification

3 items: 2.02, 7.01, 9.01

3 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Key Figures

Net income: $118.2 million Diluted EPS: $0.60 per share Total revenue (net): $266.7 million +5 more

8 metrics

Net income $118.2 million Quarter ended March 31, 2026

Diluted EPS $0.60 per share Quarter ended March 31, 2026

Total revenue (net) $266.7 million Q1 2026, up 2.5% year over year

Net interest margin 4.51% Q1 2026, vs. 4.61% in Q4 2025

Non-performing assets $224.1 million As of March 31, 2026

Total assets $23.20 billion As of March 31, 2026

Book value per share $22.15 Record level at March 31, 2026

Mountain Commerce deal value $146 million Stock consideration as of April 1, 2026

Key Terms

Pre-tax, pre-provision, net income (PPNR), Net interest margin (NIM), Non-performing assets, Allowance for credit losses, +2 more

6 terms

Pre-tax, pre-provision, net income (PPNR) financial

"PPNR totaled approximately $152.7 million, representing an increase of $5.6 million, or 3.8%."

Net interest margin (NIM) financial

"Our net interest margin was 4.51% and 4.61% for the three-month periods ended March 31, 2026 and December 31, 2025, respectively."

Net interest margin (NIM) measures how much profit a bank or lending business makes from its core activity of borrowing and lending: it’s the difference between interest earned on loans and investments and interest paid to depositors and lenders, expressed as a percentage of the assets that earn interest. Think of it like a store’s markup on goods — a higher NIM means the lender keeps more on each dollar it intermediates, so investors use it to judge profitability and sensitivity to interest-rate changes.

Non-performing assets financial

"Non-performing assets to total assets were 0.97% and 0.55% at March 31, 2026 and December 31, 2025, respectively."

Loans or other credit exposures that are not producing expected income because borrowers have stopped making scheduled payments for a significant period (commonly around 90 days). Think of it like a business lending money that has gone quiet — the cash flow stops while the lender still carries the debt on its books. High levels of non-performing assets matter to investors because they reduce a lender’s earnings, tie up capital that could be used for growth, and signal higher risk of future losses.

Allowance for credit losses financial

"The Company’s allowance for credit losses on loans was $297.6 million, or 1.90% of total loans."

Allowance for credit losses is a reserve set aside by a financial institution to cover potential losses from borrowers who may not repay their loans. It acts like a safety net, helping the institution prepare for loans that might turn sour. For investors, it signals how cautious the institution is about the quality of its loans and potential risks to its financial health.

Tangible book value per share financial

"Tangible book value per share (non‑GAAP) also rose consistently to $14.87 over the same period."

Tangible book value per share is the company's total physical and financial assets minus its liabilities and intangible items (like goodwill and brand value), divided by the number of outstanding shares. It gives investors a conservative, per‑share estimate of what would remain if the business sold only its hard assets and paid its debts—useful for judging whether a stock is priced above or below its underlying, tangible worth, like valuing a property by its bricks and cash rather than its reputation.

Efficiency ratio financial

"For the first quarter of 2026, our efficiency ratio was 41.59%, and our efficiency ratio, as adjusted (non-GAAP), was 41.99%."

A measure of how much a company spends to produce each dollar of revenue, usually shown as operating expenses divided by revenue and expressed as a percentage. Think of it as a household’s budget: a lower percentage means more of each dollar earned stays as profit, while a higher number means costs are eating into returns. Investors use it to judge cost control and compare how efficiently companies turn revenue into earnings, especially in banks and financial firms.

Earnings Snapshot

Net income: $118.2 million

Q1 2026

Net income $118.2 million +$3.0 million vs. Q1 2025

Diluted EPS $0.60 +$0.02 vs. Q1 2025

Total revenue (net) $266.7 million +2.5% YoY

Return on average assets 2.09% higher vs. 2.07% in Q1 2025

Net interest margin 4.51% higher vs. 4.44% in Q1 2025

Understanding 8-K Material Events →

0001331520false00013315202022-02-242022-02-24

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

_________________________________

FORM 8-K

_________________________________

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): April 15, 2026

_________________________________

HOME BANCSHARES, INC.

(Exact name of Registrant as Specified in Its Charter)

_________________________________

Arkansas			001-41093			71-0682831
(State or Other Jurisdiction of Incorporation)			(Commission File Number)			(IRS Employer Identification No.)

719 Harkrider, Suite 100

Conway, Arkansas 72032

(Address of Principal Executive Offices) (Zip Code)

(501) 339-2929

(Registrant’s telephone number, including area code)

Not Applicable

(Former name or former address, if changed since last report)

_________________________________

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐			Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐			Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐			Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐			Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common Stock, par value $0.01 per share

HOMB

New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. o

Item 2.02    Results of Operations and Financial Condition.

Home BancShares, Inc. (the “Company”) hereby furnishes its April 15, 2026 press release announcing first quarter 2026 earnings, which is attached hereto as Exhibit 99.1 and incorporated herein by reference.

Item 7.01    Regulation FD Disclosure.

See Item 2.02. Results of Operations and Financial Condition.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits.

99.1			Press Release: Home BancShares, Inc. Announces First Quarter Earnings
99.2			Supplemental Presentation for First Quarter Earnings Call
104			Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

						Home BancShares, Inc.
Date:			April 15, 2026			By:			/s/ Jennifer C. Floyd
									Jennifer C. Floyd
									Chief Accounting Officer

EXHIBIT 99.1

For Immediate Release: April 15, 2026

HOMB’s Top-Tier Performance Continues into 2026 with First Quarter

Earnings of $118.2 Million, EPS of $0.60 and ROA of 2.09%

Conway, AR – Home BancShares, Inc. (NYSE: HOMB) (“Home” or the “Company”), parent company of Centennial Bank, released quarterly earnings today.

Quarterly Highlights

Metric			Q1 2026			Q4 2025			Q3 2025			Q2 2025			Q1 2025
Net income			$118.2 million			$118.2 million			$123.6 million			$118.4 million			$115.2 million
Net income, as adjusted (non-GAAP)(1)			$118.2 million			$117.9 million			$119.7 million			$114.6 million			$111.9 million
Total revenue (net)			$266.7 million			$282.1 million			$277.7 million			$271.0 million			$260.1 million
Income before income taxes			$152.2 million			$153.3 million			$159.3 million			$152.0 million			$147.2 million
Pre-tax, pre-provision, net income (PPNR) (non-GAAP)(1)			$152.7 million			$167.7 million			$162.8 million			$155.0 million			$147.2 million
PPNR, as adjusted (non-GAAP)(1)			$152.7 million			$167.1 million			$157.7 million			$150.4 million			$142.8 million
Pre-tax net income to total revenue (net)			57.08%			54.35%			57.38%			56.08%			56.58%
Pre-tax net income, as adjusted, to total revenue (net) (non-GAAP)(1)			57.06%			54.14%			55.53%			54.39%			54.91%
P5NR (Pre-tax, pre-provision, profit percentage) (PPNR to total revenue (net)) (non-GAAP)(1)			57.27%			59.46%			58.64%			57.19%			56.58%
P5NR, as adjusted (non-GAAP)(1)			57.25%			59.25%			56.80%			55.49%			54.91%
ROA			2.09%			2.06%			2.17%			2.08%			2.07%
ROA, as adjusted (non-GAAP)(1)			2.09%			2.05%			2.10%			2.02%			2.01%
NIM			4.51%			4.61%			4.56%			4.44%			4.44%
Purchase accounting accretion			$1.1 million			$1.3 million			$1.3 million			$1.2 million			$1.4 million
ROE			11.09%			11.04%			11.91%			11.77%			11.75%
ROE, as adjusted (non-GAAP)(1)			11.08%			11.01%			11.54%			11.39%			11.41%
ROTCE (non-GAAP)(1)			16.56%			16.65%			18.28%			18.26%			18.39%
ROTCE, as adjusted (non-GAAP)(1)			16.55%			16.60%			17.70%			17.68%			17.87%
Diluted earnings per share			$0.60			$0.60			$0.63			$0.60			$0.58
Diluted earnings per share, as adjusted (non-GAAP)(1)			$0.60			$0.60			$0.61			$0.58			$0.56
Non-performing assets to total assets			0.97%			0.55%			0.56%			0.60%			0.56%
Common equity tier 1 capital			16.7%			16.3%			16.1%			15.6%			15.4%
Leverage			14.3%			14.1%			13.8%			13.4%			13.3%
Tier 1 capital			16.7%			16.3%			16.1%			15.6%			15.4%
Total risk-based capital			19.5%			19.1%			18.9%			19.3%			19.1%
Allowance for credit losses to total loans			1.90%			1.90%			1.87%			1.86%			1.87%
Book value per share			$22.15			$21.88			$21.41			$20.71			$20.40
Tangible book value per share (non-GAAP)(1)			$14.87			$14.60			$14.13			$13.44			$13.15
Dividends per share			$0.21			$0.21			$0.20			$0.20			$0.195
Shareholder buyback yield(2)			0.25%			0.27%			0.18%			0.49%			0.53%

(1) Calculation of this metric and the reconciliation to GAAP are included in the schedules accompanying this release.

(2) Calculation of this metric is included in the schedules accompanying this release.

“HOMB works for the shareholder each and every day. Our strong, consistent philosophy continues to deliver performance results that ranked us #2 in the U.S. on S&P’s banks over $10 billion for the year 2025. During current uncertain economic and geopolitical times, I am very proud that HOMB continues to be a safe place with a strong balance sheet for our customers and shareholders,” said John Allison, Chairman.

Quarterly Financial Performance Trends
During the first quarter of 2026, the Company delivered stable and resilient earnings performance, with net income of approximately $118.2 million, consistent with the prior quarter and up year over year. Net income, as adjusted (non‑GAAP)(1), of approximately $118.2 million further reflects the strength and sustainability of underlying operations.						The chart below reflects solid year‑over‑year growth in pre‑tax, pre‑provision net revenue (PPNR) during the first quarter of 2026, reflecting continued strength in operating performance. PPNR totaled approximately $152.7 million, representing an increase of $5.6 million, or 3.8%, compared to the first quarter of 2025. PPNR, as adjusted (non-GAAP)(1), increased $9.9 million, or 6.9%, year over year to approximately $152.7 million, underscoring improved underlying profitability and disciplined expense management.
Dollar amounts presented below in thousands.
Net interest income after credit loss expense increased by $6.2 million from Q4 2025 to Q1 2026 and $8.7 million on a year over year basis. These results reflect a generally upward trend throughout the periods presented, supported by effective balance sheet management and stable credit performance. Despite normal quarterly variability, the Company delivered consistent, high‑quality earnings, underscoring the strength and resilience of its net interest income.						Non-interest income was $42.8 million for the first quarter of 2026, reflecting a normalization from the levels experienced in prior quarters, primarily due to certain non-continuing other income items. Results remained supported by a diversified mix of revenue streams, with performance over the prior several quarters demonstrating the Company’s ability to generate stable non‑interest income despite typical quarterly variability. Management continues to emphasize disciplined execution and strategic growth initiatives to support long‑term, sustainable income generation.

Total revenue (net) during the first quarter of 2026 was approximately $266.7 million, representing an increase of $6.6 million, or 2.5%, year over year. While revenue moderated from the fourth quarter, results demonstrate the durability of the Company’s revenue base and provide a strong foundation for further growth as 2026 progresses.						During the first quarter of 2026, the Company demonstrated continued expense discipline and effective balance sheet management. Interest expense declined to $87.1 million primarily due to the declining interest rate environment. Non‑interest expense remained well controlled at approximately $114.0 million, consistent with prior quarter levels. Together, these trends highlight the Company’s focus on cost efficiency and operating discipline, supporting strong operating leverage and overall earnings performance.
The Company continued to demonstrate strong operating discipline throughout Q1 2026, posting an efficiency ratio of 41.6%. While modestly higher than the fourth quarter level, the efficiency ratio reflects continued, effective expense management and remains well controlled. The efficiency ratio, as adjusted (non-GAAP)(1), of approximately 42.0% underscores the consistency of underlying operating efficiency, highlighting the Company’s ability to balance investment in growth with disciplined cost management.						The Company delivered strong and improving return on average assets (ROA) during the first quarter of 2026, with an ROA of approximately 2.09%. This performance reflects both a year over year and sequential quarterly increase, underscoring continued balance sheet efficiency and disciplined execution. ROA, as adjusted (non-GAAP)(1), also increased to approximately 2.09%, demonstrating consistent earnings quality and effective asset utilization. Overall, Q1 2026 ROA highlights the Company’s ability to generate attractive returns while maintaining operational and financial stability.

The tables below present additional key financial metrics over the past five quarters, including net interest margin (NIM), yield on interest-earning assets, rate on interest-bearing liabilities, and net interest spread. These metrics are fundamental indicators of the Company’s profitability and operational efficiency.
Book value per share increased to $22.15 at March 31, 2026, representing steady growth from $20.40 at March 31, 2025. Tangible book value per share (non‑GAAP)(1) also rose consistently to $14.87 over the same period. The continued sequential improvement reflects retained earnings growth and disciplined capital management, underscoring the Company’s ability to build shareholder value through a range of operating conditions. Book value per share and tangible book value per share (non-GAAP)(1) as of March 31, 2026 are both records for the Company.

Operating Highlights

Net income for the three-month period ended March 31, 2026 was $118.2 million, or $0.60 diluted earnings per share. When adjusting for non-fundamental items, net income and diluted earnings per share on an as-adjusted basis (non-GAAP), were $118.2 million(1) and $0.60 per share(1), respectively, for the three months ended March 31, 2026.

Our net interest margin was 4.51% and 4.61% for the three-month periods ended March 31, 2026 and December 31, 2025, respectively. The yield on loans was 7.08% and 7.30% for the three months ended March 31, 2026 and December 31, 2025, respectively, as average loans increased from $15.51 billion to $15.68 billion. The rate on interest bearing deposits decreased to 2.35% as of March 31, 2026, from 2.47% as of December 31, 2025, while average interest-bearing deposits increased from $13.47 billion to $13.66 billion.

During the first quarter of 2026, there was no event interest income compared to $2.6 million of event interest income for the fourth quarter of 2025. The decrease in event income was dilutive to the net interest margin by six basis points. Purchase accounting accretion on acquired loans was $1.1 million and $1.3 million for the three-month periods ended March 31, 2026 and December 31, 2025, respectively, and average purchase accounting loan discounts were $12.5 million and $13.8 million for the three-month periods ended March 31, 2026 and December 31, 2025, respectively.

Net interest income on a fully taxable equivalent basis was $226.6 million for the three-month period ended March 31, 2026, and $233.8 million for the three-month period ended December 31, 2025. This decrease in net interest income for the three-month period ended March 31, 2026, was the result of a $12.2 million decrease in interest income, which was partially offset by a $4.9 million decrease in interest expense. The $12.2 million decrease in interest income was primarily the result of an $11.7 million decrease in loan income and a $1.1 million decrease in income from investments. These reductions were partially offset by a $540,000 increase in income from deposits with other banks. The $4.9 million decrease in interest expense was due to a $4.6 million decrease in interest expense on deposits and a $293,000 decrease in interest expense on FHLB and other borrowed funds.

The Company reported $42.8 million of non-interest income for the first quarter of 2026. The most important components of non-interest income were $10.0 million from service charges on deposit accounts, $9.8 million from other service charges and fees, $9.1 million from other income, $5.5 million from trust fees, $4.4 million in mortgage lending income, $2.5 million from dividends from FHLB, FRB, FNBB and other, and $1.4 million from the increase in cash value of life insurance, which were partially offset by $1.2 million in expense from the fair value adjustment for marketable securities.

Non-interest expense for the first quarter of 2026 was $114.0 million. The most important components of non-interest expense were $63.2 million salaries and employee benefits expense, $26.6 million in other operating expense, $14.9 million in occupancy and equipment expenses, $8.9 million in data processing expenses and $394,000 in merger and acquisition expenses. Included within other expense was the FDIC special assessment credit, which lowered expense by $1.7 million. For the first quarter of 2026, our efficiency ratio was 41.59%, and our efficiency ratio, as adjusted (non-GAAP), was 41.99%(1).

Financial Condition

Total loans receivable were $15.63 billion at March 31, 2026, compared to $15.69 billion at December 31, 2025. Total deposits were $17.74 billion at March 31, 2026, compared to $17.48 billion at December 31, 2025. Total assets were $23.20 billion at March 31, 2026, compared to $22.88 billion at December 31, 2025.

During the first quarter of 2026, the Company had a $52.6 million decrease in loans. Our community banking footprint experienced $100.5 million in organic loan decline during the quarter ended March 31, 2026, while Centennial CFG experienced $47.9 million of organic loan growth in the first quarter, with $2.06 billion of loans outstanding at March 31, 2026.

Non-performing loans to total loans were 1.16% and 0.54% at March 31, 2026 and December 31, 2025, respectively. Non-performing assets to total assets were 0.97% and 0.55% at March 31, 2026 and December 31, 2025, respectively. The increase in non-performing loans and assets was primarily due to one loan relationship with a balance of $92.1 million being placed on non-accrual status during the quarter ended March 31, 2026. Net loans charged-off were $1.4 million and $2.5 million for the three months ended March 31, 2026 and December 31, 2025, respectively. The charge-off detail by region for the quarters ended March 31, 2026 and December 31, 2025 can be seen below.

For the Three Months Ended March 31, 2026
(in thousands)						Texas						Arkansas						Centennial CFG						Shore Premier Finance						Florida						Alabama						Total
Charge-offs						$	1,720					$	982					$	—					$	—					$	137					$	10					$	2,849
Recoveries						(788)						(278)						—						(277)						(54)						(3)						(1,400)
Net charge-offs (recoveries)						$	932					$	704					$	—					$	(277)					$	83					$	7					$	1,449

For the Three Months Ended December 31, 2025
(in thousands)						Texas						Arkansas						Centennial CFG						Shore Premier Finance						Florida						Alabama						Total
Charge-offs						$	600					$	1,420					$	—					$	400					$	542					$	101					$	3,063
Recoveries						(345)						(195)						—						(4)						(49)						(4)						(597)
Net charge-offs (recoveries)						$	255					$	1,225					$	—					$	396					$	493					$	97					$	2,466

At March 31, 2026, non-performing loans were $182.1 million, and non-performing assets were $224.1 million. At December 31, 2025, non-performing loans were $85.0 million, and non-performing assets were $124.8 million.

The table below shows the non-performing loans and non-performing assets by region as of March 31, 2026:

(in thousands)						Texas						Arkansas						Centennial CFG						Shore Premier Finance						Florida						Alabama						Total
Non-accrual loans						$	119,333					$	21,833					$	787					$	12,131					$	25,532					$	23					$	179,639
Loans 90+ days past due						1,077						36						—						—						1,368						—						2,481
Total non-performing loans						120,410						21,869						787						12,131						26,900						23						182,120
Foreclosed assets held for sale						16,164						1,638						22,812						—						260						—						40,874
Other non-performing assets						—						—						—						1,140						—						—						1,140
Total other non-performing assets						16,164						1,638						22,812						1,140						260						—						42,014
Total non-performing assets						$	136,574					$	23,507					$	23,599					$	13,271					$	27,160					$	23					$	224,134

The table below shows the non-performing loans and non-performing assets by region as December 31, 2025:

(in thousands)						Texas						Arkansas						Centennial CFG						Shore Premier Finance						Florida						Alabama						Total
Non-accrual loans						$	24,234					$	18,234					$	787					$	10,048					$	24,645					$	54					$	78,002
Loans 90+ days past due						2,383						291						—						3,286						1,020						—						6,980
Total non-performing loans						26,617						18,525						787						13,334						25,665						54						84,982
Foreclosed assets held for sale						15,988						771						22,812						—						260						—						39,831
Total other non-performing assets						15,988						771						22,812						—						260						—						39,831
Total non-performing assets						$	42,605					$	19,296					$	23,599					$	13,334					$	25,925					$	54					$	124,813

The Company’s allowance for credit losses on loans was $297.6 million, or 1.90% of total loans, at both March 31, 2026 and December 31, 2025. As of March 31, 2026 and December 31, 2025, the Company’s allowance for credit losses on loans was 163.43% and 350.17% of its total non-performing loans, respectively.

Shareholders’ equity was $4.35 billion at March 31, 2026, which increased approximately $52.7 million from December 31, 2025. The net increase in shareholders’ equity is primarily associated with the $76.9 million increase in retained earnings. This was partially offset by the $13.5 million decrease in accumulated other comprehensive income and the $13.9 million in stock repurchases for the quarter. Book value per common share was $22.15 at March 31, 2026, compared to $21.88 at December 31, 2025. Tangible book value per common share (non-GAAP) was $14.87(1) at March 31, 2026, compared to $14.60(1) at December 31, 2025. Book value per common share and tangible book value per common share, as of March 31, 2026, were both records for the Company.

Stock Repurchases and Dividends

During the three-month period ended March 31, 2026, the Company repurchased 507,622 shares of common stock, which equated to a shareholder buyback yield of 0.25%(2). In comparison, during the three-month period ended December 31, 2025, the Company repurchased 540,706 shares of common stock, which equated to a shareholder buyback yield of 0.27%(2). The Company defines shareholder buyback yield as the percentage of the Company’s market capitalization spent on share repurchases. It reflects how much the Company is returning to the shareholders by reducing the number of outstanding shares, and it is calculated by dividing the Company’s total share repurchase cost for the period by the Company’s total market capitalization at the beginning of the period.

In addition, during the quarter ended March 31, 2026, the Company paid a dividend of $0.21 per share. This cash dividend was consistent with the dividend paid during the fourth quarter of 2025.

Branches

The Company currently has 75 branches in Arkansas, 78 branches in Florida, 59 branches in Texas, 8 branches in Tennessee, 5 branches in Alabama and one branch in New York City.

Acquisition

Effective April 1, 2026, the Company completed its previously announced acquisition of Mountain Commerce Bancorp, Inc. (“Mountain Commerce” or “MCBI”), parent company of Mountain Commerce Bank, pursuant to the terms of a previously disclosed definitive agreement and plan of merger (the “Merger Agreement”). The acquisition was completed through a series of mergers resulting in Mountain Commerce merging into Home and Mountain Commerce Bank merging into Centennial (collectively, the “Merger”).

Under the terms of the Merger Agreement, Home issued approximately 5.4 million shares of its common stock valued at approximately $146 million as of April 1, 2026, with MCBI shareholders receiving 0.85 shares of Home common stock for each share of MCBI common stock they owned at closing. No cash consideration was paid in connection with the Merger, except for cash paid in lieu of fractional shares of Home common stock, equal to $26.77 multiplied by any resulting fractional shares of Home common stock to which the former MCBI shareholders would have been entitled.

Conference Call

Management will conduct a conference call to review this information at 1:00 p.m. CT (2:00 p.m. ET) on Thursday, April 16, 2026. We strongly encourage all participants to pre-register for the conference call webcast or the live call using one of the following links. First, participants can pre-register for the conference call webcast using the following link: https://events.q4inc.com/attendee/401378152. Participants who pre-register will be given a unique webcast link to gain immediate access to the conference call webcast. Second, participants can pre-register for the live call using the following link: https://www.netroadshow.com/events/login/LE9zwo3kRY977wuorjaoPFDRQh4g9LFnhMn. Participants who pre-register will be given the phone number and unique access codes to gain immediate access to the live call. Participants may pre-register now, or at any time prior to the call, and will immediately receive simple instructions via email. The Home BancShares conference call will also be scheduled as an event in your Outlook calendar.

Those without internet access or unable to pre-register may dial in and listen to the live call by calling 1-833-470-1428, Passcode: 493634. A replay of the call will be available by calling 1-866-813-9403, Passcode: 515402, which will be available until April 23, 2026, at 10:59 p.m. CT. Internet access to the call will be available live or in recorded version on the Company's website at www.homebancshares.com.

About Home BancShares

Home BancShares, Inc. is a bank holding company headquartered in Conway, Arkansas. Its wholly-owned subsidiary, Centennial Bank, provides a broad range of commercial and retail banking plus related financial services to businesses, real estate developers, investors, individuals and municipalities. Centennial Bank has branch locations in Arkansas, Florida, Texas, Tennessee, South Alabama and New York City. The Company’s common stock is traded through the New York Stock Exchange under the symbol “HOMB.” The Company was founded in 1998. Visit www.homebancshares.com or www.my100bank.com for more information.

Non-GAAP Financial Measures

This press release contains financial information determined by methods other than in accordance with generally accepted accounting principles (GAAP). The Company’s management uses these non-GAAP financial measures--including net income (earnings), as adjusted; pre-tax, pre-provision, net income (PPNR); PPNR, as adjusted; pre-tax net income, as adjusted, to total revenue (net); pre-tax, pre-provision, profit percentage; pre-tax, pre-provision, profit percentage, as adjusted; diluted earnings per common share, as adjusted; return on average assets, as adjusted; return on average assets excluding intangible amortization; return on average assets, as adjusted, excluding intangible amortization; return on average common equity, as adjusted; return on average tangible common equity; return on average tangible common equity, as adjusted; return on average tangible common equity excluding intangible amortization; return on average tangible common equity, as adjusted, excluding intangible amortization; efficiency ratio, as adjusted; tangible book value per common share and tangible common equity to tangible assets--to provide meaningful supplemental information regarding our performance. These measures typically adjust GAAP performance measures to include the tax benefit associated with revenue items that are tax-exempt, as well as adjust income available to common shareholders for certain significant items or transactions that management believes are not indicative of the Company’s primary business operating results. Since the presentation of these GAAP performance measures and their impact differ between companies, management believes presentations of these non-GAAP financial measures provide useful supplemental information that is essential to a proper understanding of the operating results of the Company’s business. These non-GAAP disclosures should not be viewed as a substitute for operating results determined in accordance with GAAP, nor are they necessarily comparable to non-GAAP performance measures that may be presented by other companies. Where non-GAAP financial measures are used, the comparable GAAP financial measure, as well as the reconciliation to the comparable GAAP financial measure, can be found in the tables of this release.

(1) Calculation of this metric and the reconciliation to GAAP are included in the schedules accompanying this release.

(2) Calculation of this metric is included in the schedules accompanying this release.

General

This release contains forward-looking statements regarding the Company’s plans, expectations, goals and outlook for the future, including future financial results. Statements in this press release that are not historical facts should be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements are not guarantees of future events, performance or results. When we use words or phrases like “may,” “will,” “plan,” “propose,” “contemplate,” “anticipate,” “believe,” “intend,” “continue,” “expect,” “project,” “predict,” “estimate,” “could,” “should,” “would” and similar expressions, you should consider them as identifying forward-looking statements, although we may use other phrasing. Forward-looking statements of this type speak only as of the date of this news release. By nature, forward-looking statements involve inherent risks and uncertainties. Various factors could cause actual results to differ materially from those contemplated by the forward-looking statements. These factors include, but are not limited to, the following: economic conditions, credit quality, interest rates, loan demand, real estate values and unemployment, including any future impacts from inflation or changes in tariffs or trade policies; the risk that the anticipated benefits from the completed acquisition may not be fully realized or may take longer to realize than expected, including as a result of changes in general economic and market conditions, interest and exchange rates, monetary policy, laws and regulations and their enforcement, and the degree of competition in the geographic and business areas in which Home and MCBI operate; the ability to promptly and effectively integrate the businesses of Home and MCBI; the ability to retain key employees, customers and business relationships following the acquisition; the reaction to the completed acquisition of the companies’ customers, employees and counterparties; diversion of management time on integration-related issues; the possibility that the costs of integration may be greater than anticipated; the effect of any future mergers, acquisitions or other transactions to which we or our bank subsidiary may from time to time be a party, including as a result of one or more of the factors described above as they would relate to such transaction; the ability to identify, complete and successfully integrate additional acquisitions; the availability of and access to capital and liquidity on terms acceptable to us; legislative and regulatory changes and risks and expenses associated with current and future legislation and regulations; technological changes and cybersecurity risks and incidents; the effects of changes in accounting policies and practices; changes in governmental monetary and fiscal policies; the impacts of political instability, ongoing or future military conflicts and other major domestic or international events; the impacts of recent or future adverse weather events, including hurricanes, and other natural disasters; competition from other financial institutions; potential claims, expenses and other adverse effects related to current or future litigation, regulatory examinations or other government actions; potential increases in deposit insurance assessments, increased regulatory scrutiny or market disruptions resulting from financial challenges in the banking industry; disruptions, uncertainties and related effects on credit quality, liquidity and other aspects of our business and operations that may result from any future public health crises; changes in the assumptions used in making the forward-looking statements; and other factors described in reports we file with the Securities and Exchange Commission (the “SEC”), including those factors set forth in our Annual Report on Form 10-K for the year ended December 31, 2025, filed with the SEC on February 27, 2026. Home assumes no obligation to update the information in this press release, except as otherwise required by law.

####

FOR MORE INFORMATION CONTACT:

Donna Townsell

Director of Investor Relations

Home BancShares, Inc.

(501) 328-4625

Home BancShares, Inc.

Consolidated End of Period Balance Sheets

(Unaudited)

(In thousands)						Mar 31, 2026						Dec 31, 2025						Sep 30, 2025						Jun 30, 2025						Mar 31, 2025
ASSETS
Cash and due from banks						$	296,209					$	237,224					$	284,750					$	291,344					$	319,747
Interest-bearing deposits with other banks						815,714						430,113						516,170						809,729						975,983
Cash and cash equivalents						1,111,923						667,337						800,920						1,101,073						1,295,730
Federal funds sold						6,025						3,000						3,625						2,600						6,275
Investment securities - available-for-sale,      net of allowance for credit losses						2,803,847						2,871,931						2,924,496						2,899,968						3,003,320
Investment securities - held-to-maturity,      net of allowance for credit losses						1,256,635						1,259,262						1,264,200						1,265,292						1,269,896
Total investment securities						4,060,482						4,131,193						4,188,696						4,165,260						4,273,216
Loans receivable						15,633,628						15,686,209						15,285,972						15,180,624						14,952,116
Allowance for credit losses						(297,634)						(297,583)						(285,649)						(281,869)						(279,944)
Loans receivable, net						15,335,994						15,388,626						15,000,323						14,898,755						14,672,172
Bank premises and equipment, net						374,010						369,324						374,515						379,729						384,843
Foreclosed assets held for sale						40,874						39,831						41,263						41,529						39,680
Cash value of life insurance						221,830						220,469						219,075						218,113						221,621
Accrued interest receivable						106,628						108,939						110,702						107,732						115,983
Deferred tax asset, net						143,987						148,022						155,963						174,323						170,120
Goodwill						1,398,253						1,398,253						1,398,253						1,398,253						1,398,253
Core deposit intangible						30,355						32,293						34,231						36,255						38,280
Other assets						371,318						374,592						380,236						383,400						376,030
Total assets						$	23,201,679					$	22,881,879					$	22,707,802					$	22,907,022					$	22,992,203
LIABILITIES AND SHAREHOLDERS' EQUITY
Deposits:
Demand and non-interest-bearing						$	3,994,217					$	3,868,405					$	3,880,101					$	4,024,574					$	4,079,289
Savings and interest-bearing transaction         accounts						11,971,866						11,792,828						11,500,921						11,571,949						11,586,106
Time deposits						1,772,192						1,818,724						1,946,674						1,891,909						1,876,096
Total deposits						17,738,275						17,479,957						17,327,696						17,488,432						17,541,491
Securities sold under agreements to repurchase						157,409						155,803						145,998						140,813						161,401
FHLB and other borrowed funds						500,250						500,250						550,500						550,500						600,500
Accrued interest payable and other liabilities						176,727						169,733						189,551						203,004						207,154
Subordinated debentures						279,433						279,265						279,093						438,957						439,102
Total liabilities						18,852,094						18,585,008						18,492,838						18,821,706						18,949,648
Shareholders' equity
Common stock						1,964						1,964						1,969						1,972						1,982
Capital surplus						2,191,243						2,201,923						2,214,211						2,221,576						2,246,312
Retained earnings						2,335,787						2,258,871						2,181,911						2,097,712						2,018,801
Accumulated other comprehensive loss						(179,409)						(165,887)						(183,127)						(235,944)						(224,540)
Total shareholders' equity						4,349,585						4,296,871						4,214,964						4,085,316						4,042,555
Total liabilities and shareholders' equity						$	23,201,679					$	22,881,879					$	22,707,802					$	22,907,022					$	22,992,203

Home BancShares, Inc.

Consolidated Statements of Income

(Unaudited)

						Quarter Ended																														Three Months Ended
(In thousands)						Mar 31, 2026						Dec 31, 2025						Sep 30, 2025						Jun 30, 2025						Mar 31, 2025						Mar 31, 2026						Mar 31, 2025
Interest income:
Loans						$	273,473					$	285,491					$	283,165					$	276,041					$	270,784					$	273,473					$	270,784
Investment securities
Taxable						24,728						25,860						26,326						26,444						27,433						24,728						27,433
Tax-exempt						7,829						7,834						7,743						7,626						7,650						7,829						7,650
Deposits - other banks						4,945						4,405						6,242						8,951						6,620						4,945						6,620
Federal funds sold						48						41						56						53						55						48						55
Total interest income						311,023						323,631						323,532						319,115						312,542						311,023						312,542
Interest expense:
Interest on deposits						79,145						83,739						87,962						88,489						86,786						79,145						86,786
FHLB and other borrowed funds						4,692						4,985						5,378						5,539						5,902						4,692						5,902
Securities sold under agreements to         repurchase						927						962						1,019						1,012						1,074						927						1,074
Subordinated debentures						2,355						2,359						3,007						4,123						4,124						2,355						4,124
Total interest expense						87,119						92,045						97,366						99,163						97,886						87,119						97,886
Net interest income						223,904						231,586						226,166						219,952						214,656						223,904						214,656
Provision for credit losses on loans						1,500						14,400						6,700						3,000						—						1,500						—
Recovery of credit losses on         unfunded commitments						(1,000)						—						(1,000)						—						—						(1,000)						—
Recovery of credit losses on investment         securities						—						—						(2,194)						—						—						—						—
Total credit loss expense						500						14,400						3,506						3,000						—						500						—
Net interest income after credit loss expense						223,404						217,186						222,660						216,952						214,656						223,404						214,656
Non-interest income:
Service charges on deposit accounts						10,007						10,480						10,486						9,552						9,650						10,007						9,650
Other service charges and fees						9,810						11,148						12,130						12,643						10,689						9,810						10,689
Trust fees						5,482						5,121						4,600						5,234						4,760						5,482						4,760
Mortgage lending income						4,430						4,680						4,691						4,780						3,599						4,430						3,599
Insurance commissions						536						460						574						589						535						536						535
Increase in cash value of life insurance						1,368						1,400						1,404						1,415						1,842						1,368						1,842
Dividends from FHLB, FRB, FNBB & other						2,536						2,678						2,658						2,657						2,718						2,536						2,718
Gain on SBA loans						80						308						46						—						288						80						288
(Loss) gain on branches, equipment and other        assets, net						(7)						11						(66)						972						(163)						(7)						(163)
Gain (loss) on OREO, net						707						203						(1)						13						(376)						707						(376)
Fair value adjustment for marketable         securities						(1,248)						1,173						1,020						(238)						442						(1,248)						442
Other income						9,102						12,838						13,963						13,462						11,442						9,102						11,442
Total non-interest income						42,803						50,500						51,505						51,079						45,426						42,803						45,426
Non-interest expense:
Salaries and employee benefits						63,236						62,891						63,804						64,318						61,855						63,236						61,855
Occupancy and equipment						14,867						14,434						14,828						14,023						14,425						14,867						14,425
Data processing expense						8,884						8,653						8,871						8,364						8,558						8,884						8,558
Merger and acquisition expenses						394						580						—						—						—						394						—
Other operating expenses						26,594						27,805						27,335						29,335						28,090						26,594						28,090
Total non-interest expense						113,975						114,363						114,838						116,040						112,928						113,975						112,928
Income before income taxes						152,232						153,323						159,327						151,991						147,154						152,232						147,154
Income tax expense						34,023						35,098						35,723						33,588						31,945						34,023						31,945
Net income						$	118,209					$	118,225					$	123,604					$	118,403					$	115,209					$	118,209					$	115,209

Home BancShares, Inc.

Selected Financial Information

(Unaudited)

						Quarter Ended																														Three Months Ended
(Dollars and shares in thousands, except per share data)						Mar 31, 2026						Dec 31, 2025						Sep 30, 2025						Jun 30, 2025						Mar 31, 2025						Mar 31, 2026						Mar 31, 2025
PER SHARE DATA
Diluted earnings per common share						$	0.60					$	0.60					$	0.63					$	0.60					$	0.58					$	0.60					$	0.58
Diluted earnings per common share, as adjusted     (non-GAAP)(1)						0.60						0.60						0.61						0.58						0.56						0.60						0.56
Basic earnings per common share						0.60						0.60						0.63						0.60						0.58						0.60						0.58
Dividends per share - common						0.21						0.21						0.200						0.200						0.195						0.210						0.195
Shareholder buyback yield(2)						0.25%						0.27%						0.18%						0.49%						0.53%						0.25%						0.53%
Book value per common share						$	22.15					$	21.88					$	21.41					$	20.71					$	20.40					$	22.15					$	20.40
Tangible book value per common share      (non-GAAP)(1)						14.87						14.60						14.13						13.44						13.15						14.87						13.15
STOCK INFORMATION
Average common shares outstanding						196,528						196,553						197,078						197,532						198,657						196,528						198,657
Average diluted shares outstanding						196,733						196,764						197,288						197,765						198,852						196,733						198,852
End of period common shares outstanding						196,394						196,357						196,889						197,239						198,206						196,394						198,206
ANNUALIZED PERFORMANCE METRICS
Return on average assets (ROA)						2.09		%				2.06		%				2.17		%				2.08		%				2.07		%				2.09		%				2.07		%
Return on average assets, as adjusted:      (ROA, as adjusted) (non-GAAP)(1)						2.09						2.05						2.10						2.02						2.01						2.09						2.01
Return on average assets excluding intangible      amortization (non-GAAP)(1)						2.25						2.22						2.34						2.25						2.24						2.25						2.24
Return on average assets, as adjusted, excluding      intangible amortization (non-GAAP)(1)						2.25						2.22						2.27						2.18						2.18						2.25						2.18
Return on average common equity (ROE)						11.09						11.04						11.91						11.77						11.75						11.09						11.75
Return on average common equity, as adjusted:      (ROE, as adjusted) (non-GAAP)(1)						11.08						11.01						11.54						11.39						11.41						11.08						11.41
Return on average tangible common equity      (ROTCE) (non-GAAP)(1)						16.56						16.65						18.28						18.26						18.39						16.56						18.39
Return on average tangible common equity, as adjusted:      (ROTCE, as adjusted) (non-GAAP)(1)						16.55						16.60						17.70						17.68						17.87						16.55						17.87
Return on average tangible common equity excluding      intangible amortization (non-GAAP)(1)						16.76						16.85						18.51						18.50						18.64						16.76						18.64
Return on average tangible common equity, as adjusted,      excluding intangible amortization (non-GAAP)(1)						16.76						16.80						17.93						17.92						18.12						16.76						18.12

(1)  Calculation of this metric and the reconciliation to GAAP are included in the schedules accompanying this release.

(2) Calculation of this metric is included in the schedules accompanying this release.

Home BancShares, Inc.

Selected Financial Information

(Unaudited)

						Quarter Ended																														Three Months Ended
(Dollars in thousands)						Mar 31, 2026						Dec 31, 2025						Sep 30, 2025						Jun 30, 2025						Mar 31, 2025						Mar 31, 2026						Mar 31, 2025
Efficiency ratio						41.59		%				39.54		%				40.21		%				41.68		%				42.22		%				41.59		%				42.22		%
Efficiency ratio, as adjusted (non-GAAP)(1)						41.99						39.53						40.95						42.01						42.84						41.99						42.84
Net interest margin - FTE (NIM)						4.51						4.61						4.56						4.44						4.44						4.51						4.44
Fully taxable equivalent adjustment						$	2,661					$	2,252					$	2,916					$	2,526					$	2,534					$	2,661					$	2,534
Total revenue (net)						266,707						282,086						277,671						271,031						260,082						266,707						260,082
Pre-tax, pre-provision, net income (PPNR)      (non-GAAP)(1)						152,732						167,723						162,833						154,991						147,154						152,732						147,154
PPNR, as adjusted (non-GAAP)(1)						152,677						167,130						157,704						150,404						142,821						152,677						142,821
Pre-tax net income to total revenue (net)						57.08		%				54.35		%				57.38		%				56.08		%				56.58		%				57.08		%				56.58		%
Pre-tax net income, as adjusted, to total revenue (net) (non-GAAP)(1)						57.06						54.14						55.53						54.39						54.91						57.06						54.91
P5NR ((Pre-tax, pre-provision, profit percentage) (PPNR to total revenue (net)) (non-GAAP)(1)						57.27						59.46						58.64						57.19						56.58						57.27						56.58
P5NR, as adjusted (non-GAAP)(1)						57.25						59.25						56.80						55.49						54.91						57.25						54.91
Total purchase accounting accretion						$	1,061					$	1,265					$	1,272					$	1,233					$	1,378					$	1,061					$	1,378
Average purchase accounting loan discounts						12,507						13,753						15,009						16,219						17,493						12,507						17,493
OTHER OPERATING EXPENSES
Advertising						$	2,227					$	2,114					$	2,149					$	2,054					$	1,928					$	2,227					$	1,928
Amortization of intangibles						1,938						1,938						2,024						2,025						2,047						1,938						2,047
Electronic banking expense						3,326						3,288						3,357						3,172						3,055						3,326						3,055
Directors' fees						518						388						405						431						452						518						452
Due from bank service charges						333						324						404						283						281						333						281
FDIC and state assessment						1,599						2,970						3,245						1,636						3,387						1,599						3,387
Insurance						1,074						1,044						1,110						1,049						999						1,074						999
Legal and accounting						914						1,362						1,061						2,360						3,641						914						3,641
Other professional fees						1,946						2,168						2,083						2,211						1,947						1,946						1,947
Operating supplies						748						759						773						711						711						748						711
Postage						543						564						538						488						503						543						503
Telephone						363						382						367						419						436						363						436
Other expense						11,065						10,504						9,819						12,496						8,703						11,065						8,703
Total other operating expenses						$	26,594					$	27,805					$	27,335					$	29,335					$	28,090					$	26,594					$	28,090

(1) Calculation of this metric and the reconciliation to GAAP are included in the schedules accompanying this release.

Home BancShares, Inc.

Selected Financial Information

(Unaudited)

(Dollars in thousands)						Mar 31, 2026						Dec 31, 2025						Sep 30, 2025						Jun 30, 2025						Mar 31, 2025
BALANCE SHEET RATIOS
Total loans to total deposits						88.13		%				89.74		%				88.22		%				86.80		%				85.24		%
Common equity to assets						18.75						18.78						18.56						17.83						17.58
Tangible common equity to tangible assets      (non-GAAP)(1)						13.42						13.36						13.08						12.35						12.09
LOANS RECEIVABLE
Real estate
Commercial real estate loans
Non-farm/non-residential						$	5,395,529					$	5,290,112					$	5,494,492					$	5,553,182					$	5,588,681
Construction/land development						2,613,604						2,726,993						2,709,197						2,695,561						2,735,760
Agricultural						321,046						332,412						331,301						315,926						335,437
Residential real estate loans
Residential 1-4 family						2,100,374						2,134,334						2,142,375						2,138,990						1,947,872
Multifamily residential						1,232,639						1,140,911						716,595						620,439						576,089
Total real estate						11,663,192						11,624,762						11,393,960						11,324,098						11,183,839
Consumer						1,254,936						1,253,746						1,233,523						1,218,834						1,227,745
Commercial and industrial						2,172,267						2,222,401						2,100,268						2,107,326						2,045,036
Agricultural						329,563						359,879						346,167						323,457						314,323
Other						213,670						225,421						212,054						206,909						181,173
Loans receivable						$	15,633,628					$	15,686,209					$	15,285,972					$	15,180,624					$	14,952,116
ALLOWANCE FOR CREDIT LOSSES
Balance, beginning of period						$	297,583					$	285,649					$	281,869					$	279,944					$	275,880
Loans charged off						2,849						3,063						4,651						4,071						3,458
Recoveries of loans previously charged off						1,400						597						1,731						2,996						7,522
Net loans charged off (recovered)						1,449						2,466						2,920						1,075						(4,064)
Provision for credit losses - loans						1,500						14,400						6,700						3,000						—
Balance, end of period						$	297,634					$	297,583					$	285,649					$	281,869					$	279,944
Net charge-offs (recoveries) to average total loans						0.04		%				0.06		%				0.08		%				0.03		%				(0.11)		%
Allowance for credit losses to total loans						1.90						1.90						1.87						1.86						1.87
NON-PERFORMING ASSETS
Non-performing loans
Non-accrual loans						$	179,639					$	78,002					$	81,087					$	89,261					$	86,383
Loans past due 90 days or more						2,481						6,980						4,125						7,031						3,264
Total non-performing loans						182,120						84,982						85,212						96,292						89,647
Other non-performing assets
Foreclosed assets held for sale, net						40,874						39,831						41,263						41,529						39,680
Other non-performing assets						1,140						—						—						—						63
Total other non-performing assets						42,014						39,831						41,263						41,529						39,743
Total non-performing assets						$	224,134					$	124,813					$	126,475					$	137,821					$	129,390
Allowance for credit losses for loans to non-performing loans						163.43		%				350.17		%				335.22		%				292.72		%				312.27		%
Non-performing loans to total loans						1.16						0.54						0.56						0.63						0.60
Non-performing assets to total assets						0.97						0.55						0.56						0.60						0.56

(1) Calculation of this metric and the reconciliation to GAAP is included in the schedules accompanying this release.

Home BancShares, Inc.

Consolidated Net Interest Margin

(Unaudited)

						Three Months Ended
						March 31, 2026																		December 31, 2025
(Dollars in thousands)						Average Balance						Income/ Expense						Yield/ Rate						Average Balance						Income/ Expense						Yield/ Rate
ASSETS
Earning assets
Interest-bearing balances due from banks						$	557,451					$	4,945					3.60		%				$	450,187					$	4,405					3.88		%
Federal funds sold						5,282						48						3.69						4,177						41						3.89
Investment securities - taxable						2,935,901						24,728						3.42						3,001,146						25,860						3.42
Investment securities - non-taxable - FTE						1,175,663						10,285						3.55						1,166,233						10,240						3.48
Loans receivable - FTE						15,680,598						273,678						7.08						15,506,534						285,337						7.30
Total interest-earning assets						20,354,895						313,684						6.25						20,128,277						325,883						6.42
Non-earning assets						2,599,546																		2,658,575
Total assets						$	22,954,441																	$	22,786,852
LIABILITIES AND SHAREHOLDERS' EQUITY
Liabilities
Interest-bearing liabilities
Savings and interest-bearing transaction accounts						$	11,868,976					$	64,408					2.20		%				$	11,613,721					$	67,534					2.31		%
Time deposits						1,795,501						14,737						3.33						1,858,205						16,205						3.46
Total interest-bearing deposits						13,664,477						79,145						2.35						13,471,926						83,739						2.47
Securities sold under agreement to          repurchase						151,877						927						2.48						148,791						962						2.57
FHLB and other borrowed funds						500,250						4,692						3.80						518,188						4,985						3.82
Subordinated debentures						279,350						2,355						3.42						279,180						2,359						3.35
Total interest-bearing liabilities						14,595,954						87,119						2.42						14,418,085						92,045						2.53
Non-interest bearing liabilities
Non-interest bearing deposits						3,856,492																		3,926,307
Other liabilities						177,275																		193,604
Total liabilities						18,629,721																		18,537,996
Shareholders' equity						4,324,720																		4,248,856
Total liabilities and shareholders' equity						$	22,954,441																	$	22,786,852
Net interest spread																		3.83		%																3.89		%
Net interest income and margin - FTE												$	226,565					4.51												$	233,838					4.61

Home BancShares, Inc.

Consolidated Net Interest Margin

(Unaudited)

						Three Months Ended
						March 31, 2026																		March 31, 2025
(Dollars in thousands)						Average Balance						Income/ Expense						Yield/ Rate						Average Balance						Income/ Expense						Yield/ Rate
ASSETS
Earning assets
Interest-bearing balances due from banks						$	557,451					$	4,945					3.60		%				$	611,962					$	6,620					4.39		%
Federal funds sold						5,282						48						3.69						5,091						55						4.38
Investment securities - taxable						2,935,901						24,728						3.42						3,179,290						27,433						3.50
Investment securities - non-taxable - FTE						1,175,663						10,285						3.55						1,135,783						10,061						3.59
Loans receivable - FTE						15,680,598						273,678						7.08						14,893,912						270,907						7.38
Total interest-earning assets						20,354,895						313,684						6.25						19,826,038						315,076						6.45
Non-earning assets						2,599,546																		2,722,797
Total assets						$	22,954,441																	$	22,548,835
LIABILITIES AND SHAREHOLDERS' EQUITY
Liabilities
Interest-bearing liabilities
Savings and interest-bearing transaction accounts						$	11,868,976					$	64,408					2.20		%				$	11,402,688					$	69,672					2.48		%
Time deposits						1,795,501						14,737						3.33						1,801,503						17,114						3.85
Total interest-bearing deposits						13,664,477						79,145						2.35						13,204,191						86,786						2.67
Securities sold under agreement to          repurchase						151,877						927						2.48						155,861						1,074						2.79
FHLB and other borrowed funds						500,250						4,692						3.80						600,681						5,902						3.98
Subordinated debentures						279,350						2,355						3.42						439,173						4,124						3.81
Total interest-bearing liabilities						14,595,954						87,119						2.42						14,399,906						97,886						2.76
Non-interest bearing liabilities
Non-interest bearing deposits						3,856,492																		3,980,944
Other liabilities						177,275																		190,314
Total liabilities						18,629,721																		18,571,164
Shareholders' equity						4,324,720																		3,977,671
Total liabilities and shareholders' equity						$	22,954,441																	$	22,548,835
Net interest spread																		3.83		%																3.69		%
Net interest income and margin - FTE												$	226,565					4.51												$	217,190					4.44

Home BancShares, Inc.

Non-GAAP Reconciliations

(Unaudited)

						Quarter Ended																														Three Months Ended
(Dollars and shares in thousands, except per share data)						Mar 31, 2026						Dec 31, 2025						Sep 30, 2025						Jun 30, 2025						Mar 31, 2025						Mar 31, 2026						Mar 31, 2025
NET INCOME (EARNINGS), AS ADJUSTED
GAAP net income available to common shareholders (A)						$	118,209					$	118,225					$	123,604					$	118,403					$	115,209					$	118,209					$	115,209
Pre-tax adjustments
Merger and acquisition expense						394						580						—						—						—						394						—
Gain on retirement of subordinated debt						—						—						(1,882)						—						—						—						—
FDIC special assessment credit						(1,697)						—						—						(1,516)						—						(1,697)						—
BOLI death benefits						—						—						(187)						(1,243)						—						—						—
Gain on sale of premises and equipment						—						—						—						(983)						—						—						—
Fair value adjustment for marketable securities						1,248						(1,173)						(1,020)						238						(442)						1,248						(442)
Special income from equity investment						—						—						—						(3,498)						(3,891)						—						(3,891)
Legal fee reimbursement						—						—						—						(885)						—						—						—
Legal claims expense						—						—						—						3,300						—						—						—
Recoveries on historic losses						—						—						(2,040)						—						—						—						—
Total pre-tax adjustments						(55)						(593)						(5,129)						(4,587)						(4,333)						(55)						(4,333)
Tax-effect of adjustments						(13)						(231)						(1,207)						(817)						(1,059)						(13)						(1,059)
Total adjustments after-tax (B)						(42)						(362)						(3,922)						(3,770)						(3,274)						(42)						(3,274)
Net income, as adjusted (C)						$	118,167					$	117,863					$	119,682					$	114,633					$	111,935					$	118,167					$	111,935
Average diluted shares outstanding (D)						196,733						196,764						197,288						197,765						198,852						196,733						198,852
GAAP diluted earnings per share: (A/D)						$	0.60					$	0.60					$	0.63					$	0.60					$	0.58					$	0.60					$	0.58
Adjustments after-tax: (B/D)						—						—						(0.02)						(0.02)						(0.02)						—						(0.02)
Diluted earnings per common share, as adjusted: (C/D)						$	0.60					$	0.60					$	0.61					$	0.58					$	0.56					$	0.60					$	0.56
ANNUALIZED RETURN ON AVERAGE ASSETS
Return on average assets: (A/E)						2.09		%				2.06		%				2.17		%				2.08		%				2.07		%				2.09		%				2.07		%
Return on average assets, as adjusted: (ROA, as adjusted) ((A+D)/E)						2.09						2.05						2.10						2.02						2.01						2.09						2.01
Return on average assets excluding intangible amortization: ((A+C)/(E-F))						2.25						2.22						2.34						2.25						2.24						2.25						2.24
Return on average assets, as adjusted, excluding intangible amortization: ((A+C+D)/(E-F))						2.25						2.22						2.27						2.18						2.18						2.25						2.18
GAAP net income available to common shareholders (A)						$	118,209					$	118,225					$	123,604					$	118,403					$	115,209					$	118,209					$	115,209
Amortization of intangibles (B)						1,938						1,938						2,024						2,025						2,047						1,938						2,047
Amortization of intangibles after-tax (C)						1,466						1,466						1,529						1,530						1,547						1,466						1,547
Adjustments after-tax (D)						(42)						(362)						(3,922)						(3,770)						(3,274)						(42)						(3,274)
Average assets (E)						22,954,441						22,786,852						22,638,938						22,797,738						22,548,835						22,954,441						22,548,835
Average goodwill & core deposit intangible (F)						1,429,527						1,431,479						1,433,474						1,435,480						1,437,515						1,429,527						1,437,515

Home BancShares, Inc.

Non-GAAP Reconciliations

(Unaudited)

						Quarter Ended																														Three Months Ended
(Dollars in thousands)						Mar 31, 2026						Dec 31, 2025						Sep 30, 2025						Jun 30, 2025						Mar 31, 2025						Mar 31, 2026						Mar 31, 2025
ANNUALIZED RETURN ON AVERAGE COMMON EQUITY
Return on average common equity: (A/D)						11.09		%				11.04		%				11.91		%				11.77		%				11.75		%				11.09		%				11.75		%
Return on average common equity, as adjusted: (ROE, as adjusted) ((A+C)/D)						11.08						11.01						11.54						11.39						11.41						11.08						11.41
Return on average tangible common equity:     (ROTCE) (A/(D-E))						16.56						16.65						18.28						18.26						18.39						16.56						18.39
Return on average tangible common equity, as adjusted: (ROTCE, as adjusted) ((A+C)/(D-E))						16.55						16.60						17.70						17.68						17.87						16.55						17.87
Return on average tangible common equity excluding intangible amortization: (B/(D-E))						16.76						16.85						18.51						18.50						18.64						16.76						18.64
Return on average tangible common equity, as adjusted, excluding intangible amortization: ((B+C)/(D-E))						16.76						16.80						17.93						17.92						18.12						16.76						18.12
GAAP net income available to common shareholders (A)						$	118,209					$	118,225					$	123,604					$	118,403					$	115,209					$	118,209					$	115,209
Earnings excluding intangible amortization (B)						119,675						119,691						125,133						119,933						116,756						119,675						116,756
Adjustments after-tax (C)						(42)						(362)						(3,922)						(3,770)						(3,274)						(42)						(3,274)
Average common equity (D)						4,324,720						4,248,856						4,115,884						4,036,155						3,977,671						4,324,720						3,977,671
Average goodwill & core deposits intangible (E)						1,429,527						1,431,479						1,433,474						1,435,480						1,437,515						1,429,527						1,437,515
EFFICIENCY RATIO & P5NR
Efficiency ratio: ((D-G)/(B+C+E))						41.59		%				39.54		%				40.21		%				41.68		%				42.22		%				41.59		%				42.22		%
Efficiency ratio, as adjusted: ((D-G-I)/(B+C+E-H))						41.99						39.53						40.95						42.01						42.84						41.99						42.84
Pre-tax net income to total revenue (net) (A/(B+C))						57.08						54.35						57.38						56.08						56.58						57.08						56.58
Pre-tax net income, as adjusted, to total revenue (net) ((A+F)/(B+C))						57.06						54.14						55.53						54.39						54.91						57.06						54.91
Pre-tax, pre-provision, net income (PPNR) (B+C-D)						$	152,732					$	167,723					$	162,833					$	154,991					$	147,154					$	152,732					$	147,154
Pre-tax, pre-provision, net income, as adjusted (B+C-D+F)						152,677						167,130						157,704						150,404						142,821						152,677						142,821
P5NR ((Pre-tax, pre-provision, profit percentage) PPNR to total revenue (net)) (B+C-D)/(B+C)						57.27		%				59.46		%				58.64		%				57.19		%				56.58		%				57.27		%				56.58		%
P5NR, as adjusted (B+C-D+F)/(B+C)						57.25						59.25						56.80						55.49						54.91						57.25						54.91
Pre-tax net income (A)						$	152,232					$	153,323					$	159,327					$	151,991					$	147,154					$	152,232					$	147,154
Net interest income (B)						223,904						231,586						226,166						219,952						214,656						223,904						214,656
Non-interest income (C)						42,803						50,500						51,505						51,079						45,426						42,803						45,426
Non-interest expense (D)						113,975						114,363						114,838						116,040						112,928						113,975						112,928
Fully taxable equivalent adjustment (E)						2,661						2,252						2,916						2,526						2,534						2,661						2,534
Total pre-tax adjustments (F)						(55)						(593)						(5,129)						(4,587)						(4,333)						(55)						(4,333)
Amortization of intangibles (G)						1,938						1,938						2,024						2,025						2,047						1,938						2,047
Adjustments:
Non-interest income:
Gain on retirement of subordinated debt						$	—					$	—					$	1,882					$	—					$	—					$	—					$	—
Fair value adjustment for marketable securities						(1,248)						1,173						1,020						(238)						442						(1,248)						442
Gain (loss) on OREO						707						203						(1)						13						(376)						707						(376)
Gain (loss) on branches, equipment and other assets, net						(7)						11						(66)						972						(163)						(7)						(163)
Special income from equity investment						—						—						—						3,498						3,891						—						3,891
Legal expense reimbursement						—						—						—						885						—						—						—
BOLI death benefits						—						—						187						1,243						—						—						—
Recoveries on historic losses						—						—						2,040						—						—						—						—
Total non-interest income adjustments (H)						$	(548)					$	1,387					$	5,062					$	6,373					$	3,794					$	(548)					$	3,794
Non-interest expense:
FDIC special assessment credit						(1,697)						—						—						(1,516)						—						(1,697)						—
Merger and acquisition expenses						394						580						—						—						—						394						—
Legal claims expense						—						—						—						3,300						—						—						—
Total non-interest expense adjustments (I)						$	(1,303)					$	580					$	—					$	1,784					$	—					$	(1,303)					$	—

Home BancShares, Inc.

Non-GAAP Reconciliations

(Unaudited)

						Quarter Ended
						Mar 31, 2026						Dec 31, 2025						Sep 30, 2025						Jun 30, 2025						Mar 31, 2025
TANGIBLE BOOK VALUE PER COMMON SHARE
Book value per common share: (A/B)						$	22.15					$	21.88					$	21.41					$	20.71					$	20.40
Tangible book value per common share: ((A-C-D)/B)						14.87						14.60						14.13						13.44						13.15
Total shareholders' equity (A)						$	4,349,585					$	4,296,871					$	4,214,964					$	4,085,316					$	4,042,555
End of period common shares outstanding (B)						196,394						196,357						196,889						197,239						198,206
Goodwill (C)						1,398,253						1,398,253						1,398,253						1,398,253						1,398,253
Core deposit and other intangibles (D)						30,355						32,293						34,231						36,255						38,280
TANGIBLE COMMON EQUITY TO TANGIBLE ASSETS
Equity to assets: (B/A)						18.75		%				18.78		%				18.56		%				17.83		%				17.58		%
Tangible common equity to tangible assets: ((B-C-D)/(A-C-D))						13.42						13.36						13.08						12.35						12.09
Total assets (A)						$	23,201,679					$	22,881,879					$	22,707,802					$	22,907,022					$	22,992,203
Total shareholders' equity (B)						4,349,585						4,296,871						4,214,964						4,085,316						4,042,555
Goodwill (C)						1,398,253						1,398,253						1,398,253						1,398,253						1,398,253
Core deposit and other intangibles (D)						30,355						32,293						34,231						36,255						38,280

Home BancShares, Inc.

Shareholder Buyback Yield

(Unaudited)

						Quarter Ended																														Three Months Ended
(Dollars and shares in thousands)						Mar 31, 2026						Dec 31, 2025						Sep 30, 2025						Jun 30, 2025						Mar 31, 2025						Mar 31, 2026						Mar 31, 2025
SHAREHOLDER BUYBACK YIELD
Shareholder buyback yield: (A/B)						0.25		%				0.27		%				0.18		%				0.49		%				0.53		%				0.25		%				0.53		%
Shares repurchased						508						541						350						1,000						1,000						508						1,000
Average price per share						$	27.32					$	27.26					$	28.34					$	26.99					$	29.67					$	27.32					$	29.67
Principal cost						13,877						14,747						9,918						26,989						29,668						13,877						29,668
Excise tax						1						141						93						459						117						1						117
Total share repurchase cost (A)						$	13,878					$	14,888					$	10,011					$	27,448					$	29,785					$	13,878					$	29,785
Shares outstanding beginning of period						196,357						196,889						197,239						198,206						198,882						196,357						198,882
Price per share beginning of period						$	27.78					$	28.30					$	28.46					$	28.27					$	28.30					$	27.78					$	28.30
Market capitalization beginning of period (B)						$	5,454,797					$	5,571,959					$	5,613,422					$	5,603,284					$	5,628,361					$	5,454,797					$	5,628,361

NYSE: HOMB | 1st Quarter Earnings Call www.homebancshares.com Exhibit 99.2

NON-GAAP FINANCIAL MEASURES This presentation contains financial information determined by methods other than in accordance with generally accepted accounting principles (GAAP). The management of Home BancShares, Inc. (the “Company”) uses these non-GAAP financial measures--including net income (earnings), as adjusted; pre- tax, pre-provision, net income (PPNR); PPNR, as adjusted; return on average assets, as adjusted; efficiency ratio, as adjusted; and tangible book value per share--to provide meaningful supplemental information regarding our performance. These measures typically adjust GAAP performance measures to include the tax benefit associated with revenue items that are tax-exempt, as well as adjust income available to common shareholders for certain significant items or transactions that management believes are not indicative of the Company’s primary business operating results. Since the presentation of these GAAP performance measures and their impact differ between companies, management believes presentations of these non- GAAP financial measures provide useful supplemental information that is essential to a proper understanding of the operating results of the Company’s business. These non-GAAP disclosures should not be viewed as a substitute for operating results determined in accordance with GAAP, nor are they necessarily comparable to non-GAAP performance measures that may be presented by other companies. Where non-GAAP financial measures are used, the comparable GAAP financial measure, as well as the reconciliation to the comparable GAAP financial measure, can be found in the tables accompanying the Company’s earnings press release for the quarter ended March 31, 2026, available at https://www.homebancshares.com/news-events/news/default.aspx. 2

NET INCOME 3 During the first quarter of 2026, the Company delivered stable and resilient earnings performance, with net income of approximately $118.2 million, consistent with the prior quarter and up year over year. Net income, as adjusted (non-GAAP)(1), of approximately $118.2 million further reflects the strength and sustainability of underlying operations. (1) Calculation of this metric and the reconciliation to GAAP can be found in the tables accompanying the Company’s earnings press release for the quarter ended March 31, 2026, available at https://www.homebancshares.com/news-events/news/default.aspx.

PRE-TAX, PRE-PROVISION NET INCOME 4 The chart below reflects solid year-over-year growth in pre-tax, pre-provision net revenue (PPNR) during the first quarter of 2026, reflecting continued strength in operating performance. PPNR totaled approximately $152.7 million, representing an increase of $5.6 million, or 3.8%, compared to the first quarter of 2025. PPNR, as adjusted (non-GAAP)(1), increased $9.9 million, or 6.9%, year over year to approximately $152.7 million, underscoring improved underlying profitability and disciplined expense management. (1) Calculation of this metric and the reconciliation to GAAP can be found in the tables accompanying the Company’s earnings press release for the quarter ended March 31, 2026, available at https://www.homebancshares.com/news-events/news/default.aspx.

NET INTEREST INCOME AFTER CREDIT LOSS EXPENSE 5 Net interest income after credit loss expense increased by $6.2 million from Q4 2025 to Q1 2026 and $8.7 million on a year over year basis. These results reflect a generally upward trend throughout the periods presented, supported by effective balance sheet management and stable credit performance. Despite normal quarterly variability, the Company delivered consistent, high-quality earnings, underscoring the strength and resilience of its net interest income.

NON-INTEREST INCOME 6 Non-interest income was $42.8 million for the first quarter of 2026, reflecting a normalization from the levels experienced in prior quarters, primarily due to certain non-continuing other income items. Results remained supported by a diversified mix of revenue streams, with performance over the prior several quarters demonstrating the Company’s ability to generate stable non-interest income despite typical quarterly variability. Management continues to emphasize disciplined execution and strategic growth initiatives to support long-term, sustainable income generation.

TOTAL REVENUE (NET) 7 Total revenue (net) during the first quarter of 2026 was approximately $266.7 million, representing an increase of $6.6 million, or 2.5%, year over year. While revenue moderated from the fourth quarter, results demonstrate the durability of the Company’s revenue base and provide a strong foundation for further growth as 2026 progresses.

EXPENSES 8 During the first quarter of 2026, the Company demonstrated continued expense discipline and effective balance sheet management. Interest expense declined to $87.1 million primarily due to the declining interest rate environment. Non-interest expense remained well controlled at approximately $114.0 million, consistent with prior quarter levels. Together, these trends highlight the Company’s focus on cost efficiency and operating discipline, supporting strong operating leverage and overall earnings performance.

EFFICIENCY RATIO 9 The Company continued to demonstrate strong operating discipline throughout Q1 2026, posting an efficiency ratio of 41.6%. While modestly higher than the fourth quarter level, the efficiency ratio reflects continued, effective expense management and remains well controlled. The efficiency ratio, as adjusted (non-GAAP)(1), of approximately 42.0% underscores the consistency of underlying operating efficiency, highlighting the Company’s ability to balance investment in growth with disciplined cost management. (1) Calculation of this metric and the reconciliation to GAAP can be found in the tables accompanying the Company’s earnings press release for the quarter ended March 31, 2026, available at https://www.homebancshares.com/news-events/news/default.aspx.

RETURN ON AVERAGE ASSETS 10 The Company delivered strong and improving return on average assets (ROA) during the first quarter of 2026, with an ROA of approximately 2.09%. This performance reflects both a year over year and sequential quarterly increase, underscoring continued balance sheet efficiency and disciplined execution. ROA, as adjusted (non-GAAP)(1), also increased to approximately 2.09%, demonstrating consistent earnings quality and effective asset utilization. Overall, Q1 2026 ROA highlights the Company’s ability to generate attractive returns while maintaining operational and financial stability. (1) Calculation of this metric and the reconciliation to GAAP can be found in the tables accompanying the Company’s earnings press release for the quarter ended March 31, 2026, available at https://www.homebancshares.com/news-events/news/default.aspx.

NET INTEREST MARGIN 11 The tables below present additional key financial metrics over the past five quarters, including net interest margin (NIM), yield on interest-earning assets, rate on interest-bearing liabilities, and net interest spread. These metrics are fundamental indicators of the Company’s profitability and operational efficiency.

BOOK VALUE PER SHARE 12 Book value per share increased to $22.15 at March 31, 2026, representing steady growth from $20.40 at March 31, 2025. Tangible book value per share (non-GAAP)(1) also rose consistently to $14.87 over the same period. The continued sequential improvement reflects retained earnings growth and disciplined capital management, underscoring the Company’s ability to build shareholder value through a range of operating conditions. Book value per share and tangible book value per share (non-GAAP)(1) as of March 31, 2026 are both records for the Company. (1) Calculation of this metric and the reconciliation to GAAP can be found in the tables accompanying the Company’s earnings press release for the quarter ended March 31, 2026, available at https://www.homebancshares.com/news-events/news/default.aspx.

CONTACT INFORMATION 13 Corporate Headquarters Home BancShares, Inc. 719 Harkrider Street, Suite 100 P.O. Box 966 Conway, AR 72033 Financial Information Donna Townsell Director of Investor Relations (501) 328-4625 Website www.homebancshares.com

NYSE: HOMB | 1st Quarter Earnings Call www.homebancshares.com

FAQ

How did Home BancShares (HOMB) perform financially in Q1 2026?

Home BancShares earned about $118.2 million in net income in Q1 2026, with diluted EPS of $0.60. Total revenue (net) reached $266.7 million, up 2.5% year over year, and return on average assets improved to 2.09%, reflecting strong profitability.

What happened to Home BancShares’ credit quality in Q1 2026?

Credit quality weakened as non-performing loans increased to $182.1 million and non-performing assets to $224.1 million. The company explains the jump mainly by one $92.1 million loan relationship moving to non-accrual, while maintaining an allowance for credit losses of 1.90% of loans.

What are Home BancShares’ key capital and book value metrics for March 31, 2026?

At March 31, 2026, Home BancShares reported common equity tier 1 capital of 16.7% and total risk-based capital of 19.5%. Book value per share reached a record $22.15, and tangible book value per share was also a record at $14.87.

Did Home BancShares (HOMB) repurchase shares or pay dividends in Q1 2026?

Yes. Home BancShares repurchased 507,622 common shares in Q1 2026, producing a shareholder buyback yield of 0.25%. The company also paid a quarterly cash dividend of $0.21 per share, matching the prior quarter’s dividend level.

What are Home BancShares’ loan, deposit, and asset levels as of March 31, 2026?

As of March 31, 2026, Home BancShares had total loans receivable of $15.63 billion, total deposits of $17.74 billion, and total assets of $23.20 billion. The total loans-to-total deposits ratio was 88.13%, indicating a relatively balanced loan-to-funding mix.

What are the main terms of Home BancShares’ acquisition of Mountain Commerce Bancorp?

Effective April 1, 2026, Home BancShares completed its acquisition of Mountain Commerce Bancorp, issuing about 5.4 million Home shares valued at roughly $146 million. Mountain Commerce shareholders received 0.85 Home share for each MCBI share, with only cash for fractional shares.

Filing Exhibits & Attachments

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• EX-99.1 EX-99.1 1.1 MB
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