Home BancShares (NYSE: HOMB) secures key approvals for Mountain Commerce Bancorp merger

Rhea-AI Filing Summary

Home BancShares, Inc. filed an 8-K reporting that it has received required regulatory approvals to acquire Mountain Commerce Bancorp, Inc., the holding company for Mountain Commerce Bank. Regulators at the Federal Reserve and the Arkansas State Bank Department also approved merging Mountain Commerce Bank into Centennial Bank, Home’s wholly owned banking subsidiary.

The merger is expected to close early in the second quarter of 2026, subject to remaining closing conditions in the merger agreement between Home and MCBI. The company cautions that forward-looking statements about the timing and benefits of the merger involve risks and uncertainties, including the possibility that closing may be delayed or may not occur.

Insights

Banking sector M&A analyst

Regulatory approvals move Home BancShares’ Mountain Commerce deal toward closing.

Home BancShares has secured approvals from the Federal Reserve and the Arkansas State Bank Department for its acquisition of Mountain Commerce Bancorp and the merger of Mountain Commerce Bank into Centennial Bank. This clears a key regulatory hurdle for the transaction.

The closing still depends on remaining conditions in the merger agreement, so completion is not guaranteed. The company highlights typical forward-looking risks, including potential delays or failure to satisfy conditions, which could alter expected benefits.

Investors may focus on future filings around the expected early Q2 2026 closing window for more detail on integration progress and any financial impact once the merger is completed and results begin to reflect the combined operations.

8-K Event Classification

Item 8.01 — Other Events

1 item

Item 8.01 Other Events Other

Voluntary disclosure of events the company deems important to shareholders but not covered by other items.

Understanding 8-K Material Events →

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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): March 24, 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 8.01    Other Events.

On March 24, 2026, Home BancShares, Inc. (“Home”) announced that it has received approvals from the Board of Governors of the Federal Reserve System and the Arkansas State Bank Department of its applications to acquire Mountain Commerce Bancorp, Inc. (“MCBI”), the holding company for Mountain Commerce Bank. The Board of Governors of the Federal Reserve System and the Arkansas State Bank Department have each also approved the proposed merger of Mountain Commerce Bank with and into Centennial Bank, Home’s wholly-owned bank subsidiary.

Subject to the satisfaction of the remaining closing conditions contained in the merger agreement between Home and MCBI, the proposed merger is expected to close early in the second quarter of 2026.

Cautionary Note Regarding Forward-Looking Statements

This Current Report on Form 8-K may contain forward-looking statements, including statements about the anticipated closing and expected benefits of the proposed merger of Home and MCBI. Statements in this report 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 of this type speak only as of the date of this report. By nature, forward-looking statements involve inherent risk and uncertainties. Various factors could cause actual results to differ materially from those contemplated by the forward-looking statements, including, but not limited to the possibility that the proposed merger with MCBI does not close when expected or at all, including because one or more conditions to closing are not received or satisfied on a timely basis or at all. Additional information on factors that might affect Home’s financial results is included in its 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 Current Report, except as otherwise required by law.

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:			March 24, 2026			By:			/s/ Jennifer C. Floyd
									Jennifer C. Floyd
									Chief Accounting Officer

FAQ

What did Home BancShares (HOMB) announce regarding Mountain Commerce Bancorp?

Home BancShares announced it received regulatory approvals to acquire Mountain Commerce Bancorp, Inc. and merge its subsidiary, Mountain Commerce Bank, into Centennial Bank. These approvals come from the Federal Reserve and the Arkansas State Bank Department, advancing the planned combination.

Which regulators approved the Home BancShares and MCBI merger?

The acquisition applications were approved by the Board of Governors of the Federal Reserve System and the Arkansas State Bank Department. Both regulators also approved the related merger of Mountain Commerce Bank with and into Centennial Bank, Home BancShares’ wholly owned bank subsidiary.

When is the Home BancShares–Mountain Commerce Bancorp merger expected to close?

The proposed merger between Home BancShares and Mountain Commerce Bancorp is expected to close early in the second quarter of 2026. This timing depends on satisfying the remaining closing conditions specified in the merger agreement between the two banking organizations.

What remaining conditions could affect closing of the HOMB and MCBI merger?

Closing the merger remains subject to satisfaction of remaining conditions in the merger agreement between Home BancShares and Mountain Commerce Bancorp. The company notes that if required conditions are not received or satisfied on a timely basis, the merger could be delayed or might not occur.

Does Home BancShares discuss risks related to the Mountain Commerce merger?

Yes. Home BancShares includes forward-looking statements noting risks and uncertainties, including that the proposed merger with MCBI may not close when expected or at all. It directs readers to its Form 10-K for additional information on factors that might affect financial results.

Filing Exhibits & Attachments

3 documents

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