Home BancShares receives about $80.7M loan payment

Proceeds from the sold collateral were approximately 95% of its appraised value; another collateral sale is anticipated in the fourth quarter of 2026.

Available on EDGAR 11/05/2026 - 07:59 AM EST Accepted by SEC EDGAR 11/05/2026 - 07:59 AM EST Learn about SEC filing dates

Rhea-AI Filing Summary

Home BancShares, Inc. received approximately $80.7 million from the borrower’s sale of part of the collateral securing its previously disclosed $92.1 million non-performing lending relationship in Texas. The payment was applied to loan principal, leaving an approximately $11.4 million carrying amount classified as nonaccrual. As of September 30, 2026, the relationship represented approximately 45.9% of the company’s non-performing loans and 37.5% of its non-performing assets.

Based on September 30 balances, the payment reduces the non-performing-loans-to-total-loans ratio by approximately 48 basis points and the non-performing-assets-to-total-assets ratio by approximately 34 basis points, while increasing the allowance-for-credit-losses-to-non-performing-loans ratio by approximately 109 percentage points. A second phase, involving a sale of the remaining collateral, is anticipated during the fourth quarter of 2026. If completed as anticipated, proceeds are expected to repay the remaining carrying balance and may support recovery of part of the amount charged off in the fourth quarter of 2024. The remaining balance continues as nonaccrual, and repayment is not assured.

2 points · 0 major

PositiveiHow this balance works

How this balance works

Rhea-AI gives every point it takes from this document a weight. Minor counts 1, Moderate 3 and Major 9, so one Major point outweighs several Minor ones. The bar adds up the weights on each side, and when neither side holds more than 65% of the total the balance reads Mixed.

It reads the document as published, with the same rules for every company, and it does not look at what the market expected or at how the stock traded, so a point can be objectively good on a day the stock falls.

Rhea-AI Sentiment measures something else, the tone of the wording.

How the balance worksHow Sentiment works

0 major · 1 point

How the balance works

Positive

• Moderate pointPayment reduced the non-performing-loan ratio by approximately 48 basis points.
• Moderate pointPayment reduced the non-performing-asset ratio by approximately 34 basis points.

Negative

• Minor pointApproximately $11.4 million remains nonaccrual pending the second phase.

Filing Explained

The completed first phase produced an $80.7 million payment, about 95% of the appraised value of the collateral sold; the proceeds were applied to loan principal, leaving an $11.4 million carrying balance classified as nonaccrual while the second phase remains pending.

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.

Key Figures

Payment received: Approximately $80.7 million Non-performing lending relationship: $92.1 million Remaining carrying amount: Approximately $11.4 million +5 more

8 metrics

Payment received Approximately $80.7 million Borrower’s sale of part of the collateral; applied to loan principal

Non-performing lending relationship $92.1 million Previously disclosed relationship in the Texas market

Remaining carrying amount Approximately $11.4 million Classified as nonaccrual

Relationship share of non-performing loans Approximately 45.9% As of September 30, 2026

Relationship share of non-performing assets Approximately 37.5% As of September 30, 2026

Reduction in non-performing-loans-to-total-loans ratio Approximately 48 basis points Based on September 30, 2026 balances

Reduction in non-performing-assets-to-total-assets ratio Approximately 34 basis points Based on September 30, 2026 balances

Increase in allowance-for-credit-losses-to-non-performing-loans ratio Approximately 109 percentage points Based on September 30, 2026 balances

Key Terms

non-performing lending relationship, nonaccrual, allowance for credit losses to non-performing loans ratio, charged off

4 terms

non-performing lending relationship financial

"previously disclosed $92.1 million non-performing lending relationship"

nonaccrual financial

"classified as nonaccrual"

A nonaccrual asset is a loan or investment that a lender stops counting as earning interest because the borrower is not making scheduled payments or the lender doubts future payments. Think of it like putting a subscription on hold when you stop receiving payments; it reduces reported income and signals a higher risk that the lender may not get repaid, which can affect a bank's profits and the value of its loan portfolio.

allowance for credit losses to non-performing loans ratio financial

"allowance for credit losses to non-performing loans ratio"

charged off financial

"amount of this credit previously charged off"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

How much did HOMB receive from the Texas credit collateral sale?

Home BancShares received approximately $80.7 million from the borrower’s sale of part of the collateral securing the $92.1 million non-performing lending relationship in its Texas market. The payment was applied to reduce loan principal, leaving an approximately $11.4 million carrying amount.

How did the HOMB payment affect non-performing loan metrics?

Based on September 30, 2026 balances, the payment reduces the non-performing-loans-to-total-loans ratio by approximately 48 basis points and the non-performing-assets-to-total-assets ratio by approximately 34 basis points. It increases the allowance-for-credit-losses-to-non-performing-loans ratio by approximately 109 percentage points.

What percentage of appraised value did the HOMB collateral sale represent?

Proceeds from the sale represented approximately 95% of the appraised value of the collateral sold. Home BancShares said it believes this lends credence to its underwriting and management of the credit.

AI-generated analysis. How Rhea-AI works. Not financial advice.

Understanding 8-K Material Events →

See more from StockTitan in Google Search and AI answers. Adds StockTitan as a preferred source · opens Google

Add on Google Not now

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): November 5, 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 November 5, 2026, Home BancShares, Inc. (the “Company”) announced that it has received a payment of approximately $80.7 million from the borrower’s sale of a portion of the collateral securing the Company’s previously disclosed $92.1 million non-performing lending relationship in its Texas market. As of September 30, 2026, the loans comprising this relationship represented approximately 45.9% of the Company’s non-performing loans and 37.5% of the Company’s non-performing assets.

As previously discussed during the Company’s third quarter 2026 earnings call, the resolution of this credit is expected to occur in two phases. The $80.7 million payment completes the first phase of the resolution of this credit. The proceeds received from the sale represented approximately 95% of the appraised value of the collateral sold, which the Company believes lends credence to its underwriting and management of the credit. The payment has been applied to reduce the principal balance of the loans, resulting in a remaining carrying amount of approximately $11.4 million. The remaining balance will continue to be classified as nonaccrual pending completion of the second phase.

Based on the Company’s September 30, 2026 balances, the payment reduces the Company’s ratio of non-performing loans to total loans by approximately 48 basis points and its ratio of non-performing assets to total assets by approximately 34 basis points, while increasing the Company’s allowance for credit losses to non-performing loans ratio by approximately 109 percentage points.

The Company anticipates the second phase of resolving the outstanding credit to be completed during the fourth quarter of 2026 through the borrower’s sale of the remaining collateral. If completed as anticipated, the Company expects the borrower to use the proceeds from the second phase to repay the remaining carrying balance of the loans, which may result in the recovery of a portion of the amount of this credit previously charged off in the fourth quarter of 2024. Overall, the Company is very pleased with the initial outcome of the credit resolution and remains optimistic about completing the remaining steps. However, there can be no assurance that the remaining balance of the loans will be repaid within the anticipated timeframe or on the terms currently expected, or at all.

Forward-Looking Statements

This Current Report on Form 8-K contains forward-looking statements regarding the Company’s expectations and outlook for certain future events and outcomes, including the anticipated timing and completion of the second phase of the aforementioned credit resolution, the sale of the remaining collateral, the accounting treatment and expected repayment of the remaining carrying balance and the potential recovery of amounts previously charged off. 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, including any prospective financial information, are not fact and should not be relied upon as being guarantees or necessarily indicative of future events, performance or results. Readers are cautioned not to place undue reliance on any forward-looking statements contained in this report. Words such as “may,” “will,” “anticipate,” expect,” “believe,” and similar expressions, are intended to identify forward-looking statements, although not all forward-looking statements contain these words. These statements speak only as of the date of this report and are based on the Company’s current assumptions, expectations and judgments. By nature, forward-looking statements are subject to risks and uncertainties that could cause actual events or results to differ materially from those expressed or implied, including, but not limited to, the borrower’s ability to complete the sale of the remaining collateral on acceptable terms or at all, including as a result of factors that may be beyond its control, the timing of the completion of any such sale, the amount of proceeds ultimately received from such sale, and the borrower’s use of such proceeds to repay all or a portion of the remaining balance of the loans. The Company undertakes no obligation to update any forward-looking statement except as 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:			November 5, 2026			By:			/s/ Jennifer C. Floyd
									Jennifer C. Floyd
									Chief Accounting Officer

Filing Exhibits & Attachments

3 documents

Other Documents

• EX-101 XBRL TAXONOMY EXTENSION SCHEMA DOCUMENT 1.8 KB
• EX-101 XBRL TAXONOMY EXTENSION LABEL LINKBASE DOCUMENT 22.0 KB
• EX-101 XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE DOCUMENT 12.8 KB