Record Q2 2026 results at Home BancShares (NYSE: HOMB) after MCBI deal

Rhea-AI Filing Summary

Home BancShares, Inc. reported Q2 2026 net income of $119.3 million (diluted EPS $0.59) and Company‑record adjusted net income of $128.1 million (EPS $0.64), reflecting $12.7 million of merger-related expenses from its Mountain Commerce acquisition. Total revenue (net) reached a record $295.1 million, up 10.6% from $266.7 million in Q1 2026, while adjusted PPNR rose to a record $171.2 million. Net interest margin held at 4.51% and ROA, as adjusted, was 2.09%.

Loans grew to $17.13 billion and deposits to $19.11 billion, lifting total assets to $24.71 billion at June 30, 2026, helped by acquired Mountain Commerce balances and modest organic loan growth. Credit quality remained solid with non-performing assets at 0.93% of assets and an allowance equal to 1.92% of loans, or 177% of non‑performing loans. Capital stayed strong (CET1 16.4%), and record book value per share of $22.68 and tangible book value per share of $15.32 were achieved while returning capital through 1.5 million share repurchases (0.77% buyback yield) and a $0.21 quarterly dividend.

Positive

• Record Q2 2026 performance with total revenue (net) of $295.1 million and adjusted net income of $128.1 million, up 10.6% and 8.4% from Q1 2026, supported by a stable 4.51% net interest margin.

Negative

• None.

Filing Explained

The completed acquisition added stock to the capital structure: shares outstanding rose from 196,394 thousand to 200,460 thousand despite quarterly repurchases.

The July 15, 2026 Form 8-K furnishes Home BancShares’ second-quarter earnings release and supplemental presentation, and reports that the Mountain Commerce acquisition was completed during the quarter.

The filing says $146.0 million of common stock was issued to Mountain Commerce shareholders; issuing additional shares increases the total share count and reduces an existing holder’s percentage ownership absent offsetting changes.

End-of-period common shares rose from 196,394 thousand at March 31 to 200,460 thousand at June 30, even though the company repurchased 1.5 million shares during the quarter, so the reported buyback did not leave the ending share count below its pre-acquisition-quarter level.

The release identifies the ability to integrate the acquired businesses and realize their anticipated benefits as risks attached to its forward-looking statements; the next dated milestone is the July 16, 2026 earnings call.

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

Total revenue (net): $295.1 million GAAP net income: $119.3 million Adjusted net income (non-GAAP): $128.1 million +5 more

8 metrics

Total revenue (net) $295.1 million Q2 2026, Company record, up 10.6% from $266.7 million in Q1 2026

GAAP net income $119.3 million Q2 2026 net income attributable to common shareholders

Adjusted net income (non-GAAP) $128.1 million Q2 2026 Company-record net income, as adjusted, excluding merger and other items

Diluted EPS $0.59 Q2 2026 GAAP diluted earnings per common share

Adjusted diluted EPS $0.64 Q2 2026 diluted EPS, as adjusted (non-GAAP), excluding specified items

Loans receivable $17.13 billion Total loans receivable at June 30, 2026

Total deposits $19.11 billion Total deposits at June 30, 2026

Common Equity Tier 1 capital ratio 16.4% Regulatory CET1 capital ratio at June 30, 2026

Key Terms

pre-tax, pre-provision net income (PPNR), net interest margin, tangible book value per share, non-performing assets, +1 more

5 terms

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

"Pre-tax, pre-provision net revenue (PPNR) (non-GAAP) totaled $159.6 million"

net interest margin financial

"Our net interest margin was 4.51% for both of the three-month periods"

Net interest margin measures how much a bank earns from lending and investing compared with what it pays for funding, expressed as a percentage of its interest-earning assets. Think of it like a grocery store’s markup: it shows the gap between buying cost and selling price per dollar of goods — here, the cost is interest paid and the sale is interest received. Investors watch it because a higher margin usually means a bank is more profitable and better at managing interest rate and credit conditions.

tangible book value per share financial

"Tangible book value per share (non-GAAP) increased to $15.32 from $14.87"

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.

non-performing assets financial

"Non-performing assets to total assets were 0.93% and 0.97% at June 30, 2026"

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 $328.4 million, or 1.92% 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.

Earnings Snapshot

Total revenue (net): $295.1 million

quarter ended June 30, 2026

Total revenue (net) $295.1 million Up 10.6% from $266.7 million in Q1 2026, a Company record

GAAP net income $119.3 million Compared with $118.2 million in Q1 2026 and $118.4 million in Q2 2025

Adjusted net income (non-GAAP) $128.1 million Company record, up 8.4% from $118.2 million in Q1 2026

Diluted EPS $0.59 Versus $0.60 in Q1 2026 and $0.60 in Q2 2025

Adjusted diluted EPS (non-GAAP) $0.64 Above $0.60 in Q1 2026 and $0.58 in Q2 2025

Return on average assets (ROA) 1.95% Down from 2.09% in Q1 2026; ROA, as adjusted, remained 2.09%

Net interest margin (FTE) 4.51% Unchanged from 4.51% in Q1 2026

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FAQ

How did Home BancShares (HOMB) perform financially in Q2 2026?

Home BancShares reported Q2 2026 net income of $119.3 million, or $0.59 diluted EPS. Company‑record adjusted net income was $128.1 million, or $0.64 per share, on record total net revenue of $295.1 million, up 10.6% from Q1 2026.

What impact did the Mountain Commerce acquisition have on HOMB’s Q2 2026 results?

The completed Mountain Commerce acquisition added $1.47 billion of loans (net of discounts) and significant deposits, driving revenue growth. It also generated $12.7 million of merger-related expenses, which reduced GAAP earnings but still allowed record adjusted net income of $128.1 million.

What were Home BancShares’ key profitability metrics in Q2 2026?

For Q2 2026, Home BancShares posted ROA of 1.95% and ROA, as adjusted, of 2.09%. ROE was 10.55%, adjusted ROE 11.32%, and adjusted ROTCE 16.82%. Net interest margin on a fully taxable equivalent basis remained strong and stable at 4.51%.

How strong were Home BancShares’ capital and credit quality in Q2 2026?

At June 30, 2026, Home BancShares reported a Common Equity Tier 1 ratio of 16.4%, Tier 1 capital of 16.4% and total risk-based capital of 19.0%. Non‑performing assets were 0.93% of assets, with the allowance for credit losses at 1.92% of loans, or 177% of non‑performing loans.

What loan and deposit growth did Home BancShares (HOMB) see in Q2 2026?

Total loans receivable reached $17.13 billion at June 30, 2026, up from $15.63 billion on March 31, including $1.47 billion of acquired MCBI loans. Total deposits rose to $19.11 billion from $17.74 billion, reflecting both acquisition and organic franchise activity.

How much capital did Home BancShares return to shareholders in Q2 2026?

During Q2 2026, Home BancShares repurchased 1.5 million shares of common stock for $40.8 million, a 0.77% shareholder buyback yield, and paid a $0.21 per share dividend. Both book value and tangible book value per share reached Company records.

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): July 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 July 15, 2026 press release announcing second 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 Second Quarter Earnings
99.2			Supplemental Presentation for Second 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:			July 15, 2026			By:			/s/ Jennifer C. Floyd
									Jennifer C. Floyd
									Chief Accounting Officer

EXHIBIT 99.1

For Immediate Release: July 15, 2026

Record Revenue and Successful Mountain Commerce Bancorp Acquisition

Drive Strong Second Quarter Results for HOMB

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

Quarterly Highlights

Metric			Q2 2026			Q1 2026			Q4 2025			Q3 2025			Q2 2025
Net income			$119.3 million			$118.2 million			$118.2 million			$123.6 million			$118.4 million
Net income, as adjusted (non-GAAP)(1)			$128.1 million			$118.2 million			$117.9 million			$119.7 million			$114.6 million
Total revenue (net)			$295.1 million			$266.7 million			$282.1 million			$277.7 million			$271.0 million
Income before income taxes			$154.4 million			$152.2 million			$153.3 million			$159.3 million			$152.0 million
Pre-tax, pre-provision, net income (PPNR) (non-GAAP)(1)			$159.6 million			$152.7 million			$167.7 million			$162.8 million			$155.0 million
PPNR, as adjusted (non-GAAP)(1)			$171.2 million			$152.7 million			$167.1 million			$157.7 million			$150.4 million
Pre-tax net income to total revenue (net)			52.32%			57.08%			54.35%			57.38%			56.08%
Pre-tax net income, as adjusted, to total revenue (net) (non-GAAP)(1)			56.27%			57.06%			54.14%			55.53%			54.39%
P5NR (Pre-tax, pre-provision, profit percentage) (PPNR to total revenue (net)) (non-GAAP)(1)			54.08%			57.27%			59.46%			58.64%			57.19%
P5NR, as adjusted (non-GAAP)(1)			58.03%			57.25%			59.25%			56.80%			55.49%
ROA			1.95%			2.09%			2.06%			2.17%			2.08%
ROA, as adjusted (non-GAAP)(1)			2.09%			2.09%			2.05%			2.10%			2.02%
NIM			4.51%			4.51%			4.61%			4.56%			4.44%
Purchase accounting accretion			$3.6 million			$1.1 million			$1.3 million			$1.3 million			$1.2 million
ROE			10.55%			11.09%			11.04%			11.91%			11.77%
ROE, as adjusted (non-GAAP)(1)			11.32%			11.08%			11.01%			11.54%			11.39%
ROTCE (non-GAAP)(1)			15.67%			16.56%			16.65%			18.28%			18.26%
ROTCE, as adjusted (non-GAAP)(1)			16.82%			16.55%			16.60%			17.70%			17.68%
Diluted earnings per share			$0.59			$0.60			$0.60			$0.63			$0.60
Diluted earnings per share, as adjusted (non-GAAP)(1)			$0.64			$0.60			$0.60			$0.61			$0.58
Non-performing assets to total assets			0.93%			0.97%			0.55%			0.56%			0.60%
Common equity tier 1 capital			16.4%			16.7%			16.3%			16.1%			15.6%
Leverage			14.0%			14.3%			14.1%			13.8%			13.4%
Tier 1 capital			16.4%			16.7%			16.3%			16.1%			15.6%
Total risk-based capital			19.0%			19.5%			19.1%			18.9%			19.3%
Allowance for credit losses to total loans			1.92%			1.90%			1.90%			1.87%			1.86%
Book value per share			$22.68			$22.15			$21.88			$21.41			$20.71
Tangible book value per share (non-GAAP)(1)			$15.32			$14.87			$14.60			$14.13			$13.44
Dividends per share			$0.21			$0.21			$0.21			$0.20			$0.20
Shareholder buyback yield(2)			0.77%			0.25%			0.27%			0.18%			0.49%

(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 delivered another quarter of strong profitability and balance sheet expansion in the second quarter. Highlights include a record PPNR, as adjusted, of $171.2 million, a record total net revenue of $295.1 million, smart loan growth, increase to book value and maintaining a stable margin, while returning capital through meaningful share repurchases and adjusted EPS of $0.64,” said John Allison, Chairman.

“Our legacy franchise produced loan growth during the quarter, while Mountain Commerce contributed meaningful deposit growth almost immediately following the acquisition—demonstrating exactly why we pursued the transaction. Even after absorbing approximately $12.7 million of merger-related expenses, we generated record adjusted earnings of $128.1 million, maintained a strong net interest margin of 4.51%, and continued to grow tangible book value per share. We believe these results underscore both the strength of our existing markets and the value of disciplined acquisitions that enhance our franchise,” continued Allison.

Quarterly Financial Performance Trends
Net income totaled $119.3 million for the second quarter of 2026, compared to $118.4 million for the second quarter of 2025. The Company completed its acquisition of Mountain Commerce Bancorp, Inc. (“Mountain Commerce”) during the quarter and recognized $12.7 million in merger-related expenses. Net income, as adjusted (non-GAAP)(1), which excludes merger expenses and certain other items, reached a Company-record $128.1 million, an increase of 8.4% from $118.2 million in the prior quarter.						Pre-tax, pre-provision net revenue (PPNR) (non-GAAP)(1) totaled $159.6 million for the second quarter of 2026, compared to $152.7 million in the first quarter of 2026. The Company completed its acquisition of Mountain Commerce during the quarter and incurred $12.7 million in merger-related expenses. Excluding merger expenses and certain other non-fundamental adjustments, PPNR, as adjusted (Non-GAAP)(1) increased to a Company-record $171.2 million, compared to $152.7 million in the prior quarter, reflecting revenue growth, including the impact of the Mountain Commerce acquisition, and continued operating performance.
Dollar amounts presented below in thousands.
Net interest income after credit loss expense totaled $236.4 million for the second quarter of 2026, compared to $223.4 million in the first quarter of 2026, an increase of 5.8%. The increase was driven by continued growth in earning assets, including the impact of the Mountain Commerce acquisition completed during the quarter, as well as favorable net interest margin performance.						Non-interest income totaled $53.5 million for the second quarter of 2026, compared to $42.8 million in the first quarter of 2026, an increase of 24.9%. The increase was primarily driven by higher other service charges and fees, a favorable fair value adjustment on marketable securities, and growth in other income, with additional contributions from the completed acquisition of Mountain Commerce.

Total revenue (net) reached a Company-record $295.1 million for the second quarter of 2026, increasing 10.6% from $266.7 million in the prior quarter. The increase was driven by strong growth in net interest income, including the contribution from the Mountain Commerce acquisition completed during the quarter. The acquisition further enhances the Company's earnings capacity and positions it well for continued revenue growth and earnings accretion in future periods.						Total expenses increased during the second quarter of 2026, reflecting the completed acquisition of Mountain Commerce. Interest expense increased to $95.2 million from $87.1 million in the prior quarter, primarily due to higher interest on deposits resulting from a $921.3 million increase in interest-bearing deposits. Non-interest expense increased to $135.5 million from $114.0 million in the first quarter of 2026, driven primarily by $12.7 million of merger-related expenses incurred during the quarter.
The efficiency ratio was 44.54% for the second quarter of 2026, compared to 41.59% in the prior quarter, primarily reflecting $12.7 million of merger-related expenses associated with the completed acquisition of Mountain Commerce. Excluding merger-related expenses and certain other non-GAAP adjustments, the efficiency ratio, as adjusted, (non-GAAP)(1) improved to 40.46%, highlighting continued operating discipline while integrating the acquisition.						Return on average assets (ROA) was 1.95% for the second quarter of 2026, compared to 2.09% in the prior quarter. The decline was primarily attributable to $12.7 million of merger-related expenses associated with the completed acquisition of Mountain Commerce. Excluding merger-related expenses and certain other non-GAAP adjustments, ROA, as adjusted, (non-GAAP)(1) remained strong at 2.09%, reflecting the Company's continued earnings strength and operating performance.

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 $22.68 at June 30, 2026, from $22.15 at March 31, 2026, while tangible book value per share (non-GAAP)(1) increased to $15.32 from $14.87. The linked-quarter growth reflects strong earnings generation and the successful completion of the Mountain Commerce acquisition, which contributed to continued growth in shareholder value despite the impact of merger-related expenses incurred during the quarter.

Operating Highlights

Net income for the three-month period ended June 30, 2026 was $119.3 million, or $0.59 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 $128.1 million(1) and $0.64 per share(1), respectively, for the three months ended June 30, 2026.

Our net interest margin was 4.51% for both of the three-month periods ended June 30, 2026 and March 31, 2026. The yield on loans was 7.00% and 7.08% for the three months ended June 30, 2026 and March 31, 2026, respectively, as average loans increased from $15.68 billion to $17.08 billion. The rate on interest bearing deposits increased to 2.39% as of June 30, 2026, from 2.35% as of March 31, 2026, while average interest-bearing deposits increased from $13.66 billion to $14.69 billion. The increase in average loans and deposits was primarily due to the acquisition of Mountain Commerce Bancorp, Inc. (“MCBI” or“Mountain Commerce”) which was completed during the second quarter of 2026.

During the second quarter of 2026, there was $1.7 million of event interest income compared to no event interest income for the first quarter of 2026. The increase in event income was accretive to the net interest margin by four basis points. Purchase accounting accretion on acquired loans was $3.6 million and $1.1 million for the three-month periods ended June 30, 2026 and March 31, 2026, respectively, and average purchase accounting loan discounts were $42.0 million and $12.5 million for the three-month periods ended June 30, 2026 and March 31, 2026, respectively. The increase in accretion income along with the increase in the purchase accounting loan discounts, both of which resulted from the acquisition of Mountain Commerce, increased the net interest margin by six basis points for the three-month period ended June 30, 2026.

Net interest income on a fully taxable equivalent basis was $244.3 million for the three-month period ended June 30, 2026, compared to $226.6 million for the three-month period ended March 31, 2026. This increase in net interest income for the three-month period ended June 30, 2026, was the result of a $25.8 million increase in interest income, which was partially offset by an $8.1 million increase in interest expense. The $25.8 million increase in interest income was primarily the result of a $24.6 million increase in loan income and a $1.0 million increase in income from investments. The $8.1 million increase in interest expense was due to an $8.3 million increase in interest expense on deposits, which was partially offset by a $346,000 decrease in interest expense on FHLB and other borrowed funds.

The Company reported $53.5 million of non-interest income for the second quarter of 2026. The most important components of non-interest income were $13.1 million from other income, $13.0 million from other service charges and fees, $10.0 million from service charges on deposit accounts, $6.1 million from trust fees, $5.1 million in mortgage lending income, $2.8 million from dividends from FHLB, FRB, FNBB and other, $1.6 million from the increase in cash value of life insurance, $817,000 in income from the fair value adjustment for marketable securities and $578,000 in insurance commissions. Included within other income was $274,000 in bank-owned life insurance death benefit income.

Non-interest expense for the second quarter of 2026 was $135.5 million. The most important components of non-interest expense were $68.7 million of salaries and employee benefits expense, $28.9 million in other operating expense, $15.8 million in occupancy and equipment expenses, $12.7 million in merger and acquisition expenses and $9.3 million in data processing expenses. For the second quarter of 2026, our efficiency ratio was 44.54%, and our efficiency ratio, as adjusted (non-GAAP), was 40.46%(1).

Financial Condition

Total loans receivable were $17.13 billion at June 30, 2026, compared to $15.63 billion at March 31, 2026. Total deposits were $19.11 billion at June 30, 2026, compared to $17.74 billion at March 31, 2026. Total assets were $24.71 billion at June 30, 2026, compared to $23.20 billion at March 31, 2026.

During the second quarter of 2026, the Company had a $1.49 billion increase in loans. During the quarter, we acquired $1.47 billion in loans, net of purchase accounting discounts, from MCBI. Our community banking footprint experienced $46.4 million in organic loan growth during the quarter ended June 30, 2026, while Centennial CFG experienced $22.6 million of organic loan decline in the second quarter, with $2.04 billion of loans outstanding at June 30, 2026.

Non-performing loans to total loans were 1.08% and 1.16% at June 30, 2026 and March 31, 2026, respectively. Non-performing assets to total assets were 0.93% and 0.97% at June 30, 2026 and March 31, 2026, respectively. Net loans charged-off were $5.8 million and $1.4 million for the three months ended June 30, 2026 and March 31, 2026, respectively. The charge-off detail by region for the quarters ended June 30, 2026 and March 31, 2026 can be seen below.

For the Three Months Ended June 30, 2026
(in thousands)						Texas						Arkansas						Centennial CFG						Shore Premier Finance						Florida						Tennessee						Alabama						Total
Charge-offs						$	1,708					$	2,605					$	—					$	1,896					$	286					$	11					$	14					$	6,520
Recoveries						(249)						(324)						—						(5)						(142)						—						(2)						(722)
Net charge-offs (recoveries)						$	1,459					$	2,281					$	—					$	1,891					$	144					$	11					$	12					$	5,798

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

At June 30, 2026, non-performing loans were $185.3 million, and non-performing assets were $228.6 million. At March 31, 2026, non-performing loans were $182.1 million, and non-performing assets were $224.1 million.

The table below shows the non-performing loans and non-performing assets by region as of June 30, 2026:

(in thousands)						Texas						Arkansas						Centennial CFG						Shore Premier Finance						Florida						Tennessee						Alabama						Total
Non-accrual loans						$	123,170					$	19,529					$	—					$	11,886					$	24,235					$	4,335					$	44					$	183,199
Loans 90+ days past due						690						238						—						—						282						916						—						2,126
Total non-performing loans						123,860						19,767						—						11,886						24,517						5,251						44						185,325
Foreclosed assets held for sale						15,647						2,028						22,812						—						260						1,392						—						42,139
Other non-performing assets						—						—						—						1,140						—						—						—						1,140
Total other non-performing assets						15,647						2,028						22,812						1,140						260						1,392						—						43,279
Total non-performing assets						$	139,507					$	21,795					$	22,812					$	13,026					$	24,777					$	6,643					$	44					$	228,604

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 Company’s allowance for credit losses on loans was $328.4 million, or 1.92% of total loans, at June 30, 2026 compared to $297.6 million, or 1.90% of total loans, at March 31, 2026. As of June 30, 2026 and March 31, 2026, the Company’s allowance for credit losses on loans was 177.19% and 163.43% of its total non-performing loans, respectively.

Shareholders’ equity was $4.55 billion at June 30, 2026, which increased approximately $197.9 million from March 31, 2026. The net increase in shareholders’ equity is primarily associated with the $146.0 million of common stock issued to the Mountain Commerce shareholders, the $77.1 million increase in retained earnings and the $10.4 million increase in accumulated other comprehensive income, which was partially offset by the $42.3 million in dividends paid during the quarter and the $40.5 million in stock repurchases for the quarter. Book value per common share was $22.68 at June 30, 2026, compared to $22.15 at March 31, 2026. Tangible book value per common share (non-GAAP) was $15.32(1) at June 30, 2026, compared to $14.87(1) at March 31, 2026. Book value per common share and tangible book value per common share, as of June 30, 2026, were both records for the Company.

Stock Repurchases and Dividends

During the three-month period ended June 30, 2026, the Company repurchased 1.5 million shares of common stock, which equated to a shareholder buyback yield of 0.77%(2). In comparison, 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). 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 June 30, 2026, the Company paid a dividend of $0.21 per share. This cash dividend was consistent with the dividend paid during the first quarter of 2026.

Branches

The Company currently has 75 branches in Arkansas, 78 branches in Florida, 60 branches in Texas, 8 branches in Tennessee, 5 branches in Alabama and one branch in New York City.

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, July 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/346859709. 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://events.q4inc.com/analyst/346859709?pwd=sU182NPD. 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 1-833-461-5787, Passcode: 346859709. A replay of the call will be available using the following link: https://events.q4inc.com/attendee/346859709. 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 and equity 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 of MCBI 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)						Jun 30, 2026						Mar 31, 2026						Dec 31, 2025						Sep 30, 2025						Jun 30, 2025
ASSETS
Cash and due from banks						$	279,660					$	296,209					$	237,224					$	284,750					$	291,344
Interest-bearing deposits with other banks						772,859						815,714						430,113						516,170						809,729
Cash and cash equivalents						1,052,519						1,111,923						667,337						800,920						1,101,073
Federal funds sold						5,450						6,025						3,000						3,625						2,600
Investment securities - available-for-sale,      net of allowance for credit losses						2,776,216						2,803,847						2,871,931						2,924,496						2,899,968
Investment securities - held-to-maturity,      net of allowance for credit losses						1,254,802						1,256,635						1,259,262						1,264,200						1,265,292
Total investment securities						4,031,018						4,060,482						4,131,193						4,188,696						4,165,260
Loans receivable						17,127,208						15,633,628						15,686,209						15,285,972						15,180,624
Allowance for credit losses						(328,369)						(297,634)						(297,583)						(285,649)						(281,869)
Loans receivable, net						16,798,839						15,335,994						15,388,626						15,000,323						14,898,755
Bank premises and equipment, net						437,552						374,010						369,324						374,515						379,729
Foreclosed assets held for sale						42,139						40,874						39,831						41,263						41,529
Cash value of life insurance						233,515						221,830						220,469						219,075						218,113
Accrued interest receivable						108,384						106,628						108,939						110,702						107,732
Deferred tax asset, net						153,803						143,987						148,022						155,963						174,323
Goodwill						1,410,211						1,398,253						1,398,253						1,398,253						1,398,253
Core deposit intangible						65,541						30,355						32,293						34,231						36,255
Other assets						374,277						371,318						374,592						380,236						383,400
Total assets						$	24,713,248					$	23,201,679					$	22,881,879					$	22,707,802					$	22,907,022
LIABILITIES AND SHAREHOLDERS' EQUITY
Deposits:
Demand and non-interest-bearing						$	4,447,710					$	3,994,217					$	3,868,405					$	3,880,101					$	4,024,574
Savings and interest-bearing transaction         accounts						12,423,361						11,971,866						11,792,828						11,500,921						11,571,949
Time deposits						2,242,034						1,772,192						1,818,724						1,946,674						1,891,909
Total deposits						19,113,105						17,738,275						17,479,957						17,327,696						17,488,432
Securities sold under agreements to repurchase						158,744						157,409						155,803						145,998						140,813
FHLB and other borrowed funds						450,250						500,250						500,250						550,500						550,500
Accrued interest payable and other liabilities						164,112						176,727						169,733						189,551						203,004
Subordinated debentures						279,602						279,433						279,265						279,093						438,957
Total liabilities						20,165,813						18,852,094						18,585,008						18,492,838						18,821,706
Shareholders' equity
Common stock						2,005						1,964						1,964						1,969						1,972
Capital surplus						2,301,551						2,191,243						2,201,923						2,214,211						2,221,576
Retained earnings						2,412,859						2,335,787						2,258,871						2,181,911						2,097,712
Accumulated other comprehensive loss						(168,980)						(179,409)						(165,887)						(183,127)						(235,944)
Total shareholders' equity						4,547,435						4,349,585						4,296,871						4,214,964						4,085,316
Total liabilities and shareholders' equity						$	24,713,248					$	23,201,679					$	22,881,879					$	22,707,802					$	22,907,022

Home BancShares, Inc.

Consolidated Statements of Income

(Unaudited)

						Quarter Ended																														Six Months Ended
(In thousands)						Jun 30, 2026						Mar 31, 2026						Dec 31, 2025						Sep 30, 2025						Jun 30, 2025						Jun 30, 2026						Jun 30, 2025
Interest income:
Loans						$	298,066					$	273,473					$	285,491					$	283,165					$	276,041					$	571,539					$	546,825
Investment securities
Taxable						25,787						24,728						25,860						26,326						26,444						50,515						53,877
Tax-exempt						7,811						7,829						7,834						7,743						7,626						15,640						15,276
Deposits - other banks						5,135						4,945						4,405						6,242						8,951						10,080						15,571
Federal funds sold						37						48						41						56						53						85						108
Total interest income						336,836						311,023						323,631						323,532						319,115						647,859						631,657
Interest expense:
Interest on deposits						87,432						79,145						83,739						87,962						88,489						166,577						175,275
FHLB and other borrowed funds						4,346						4,692						4,985						5,378						5,539						9,038						11,441
Securities sold under agreements to         repurchase						1,057						927						962						1,019						1,012						1,984						2,086
Subordinated debentures						2,358						2,355						2,359						3,007						4,123						4,713						8,247
Total interest expense						95,193						87,119						92,045						97,366						99,163						182,312						197,049
Net interest income						241,643						223,904						231,586						226,166						219,952						465,547						434,608
Provision for credit losses on loans						5,200						1,500						14,400						6,700						3,000						6,700						3,000
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						5,200						500						14,400						3,506						3,000						5,700						3,000
Net interest income after credit loss expense						236,443						223,404						217,186						222,660						216,952						459,847						431,608
Non-interest income:
Service charges on deposit accounts						10,030						10,007						10,480						10,486						9,552						20,037						19,202
Other service charges and fees						12,973						9,810						11,148						12,130						12,643						22,783						23,332
Trust fees						6,109						5,482						5,121						4,600						5,234						11,591						9,994
Mortgage lending income						5,139						4,430						4,680						4,691						4,780						9,569						8,379
Insurance commissions						578						536						460						574						589						1,114						1,124
Increase in cash value of life insurance						1,553						1,368						1,400						1,404						1,415						2,921						3,257
Dividends from FHLB, FRB, FNBB & other						2,841						2,536						2,678						2,658						2,657						5,377						5,375
Gain on SBA loans						—						80						308						46						—						80						288
Gain (loss) on branches, equipment and other        assets, net						3						(7)						11						(66)						972						(4)						809
Gain (loss) on OREO, net						332						707						203						(1)						13						1,039						(363)
Fair value adjustment for marketable         securities						817						(1,248)						1,173						1,020						(238)						(431)						204
Other income						13,079						9,102						12,838						13,963						13,462						22,181						24,904
Total non-interest income						53,454						42,803						50,500						51,505						51,079						96,257						96,505
Non-interest expense:
Salaries and employee benefits						68,742						63,236						62,891						63,804						64,318						131,978						126,173
Occupancy and equipment						15,787						14,867						14,434						14,828						14,023						30,654						28,448
Data processing expense						9,307						8,884						8,653						8,871						8,364						18,191						16,922
Merger and acquisition expenses						12,726						394						580						—						—						13,120						—
Other operating expenses						28,932						26,594						27,805						27,335						29,335						55,526						57,425
Total non-interest expense						135,494						113,975						114,363						114,838						116,040						249,469						228,968
Income before income taxes						154,403						152,232						153,323						159,327						151,991						306,635						299,145
Income tax expense						35,076						34,023						35,098						35,723						33,588						69,099						65,533
Net income						$	119,327					$	118,209					$	118,225					$	123,604					$	118,403					$	237,536					$	233,612

Home BancShares, Inc.

Selected Financial Information

(Unaudited)

						Quarter Ended																														Six Months Ended
(Dollars and shares in thousands, except per share data)						Jun 30, 2026						Mar 31, 2026						Dec 31, 2025						Sep 30, 2025						Jun 30, 2025						Jun 30, 2026						Jun 30, 2025
PER SHARE DATA
Diluted earnings per common share						$	0.59					$	0.60					$	0.60					$	0.63					$	0.60					$	1.19					$	1.18
Diluted earnings per common share, as adjusted     (non-GAAP)(1)						0.64						0.60						0.60						0.61						0.58						1.24						1.14
Basic earnings per common share						0.59						0.60						0.60						0.63						0.60						1.19						1.18
Dividends per share - common						0.21						0.21						0.210						0.200						0.200						0.210						0.395
Shareholder buyback yield(2)						0.77%						0.25%						0.27%						0.18%						0.49%						1.00%						1.02%
Book value per common share						$	22.68					$	22.15					$	21.88					$	21.41					$	20.71					$	22.68					$	20.71
Tangible book value per common share      (non-GAAP)(1)						15.32						14.87						14.60						14.13						13.44						15.32						13.44
STOCK INFORMATION
Average common shares outstanding						201,223						196,528						196,553						197,078						197,532						198,889						198,091
Average diluted shares outstanding						201,420						196,733						196,764						197,288						197,765						199,088						198,289
End of period common shares outstanding						200,460						196,394						196,357						196,889						197,239						200,460						197,239
ANNUALIZED PERFORMANCE METRICS
Return on average assets (ROA)						1.95		%				2.09		%				2.06		%				2.17		%				2.08		%				2.02		%				2.08		%
Return on average assets, as adjusted:      (ROA, as adjusted) (non-GAAP)(1)						2.09						2.09						2.05						2.10						2.02						2.09						2.02
Return on average assets excluding intangible      amortization (non-GAAP)(1)						2.12						2.25						2.22						2.34						2.25						2.18						2.25
Return on average assets, as adjusted, excluding      intangible amortization (non-GAAP)(1)						2.27						2.25						2.22						2.27						2.18						2.26						2.18
Return on average common equity (ROE)						10.55						11.09						11.04						11.91						11.77						10.78						11.76
Return on average common equity, as adjusted:      (ROE, as adjusted) (non-GAAP)(1)						11.32						11.08						11.01						11.54						11.39						11.18						11.40
Return on average tangible common equity      (ROTCE) (non-GAAP)(1)						15.67						16.56						16.65						18.28						18.26						16.03						18.33
Return on average tangible common equity, as adjusted:      (ROTCE, as adjusted) (non-GAAP)(1)						16.82						16.55						16.60						17.70						17.68						16.62						17.77
Return on average tangible common equity excluding      intangible amortization (non-GAAP)(1)						15.96						16.76						16.85						18.51						18.50						16.28						18.57
Return on average tangible common equity, as adjusted,      excluding intangible amortization (non-GAAP)(1)						17.11						16.76						16.80						17.93						17.92						16.87						18.02

(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																														Six Months Ended
(Dollars in thousands)						Jun 30, 2026						Mar 31, 2026						Dec 31, 2025						Sep 30, 2025						Jun 30, 2025						Jun 30, 2026						Jun 30, 2025
Efficiency ratio						44.54		%				41.59		%				39.54		%				40.21		%				41.68		%				43.14		%				41.94		%
Efficiency ratio, as adjusted (non-GAAP)(1)						40.46						41.99						39.53						40.95						42.01						41.19						42.42
Net interest margin - FTE (NIM)						4.51						4.51						4.61						4.56						4.44						4.51						4.44
Fully taxable equivalent adjustment						$	2,653					$	2,661					$	2,252					$	2,916					$	2,526					$	5,314					$	5,060
Total revenue (net)						295,097						266,707						282,086						277,671						271,031						561,804						531,113
Pre-tax, pre-provision, net income (PPNR)      (non-GAAP)(1)						159,603						152,732						167,723						162,833						154,991						312,335						302,145
PPNR, as adjusted (non-GAAP)(1)						171,238						152,677						167,130						157,704						150,404						323,915						293,225
Pre-tax net income to total revenue (net)						52.32		%				57.08		%				54.35		%				57.38		%				56.08		%				54.58		%				56.32		%
Pre-tax net income, as adjusted, to total revenue (net) (non-GAAP)(1)						56.27						57.06						54.14						55.53						54.39						56.64						54.64
P5NR ((Pre-tax, pre-provision, profit percentage) (PPNR to total revenue (net)) (non-GAAP)(1)						54.08						57.27						59.46						58.64						57.19						55.60						56.89
P5NR, as adjusted (non-GAAP)(1)						58.03						57.25						59.25						56.80						55.49						57.66						55.21
Total purchase accounting accretion						$	3,618					$	1,061					$	1,265					$	1,272					$	1,233					$	4,679					$	2,611
Average purchase accounting loan discounts						41,962						12,507						13,753						15,009						16,219						27,311						16,873
OTHER OPERATING EXPENSES
Advertising						$	2,214					$	2,227					$	2,114					$	2,149					$	2,054					$	4,441					$	3,982
Amortization of intangibles						2,889						1,938						1,938						2,024						2,025						4,827						4,072
Electronic banking expense						3,223						3,326						3,288						3,357						3,172						6,549						6,227
Directors' fees						416						518						388						405						431						934						883
Due from bank service charges						344						333						324						404						283						677						564
FDIC and state assessment						3,045						1,599						2,970						3,245						1,636						4,644						5,023
Insurance						1,090						1,074						1,044						1,110						1,049						2,164						2,048
Legal and accounting						1,426						914						1,362						1,061						2,360						2,340						6,001
Other professional fees						2,247						1,946						2,168						2,083						2,211						4,193						4,158
Operating supplies						769						748						759						773						711						1,517						1,422
Postage						684						543						564						538						488						1,227						991
Telephone						324						363						382						367						419						687						855
Other expense						10,261						11,065						10,504						9,819						12,496						21,326						21,199
Total other operating expenses						$	28,932					$	26,594					$	27,805					$	27,335					$	29,335					$	55,526					$	57,425

(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)						Jun 30, 2026						Mar 31, 2026						Dec 31, 2025						Sep 30, 2025						Jun 30, 2025
BALANCE SHEET RATIOS
Total loans to total deposits						89.61		%				88.13		%				89.74		%				88.22		%				86.80		%
Common equity to assets						18.40						18.75						18.78						18.56						17.83
Tangible common equity to tangible assets      (non-GAAP)(1)						13.22						13.42						13.36						13.08						12.35
LOANS RECEIVABLE
Real estate
Commercial real estate loans
Non-farm/non-residential						$	5,921,829					$	5,395,529					$	5,290,112					$	5,494,492					$	5,553,182
Construction/land development						2,780,116						2,613,604						2,726,993						2,709,197						2,695,561
Agricultural						329,231						321,046						332,412						331,301						315,926
Residential real estate loans
Residential 1-4 family						2,545,462						2,100,374						2,134,334						2,142,375						2,138,990
Multifamily residential						1,269,728						1,232,639						1,140,911						716,595						620,439
Total real estate						12,846,366						11,663,192						11,624,762						11,393,960						11,324,098
Consumer						1,278,008						1,254,936						1,253,746						1,233,523						1,218,834
Commercial and industrial						2,285,054						2,172,267						2,222,401						2,100,268						2,107,326
Agricultural						356,611						329,563						359,879						346,167						323,457
Other						361,169						213,670						225,421						212,054						206,909
Loans receivable						$	17,127,208					$	15,633,628					$	15,686,209					$	15,285,972					$	15,180,624
ALLOWANCE FOR CREDIT LOSSES
Balance, beginning of period						$	297,634					$	297,583					$	285,649					$	281,869					$	279,944
Allowance for credit losses on acquired loans - MCBI						31,333						—						—						—						—
Loans charged off						6,520						2,849						3,063						4,651						4,071
Recoveries of loans previously charged off						722						1,400						597						1,731						2,996
Net loans charged off (recovered)						5,798						1,449						2,466						2,920						1,075
Provision for credit losses - loans						5,200						1,500						14,400						6,700						3,000
Balance, end of period						$	328,369					$	297,634					$	297,583					$	285,649					$	281,869
Net charge-offs (recoveries) to average total loans						0.14		%				0.04		%				0.06		%				0.08		%				0.03		%
Allowance for credit losses to total loans						1.92						1.90						1.90						1.87						1.86
NON-PERFORMING ASSETS
Non-performing loans
Non-accrual loans						$	183,199					$	179,639					$	78,002					$	81,087					$	89,261
Loans past due 90 days or more						2,126						2,481						6,980						4,125						7,031
Total non-performing loans						185,325						182,120						84,982						85,212						96,292
Other non-performing assets
Foreclosed assets held for sale, net						42,139						40,874						39,831						41,263						41,529
Other non-performing assets						1,140						1,140						—						—						—
Total other non-performing assets						43,279						42,014						39,831						41,263						41,529
Total non-performing assets						$	228,604					$	224,134					$	124,813					$	126,475					$	137,821
Allowance for credit losses for loans to non-performing loans						177.19		%				163.43		%				350.17		%				335.22		%				292.72		%
Non-performing loans to total loans						1.08						1.16						0.54						0.56						0.63
Non-performing assets to total assets						0.93						0.97						0.55						0.56						0.60

(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
						June 30, 2026																		March 31, 2026
(Dollars in thousands)						Average Balance						Income/ Expense						Yield/ Rate						Average Balance						Income/ Expense						Yield/ Rate
ASSETS
Earning assets
Interest-bearing balances due from banks						$	555,186					$	5,135					3.71		%				$	557,451					$	4,945					3.60		%
Federal funds sold						4,042						37						3.67						5,282						48						3.69
Investment securities - taxable						2,936,008						25,787						3.52						2,935,901						24,728						3.42
Investment securities - non-taxable - FTE						1,165,876						10,260						3.53						1,175,663						10,285						3.55
Loans receivable - FTE						17,083,743						298,270						7.00						15,680,598						273,678						7.08
Total interest-earning assets						21,744,855						339,489						6.26						20,354,895						313,684						6.25
Non-earning assets						2,780,403																		2,599,546
Total assets						$	24,525,258																	$	22,954,441
LIABILITIES AND SHAREHOLDERS' EQUITY
Liabilities
Interest-bearing liabilities
Savings and interest-bearing transaction accounts						$	12,392,404					$	68,650					2.22		%				$	11,868,976					$	64,408					2.20		%
Time deposits						2,301,685						18,782						3.27						1,795,501						14,737						3.33
Total interest-bearing deposits						14,694,089						87,432						2.39						13,664,477						79,145						2.35
Federal funds purchased						30						—						—						—						—						—
Securities sold under agreement to          repurchase						167,885						1,057						2.53						151,877						927						2.48
FHLB and other borrowed funds						466,734						4,346						3.73						500,250						4,692						3.80
Subordinated debentures						279,519						2,358						3.38						279,350						2,355						3.42
Total interest-bearing liabilities						15,608,257						95,193						2.45						14,595,954						87,119						2.42
Non-interest bearing liabilities
Non-interest bearing deposits						4,222,813																		3,856,492
Other liabilities						158,476																		177,275
Total liabilities						19,989,546																		18,629,721
Shareholders' equity						4,535,712																		4,324,720
Total liabilities and shareholders' equity						$	24,525,258																	$	22,954,441
Net interest spread																		3.81		%																3.83		%
Net interest income and margin - FTE												$	244,296					4.51												$	226,565					4.51

Home BancShares, Inc.

Consolidated Net Interest Margin

(Unaudited)

						Six Months Ended
						June 30, 2026																		June 30, 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						$	556,312					$	10,080					3.65		%				$	713,455					$	15,571					4.40		%
Federal funds sold						4,658						85						3.68						4,984						108						4.37
Investment securities - taxable						2,935,955						50,515						3.47						3,137,296						53,877						3.46
Investment securities - non-taxable - FTE						1,170,742						20,545						3.54						1,124,351						20,094						3.60
Loans receivable - FTE						16,386,047						571,948						7.04						14,975,109						547,067						7.37
Total interest-earning assets						21,053,714						653,173						6.26						19,955,195						636,717						6.43
Non-earning assets						2,702,912																		2,718,779
Total assets						$	23,756,626																	$	22,673,974
LIABILITIES AND SHAREHOLDERS' EQUITY
Liabilities
Interest-bearing liabilities
Savings and interest-bearing transaction accounts						$	12,132,136					$	133,059					2.21		%				$	11,472,548					$	140,713					2.47		%
Time deposits						2,049,991						33,518						3.30						1,844,059						34,562						3.78
Total interest-bearing deposits						14,182,127						166,577						2.37						13,316,607						175,275						2.65
Federal funds purchased						15						—						—						23						—						—
Securities sold under agreement to          repurchase						159,925						1,984						2.50						149,773						2,086						2.81
FHLB and other borrowed funds						483,399						9,038						3.77						583,739						11,441						3.95
Subordinated debentures						279,435						4,713						3.40						439,100						8,247						3.79
Total interest-bearing liabilities						15,104,901						182,312						2.43						14,489,242						197,049						2.74
Non-interest bearing liabilities
Non-interest bearing deposits						4,040,665																		3,981,425
Other liabilities						167,823																		196,232
Total liabilities						19,313,389																		18,666,899
Shareholders' equity						4,443,237																		4,007,075
Total liabilities and shareholders' equity						$	23,756,626																	$	22,673,974
Net interest spread																		3.83		%																3.69		%
Net interest income and margin - FTE												$	470,861					4.51												$	439,668					4.44

Home BancShares, Inc.

Non-GAAP Reconciliations

(Unaudited)

						Quarter Ended																														Six Months Ended
(Dollars and shares in thousands, except per share data)						Jun 30, 2026						Mar 31, 2026						Dec 31, 2025						Sep 30, 2025						Jun 30, 2025						Jun 30, 2026						Jun 30, 2025
NET INCOME (EARNINGS), AS ADJUSTED
GAAP net income available to common shareholders (A)						$	119,327					$	118,209					$	118,225					$	123,604					$	118,403					$	237,536					$	233,612
Pre-tax adjustments
Merger and acquisition expense						12,726						394						580						—						—						13,120						—
Gain on retirement of subordinated debt						—						—						—						(1,882)						—						—						—
FDIC special assessment credit						—						(1,697)						—						—						(1,516)						(1,697)						(1,516)
BOLI death benefits						(274)						—						—						(187)						(1,243)						(274)						(1,243)
Gain on sale of premises and equipment						—						—						—						—						(983)						—						(983)
Fair value adjustment for marketable securities						(817)						1,248						(1,173)						(1,020)						238						431						(204)
Special income from equity investment						—						—						—						—						(3,498)						—						(7,389)
Legal fee reimbursement						—						—						—						—						(885)						—						(885)
Legal claims expense						—						—						—						—						3,300						—						3,300
Recoveries on historic losses						—						—						—						(2,040)						—						—						—
Total pre-tax adjustments						11,635						(55)						(593)						(5,129)						(4,587)						11,580						(8,920)
Tax-effect of adjustments						2,901						(13)						(231)						(1,207)						(817)						2,888						(1,876)
Total adjustments after-tax (B)						8,734						(42)						(362)						(3,922)						(3,770)						8,692						(7,044)
Net income, as adjusted (C)						$	128,061					$	118,167					$	117,863					$	119,682					$	114,633					$	246,228					$	226,568
Average diluted shares outstanding (D)						201,420						196,733						196,764						197,288						197,765						199,088						198,289
GAAP diluted earnings per share: (A/D)						$	0.59					$	0.60					$	0.60					$	0.63					$	0.60					$	1.19					$	1.18
Adjustments after-tax: (B/D)						0.05						—						—						(0.02)						(0.02)						0.05						(0.04)
Diluted earnings per common share, as adjusted: (C/D)						$	0.64					$	0.60					$	0.60					$	0.61					$	0.58					$	1.24					$	1.14
ANNUALIZED RETURN ON AVERAGE ASSETS
Return on average assets: (A/E)						1.95		%				2.09		%				2.06		%				2.17		%				2.08		%				2.02		%				2.08		%
Return on average assets, as adjusted: (ROA, as adjusted) ((A+D)/E)						2.09						2.09						2.05						2.10						2.02						2.09						2.02
Return on average assets excluding intangible amortization: ((A+C)/(E-F))						2.12						2.25						2.22						2.34						2.25						2.18						2.25
Return on average assets, as adjusted, excluding intangible amortization: ((A+C+D)/(E-F))						2.27						2.25						2.22						2.27						2.18						2.26						2.18
GAAP net income available to common shareholders (A)						$	119,327					$	118,209					$	118,225					$	123,604					$	118,403					$	237,536					$	233,612
Amortization of intangibles (B)						2,889						1,938						1,938						2,024						2,025						4,827						4,072
Amortization of intangibles after-tax (C)						2,185						1,466						1,466						1,529						1,530						3,651						3,077
Adjustments after-tax (D)						8,734						(42)						(362)						(3,922)						(3,770)						8,692						(7,044)
Average assets (E)						24,525,258						22,954,441						22,786,852						22,638,938						22,797,738						23,756,626						22,673,974
Average goodwill & core deposit intangible (F)						1,481,989						1,429,527						1,431,479						1,433,474						1,435,480						1,455,903						1,436,492

Home BancShares, Inc.

Non-GAAP Reconciliations

(Unaudited)

						Quarter Ended																														Six Months Ended
(Dollars in thousands)						Jun 30, 2026						Mar 31, 2026						Dec 31, 2025						Sep 30, 2025						Jun 30, 2025						Jun 30, 2026						Jun 30, 2025
ANNUALIZED RETURN ON AVERAGE COMMON EQUITY
Return on average common equity: (A/D)						10.55		%				11.09		%				11.04		%				11.91		%				11.77		%				10.78		%				11.76		%
Return on average common equity, as adjusted: (ROE, as adjusted) ((A+C)/D)						11.32						11.08						11.01						11.54						11.39						11.18						11.40
Return on average tangible common equity:     (ROTCE) (A/(D-E))						15.67						16.56						16.65						18.28						18.26						16.03						18.33
Return on average tangible common equity, as adjusted: (ROTCE, as adjusted) ((A+C)/(D-E))						16.82						16.55						16.60						17.70						17.68						16.62						17.77
Return on average tangible common equity excluding intangible amortization: (B/(D-E))						15.96						16.76						16.85						18.51						18.50						16.28						18.57
Return on average tangible common equity, as adjusted, excluding intangible amortization: ((B+C)/(D-E))						17.11						16.76						16.80						17.93						17.92						16.87						18.02
GAAP net income available to common shareholders (A)						$	119,327					$	118,209					$	118,225					$	123,604					$	118,403					$	237,536					$	233,612
Earnings excluding intangible amortization (B)						121,512						119,675						119,691						125,133						119,933						241,187						236,689
Adjustments after-tax (C)						8,734						(42)						(362)						(3,922)						(3,770)						8,692						(7,044)
Average common equity (D)						4,535,712						4,324,720						4,248,856						4,115,884						4,036,155						4,443,237						4,007,075
Average goodwill & core deposits intangible (E)						1,481,989						1,429,527						1,431,479						1,433,474						1,435,480						1,455,903						1,436,492
EFFICIENCY RATIO & P5NR
Efficiency ratio: ((D-G)/(B+C+E))						44.54		%				41.59		%				39.54		%				40.21		%				41.68		%				43.14		%				41.94		%
Efficiency ratio, as adjusted: ((D-G-I)/(B+C+E-H))						40.46						41.99						39.53						40.95						42.01						41.19						42.42
Pre-tax net income to total revenue (net) (A/(B+C))						52.32						57.08						54.35						57.38						56.08						54.58						56.32
Pre-tax net income, as adjusted, to total revenue (net) ((A+F)/(B+C))						56.27						57.06						54.14						55.53						54.39						56.64						54.64
Pre-tax, pre-provision, net income (PPNR) (B+C-D)						$	159,603					$	152,732					$	167,723					$	162,833					$	154,991					$	312,335					$	302,145
Pre-tax, pre-provision, net income, as adjusted (B+C-D+F)						171,238						152,677						167,130						157,704						150,404						323,915						293,225
P5NR ((Pre-tax, pre-provision, profit percentage) PPNR to total revenue (net)) (B+C-D)/(B+C)						54.08		%				57.27		%				59.46		%				58.64		%				57.19		%				55.60		%				56.89		%
P5NR, as adjusted (B+C-D+F)/(B+C)						58.03						57.25						59.25						56.80						55.49						57.66						55.21
Pre-tax net income (A)						$	154,403					$	152,232					$	153,323					$	159,327					$	151,991					$	306,635					$	299,145
Net interest income (B)						241,643						223,904						231,586						226,166						219,952						465,547						434,608
Non-interest income (C)						53,454						42,803						50,500						51,505						51,079						96,257						96,505
Non-interest expense (D)						135,494						113,975						114,363						114,838						116,040						249,469						228,968
Fully taxable equivalent adjustment (E)						2,653						2,661						2,252						2,916						2,526						5,314						5,060
Total pre-tax adjustments (F)						11,635						(55)						(593)						(5,129)						(4,587)						11,580						(8,920)
Amortization of intangibles (G)						2,889						1,938						1,938						2,024						2,025						4,827						4,072
Adjustments:
Non-interest income:
Gain on retirement of subordinated debt						$	—					$	—					$	—					$	1,882					$	—					$	—					$	—
Fair value adjustment for marketable securities						817						(1,248)						1,173						1,020						(238)						(431)						204
Gain (loss) on OREO						332						707						203						(1)						13						1,039						(363)
Gain (loss) on branches, equipment and other assets, net						3						(7)						11						(66)						972						(4)						809
Special income from equity investment						—						—						—						—						3,498						—						7,389
Legal expense reimbursement						—						—						—						—						885						—						885
BOLI death benefits						274						—						—						187						1,243						274						1,243
Recoveries on historic losses						—						—						—						2,040						—						—						—
Total non-interest income adjustments (H)						$	1,426					$	(548)					$	1,387					$	5,062					$	6,373					$	878					$	10,167
Non-interest expense:
FDIC special assessment credit						—						(1,697)						—						—						(1,516)						(1,697)						(1,516)
Merger and acquisition expenses						12,726						394						580						—						—						13,120						—
Legal claims expense						—						—						—						—						3,300						—						3,300
Total non-interest expense adjustments (I)						$	12,726					$	(1,303)					$	580					$	—					$	1,784					$	11,423					$	1,784

Home BancShares, Inc.

Non-GAAP Reconciliations

(Unaudited)

						Quarter Ended
						Jun 30, 2026						Mar 31, 2026						Dec 31, 2025						Sep 30, 2025						Jun 30, 2025
TANGIBLE BOOK VALUE PER COMMON SHARE
Book value per common share: (A/B)						$	22.68					$	22.15					$	21.88					$	21.41					$	20.71
Tangible book value per common share: ((A-C-D)/B)						15.32						14.87						14.60						14.13						13.44
Total shareholders' equity (A)						$	4,547,435					$	4,349,585					$	4,296,871					$	4,214,964					$	4,085,316
End of period common shares outstanding (B)						200,460						196,394						196,357						196,889						197,239
Goodwill (C)						1,410,211						1,398,253						1,398,253						1,398,253						1,398,253
Core deposit and other intangibles (D)						65,541						30,355						32,293						34,231						36,255
TANGIBLE COMMON EQUITY TO TANGIBLE ASSETS
Equity to assets: (B/A)						18.40		%				18.75		%				18.78		%				18.56		%				17.83		%
Tangible common equity to tangible assets: ((B-C-D)/(A-C-D))						13.22						13.42						13.36						13.08						12.35
Total assets (A)						$	24,713,248					$	23,201,679					$	22,881,879					$	22,707,802					$	22,907,022
Total shareholders' equity (B)						4,547,435						4,349,585						4,296,871						4,214,964						4,085,316
Goodwill (C)						1,410,211						1,398,253						1,398,253						1,398,253						1,398,253
Core deposit and other intangibles (D)						65,541						30,355						32,293						34,231						36,255

Home BancShares, Inc.

Shareholder Buyback Yield

(Unaudited)

						Quarter Ended																														Six Months Ended
(Dollars and shares in thousands)						Jun 30, 2026						Mar 31, 2026						Dec 31, 2025						Sep 30, 2025						Jun 30, 2025						Jun 30, 2026						Jun 30, 2025
SHAREHOLDER BUYBACK YIELD
Shareholder buyback yield: (A/B)						0.77		%				0.25		%				0.27		%				0.18		%				0.49		%				1.00		%				1.02		%
Shares repurchased						1,500						508						541						350						1,000						2,008						2,000
Average price per share						$	26.94					$	27.32					$	27.26					$	28.34					$	26.99					$	27.04					$	28.33
Principal cost						40,415						13,877						14,747						9,918						26,989						54,292						56,657
Excise tax						386						1						141						93						459						387						576
Total share repurchase cost (A)						$	40,801					$	13,878					$	14,888					$	10,011					$	27,448					$	54,679					$	57,233
Shares outstanding beginning of period						196,394						196,357						196,889						197,239						198,206						196,357						198,882
Price per share beginning of period						$	26.93					$	27.78					$	28.30					$	28.46					$	28.27					$	27.78					$	28.30
Market capitalization beginning of period (B)						$	5,288,890					$	5,454,797					$	5,571,959					$	5,613,422					$	5,603,284					$	5,454,797					$	5,628,361

NYSE: HOMB | 2nd Quarter Earnings Call www.homebancshares.com

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 June 30, 2026, available at https://www.homebancshares.com/news-events/news/default.aspx. 2

NET INCOME 3 Net income totaled $119.3 million for the second quarter of 2026, compared to $118.4 million for the second quarter of 2025. The Company completed its acquisition of Mountain Commerce Bancorp, Inc. (“Mountain Commerce”) during the quarter and recognized $12.7 million in merger-related expenses. Net income, as adjusted (non-GAAP)(1), which excludes merger expenses and certain other items, reached a Company-record $128.1 million, an increase of 8.4% from $118.2 million in the prior quarter. (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 June 30, 2026, available at https://www.homebancshares.com/news-events/news/default.aspx.

PRE-TAX, PRE-PROVISION NET INCOME 4 Pre-tax, pre-provision net revenue (PPNR) (non-GAAP)(1) totaled $159.6 million for the second quarter of 2026, compared to $152.7 million in the first quarter of 2026. The Company completed its acquisition of Mountain Commerce during the quarter and incurred $12.7 million in merger-related expenses. Excluding merger expenses and certain other non-fundamental adjustments, PPNR, as adjusted (Non-GAAP)(1) increased to a Company-record $171.2 million, compared to $152.7 million in the prior quarter, reflecting revenue growth, including the impact of the Mountain Commerce acquisition, and continued operating performance. (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 June 30, 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 totaled $236.4 million for the second quarter of 2026, compared to $223.4 million in the first quarter of 2026, an increase of 5.8%. The increase was driven by continued growth in earning assets, including the impact of the Mountain Commerce acquisition completed during the quarter, as well as favorable net interest margin performance.

NON-INTEREST INCOME 6 Non-interest income totaled $53.5 million for the second quarter of 2026, compared to $42.8 million in the first quarter of 2026, an increase of 24.9%. The increase was primarily driven by higher other service charges and fees, a favorable fair value adjustment on marketable securities, and growth in other income, with additional contributions from the completed acquisition of Mountain Commerce.

TOTAL REVENUE (NET) 7 Total revenue (net) reached a Company-record $295.1 million for the second quarter of 2026, increasing 10.6% from $266.7 million in the prior quarter. The increase was driven by strong growth in net interest income, including the contribution from the Mountain Commerce acquisition completed during the quarter.

EXPENSES 8 Total expenses increased during the second quarter of 2026, reflecting the completed acquisition of Mountain Commerce. Interest expense increased to $95.2 million from $87.1 million in the prior quarter, primarily due to higher interest on deposits resulting from a $921.3 million increase in interest- bearing deposits. Non-interest expense increased to $135.5 million from $114.0 million in the first quarter of 2026, driven primarily by $12.7 million of merger-related expenses incurred during the quarter.

EFFICIENCY RATIO 9 The efficiency ratio was 44.54% for the second quarter of 2026, compared to 41.59% in the prior quarter, primarily reflecting $12.7 million of merger-related expenses associated with the completed acquisition of Mountain Commerce. Excluding merger-related expenses and certain other non-GAAP adjustments, the efficiency ratio, as adjusted, (non-GAAP)(1) improved to 40.46%, highlighting continued operating discipline while integrating the acquisition. (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 June 30, 2026, available at https://www.homebancshares.com/news-events/news/default.aspx.

RETURN ON AVERAGE ASSETS 10 Return on average assets (ROA) was 1.95% for the second quarter of 2026, compared to 2.09% in the prior quarter. The decline was primarily attributable to $12.7 million of merger-related expenses associated with the completed acquisition of Mountain Commerce. Excluding merger-related expenses and certain other non-GAAP adjustments, ROA, as adjusted, (non-GAAP)(1) remained strong at 2.09%, reflecting the Company's continued earnings strength and operating performance. (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 June 30, 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 $22.68 at June 30, 2026, from $22.15 at March 31, 2026, while tangible book value per share (non-GAAP)(1) increased to $15.32 from $14.87. The linked-quarter growth reflects strong earnings generation and the successful completion of the Mountain Commerce acquisition, which contributed to continued growth in shareholder value despite the impact of merger- related expenses incurred during the quarter. (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 June 30, 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 | 2nd Quarter Earnings Call www.homebancshares.com

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