HOME BANCSHARES INC

Company Overview Home BancShares, Inc. ( Home BancShares, we, us, HBI or the Company ) is a Conway, Arkansas headquartered bank holding company registered under the federal Bank Holding Company Act of 1956. The Company’s common stock is traded through the New York Stock Exchange under the symbol HOMB. We are primarily engaged in providing a broad range of commercial and retail banking and related financial services to businesses, real estate developers and investors, individuals and municipalities through our wholly owned community bank subsidiary Centennial Bank. Centennial Bank has branch locations in Arkansas, Florida, Texas, South Alabama and New York City. Although the Company has a diversified loan portfolio, at December 31, 2025 and 2024, commercial real estate loans represented 53.2% and 57.6% of gross loans and 194.3% and 214.6% of total stockholders’ equity, respectively. The Company’s total assets, total deposits, total revenue and net income for each of the past three years are as follows: December 31, 2025 2024 2023 (In thousands) Total assets $ 22,881,879 $ 22,490,748 $ 22,656,658 Total deposits 17,479,957 17,146,297 16,787,711 Total revenue (net interest income plus non-interest income) 1,090,869 1,017,348 996,879 Net income 475,441 402,241 392,929 Home BancShares acquires, organizes and invests in community banks that serve attractive markets. Our community banking team is built around experienced bankers with strong local relationships. The Company was formed in 1998 by an investor group led by John W. Allison, our Chairman, and Robert H.