Why one $80.7 million payment matters to Home BancShares
A repayment on a troubled Texas credit is larger than the entire increase in problem loans last quarter. The remaining balance awaits a second collateral sale.
Ticker Byline
Home BancShares, Inc.
Home BancShares is the parent of Centennial Bank, providing commercial and retail banking across several U.S. markets.
- Ticker
- HOMB
- Exchange
- XNYS
- SEC CIK
- 0001331520
Home BancShares is an Arkansas-based bank holding company and the parent of Centennial Bank. The bank serves businesses and households through commercial and retail banking. It operates in Arkansas, Florida, Texas, Tennessee, Alabama and New York City. Home BancShares trades on the New York Stock Exchange under HOMB.
Scale and credit quality
| Measure | June 30, 2026 | September 30, 2026 |
|---|---|---|
| Loans before allowance | $17,127.2 | $16,910.6 |
| Deposits | $19,113.1 | $18,755.6 |
| Cash and cash equivalents | $1,052.5 | $859.1 |
| Nonperforming loans | $185.3 | $200.8 |
| Loan-loss allowance | $328.4 | $326.2 |
| Nonperforming loans / total loans | 1.08% | 1.19% |
Nonperforming loans include loans on which regular interest is no longer recognized and loans at least 90 days past due. The allowance is an accounting reserve for expected loan losses. It is separate from cash.
Latest earnings and funding
Third-quarter 2026 net income was $129.5 million, compared with $123.6 million a year earlier. Net interest income increased to $242.0 million from $226.2 million. Diluted earnings were $0.65 a share, and credit-loss expense was zero for the quarter.
September assets totaled $24.15 billion. Deposits were the main source of funding. FHLB and other borrowed funds were $250.3 million, subordinated debentures were $279.8 million and securities repurchase agreements were $161.2 million. The common equity tier 1 capital ratio, which compares core common capital with risk-weighted assets, was 16.7%.
Acquisition history
Home BancShares completed its Mountain Commerce Bancorp acquisition on April 1, 2026, and merged Mountain Commerce Bank into Centennial Bank. It issued about 5.4 million shares valued at $146.0 million, adding banking operations in Tennessee. The 2026 figures include that acquired business.
The Texas credit resolution
On November 5, the bank disclosed an $80.7 million principal payment on a $92.1 million Texas nonperforming lending relationship. The remaining $11.4 million stays on nonaccrual status. Those receipts came after the September balances above.
The company says this completes the first of two resolution phases and expects a sale of the remaining collateral in Q4 2026. That sale is intended to repay the rest and could recover part of an earlier 2024 write-off. Completion of the sale and any additional recovery are the next concrete milestones.
Latest reporting