HOME BANCSHARES INC has recently released its 10-K report, providing a comprehensive overview of its financial performance and business operations. The company operates as the bank holding company for Centennial Bank, offering commercial and retail banking services, including checking, savings, and money market accounts, as well as various types of loans and insurance policies. It also provides internet and mobile banking, cash management, and safe deposit box services. As of December 31, 2025, the company had total assets of $22.88 billion, loans receivable of $15.39 billion, total deposits of $17.48 billion, and stockholders’ equity of $4.30 billion.
In the 10-K report, HOME BANCSHARES INC's financial performance for the years ended December 31, 2025, and 2024 is detailed. The net income increased by $73.2 million, or 18.2%, to $475.4 million for the year ended December 31, 2025, from $402.2 million for the same period in 2024. The diluted earnings per share were $2.41 for the year ended December 31, 2025, compared to $2.01 for the year ended December 31, 2024. The company recorded $20.9 million in credit loss expense for the year ended December 31, 2025. Interest expense decreased by $64.5 million, or 14.3%, and non-interest income increased by $29.9 million, or 17.8%. The net interest margin on a fully taxable equivalent basis increased from 4.27% for the year ended December 31, 2024, to 4.51% for the year ended December 31, 2025. The efficiency ratio was 40.88% for the year ended December 31, 2025, compared to 42.74% for the same period in 2024, and the return on average assets was 2.10% for the year ended December 31, 2025, compared to 1.77% for the same period in 2024.
The financial condition as of and for the years ended December 31, 2025, and 2024 is also outlined in the report. Total assets as of December 31, 2025, increased to $22.88 billion from $22.49 billion reported as of December 31, 2024. The loan portfolio balance increased to $15.69 billion as of December 31, 2025, from $14.76 billion as of December 31, 2024. Total deposits increased to $17.48 billion as of December 31, 2025, compared to $17.15 billion as of December 31, 2024. Stockholders’ equity increased to $4.30 billion as of December 31, 2025, compared to $3.96 billion as of December 31, 2024. The non-performing loans decreased to $85.0 million, or 0.54%, of total loans as of December 31, 2025, from $98.9 million, or 0.67%, of total loans as of December 31, 2024. The allowance for credit losses as a percentage of non-performing loans increased to 350.17% as of December 31, 2025, compared to 278.99% as of December 31, 2024.
Today the company's shares have moved 0.24% to a price of $28.94. For more information, read the company's full 10-K submission here.
