Home Bancshares, Inc. · NYSE:HOMB

Home Bancshares — Merger or Acquisition (December 2025)

11 slides from Home Bancshares's merger presentation, December 2025

  1. Slide 1: Home BancShares Announces Acquisition of Mountain Commerce Bancorp, Inc.

    Home BancShares Announces Acquisition of Mountain Commerce Bancorp, Inc.

  2. Slide 2: Forward-Looking Statements

    FORWARD-LOOKING STATEMENTS This presentation contains forward-looking statements which include, but are not limited to, statements, estimates and projections about the benefits of the business combination transaction involving Home BancShares, Inc. (“HOMB”) and Mountain Commerce Bancorp, Inc. (“MCBI

  3. Slide 3: Additional Information and Where to Find It

    ADDITIONAL INFORMATION AND WHERE TO FIND IT This presentation does not constitute an offer to sell or the solicitation of an offer to buy any securities or a solicitation of any vote or approval with respect to the proposed business combination transaction involving HOMB and MCBI. No offer of securi

  4. Slide 4: Acquisition of Mountain Commerce Bancorp

    ACQUISITION OF MOUNTAIN COMMERCE BANCORP Triple Accretive: Accretive to EPS, BVPS and TBVPS Meaningful entrance into high-growth Knoxville, Nashville and Johnson City MSAs Mountain Commerce has a history of strong performance and is poised for additional margin and ROAA expansion Financially compell

  5. Slide 5: Overview of Mountain Commerce Bancorp

    OVERVIEW OF MOUNTAIN COMMERCE BANCORP FINANCIAL HIGHLIGHTS LOAN AND DEPOSIT COMPOSITION $1.8B $1.5B $1.6B Assets Gross Loans Deposits 43 bps 1.02% 12.3% $1.5B $1.6B YoY NIM Avg. ROAA Avg. ROATCE Expansion ’21 – ‘24 ’21 – ‘24 Total Total 55.2% 0.00% 16% Efficiency Ratio NCOs / Avg. Loans NIB Deposits

  6. Slide 6: Attractive Tennessee Markets

    ATTRACTIVE TENNESSEE MARKETS CENTRAL PROXIMITY TO KEY SOUTHEAST MARKETS RECENT ACCOLADES AND NOTABLE FACTS > Tennessee ranked #2 nationally for “Long-Term Fiscal Tennessee Johnson City Stability” (U.S. News) Nashville Knoxville > Nashville ranked the #1 “Hottest Job Market in the Country for 2022” (

  7. Slide 7: Proposed Terms of the Transaction

    PROPOSED TERMS OF THE TRANSACTION > Home BancShares, Inc. (NYSE: HOMB) will be the surviving entity TRANSACTION STRUCTURE > 0.850x HOMB shares for each share of Mountain Commerce Bancorp, Inc. (OTCQX: MCBI) common stock > Consideration Mix: 100% stock > Implied Price per Share: $23.51¹ TRANSACTION >

  8. Slide 8: Rare, Day Triple Accretive Transaction

    RARE, DAY 1 TRIPLE ACCRETIVE TRANSACTION Accretive to EPS Accretive to BVPS Accretive to TBVPS 1.4% 3.0% 0.7% 0.2% 2026E EPS 2027E EPS BVPS TBVPS Accretion1 Accretion Accretion Accretion Robust Capital Positioning and Operating Profile 15.9% 18.5% +35bps CET1 Ratio at Total Capital Ratio ROATCE Clos

  9. Slide 9: Total Shareholder Return Since HOMB Initial Public Offering

    TOTAL SHAREHOLDER RETURN SINCE HOMB INITIAL PUBLIC OFFERING BENEFITS TO MCBI SHAREHOLDERS: > Will receive a significantly higher quarterly dividend > Immediate liquidity in their stock Closing price as of December 5, 2025. Total return defined as total return of a security over a period, including p

  10. Slide 10: Appendix

    APPENDIX APPENDIX 10

  11. Slide 11: Proven Track Record with Over Two Decades of Successful M&A

    PROVEN TRACK RECORD WITH OVER TWO DECADES OF SUCCESSFUL M&A 2003 2005 2008 2010 2012 2013 Community Bank Twin City Bank Centennial Bank Old Southern Bank Vision Bank Liberty Bancshares, Inc. Cabot, AR North Little Rock, AR Little Rock, AR Orlando, FL Panama City, FL Jonesboro, AR Marine Bank Wakulla

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