HOMB Delivers Another Strong Quarter: $400 Million Loan Growth, Sub-40% Efficiency Ratio & Robust Margin Drive 18% Year-Over-Year Income Increase and Annual ROA of 2.10%

About this update from Home Bancshares, Inc.

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Total revenue (net) increased from $258.4 million in Q4 2024 to $260.1 million in Q1 2025, followed by $271.0 million in Q2 and $277.7 million in Q3. By Q4 2025, it reached $282.1 million, reflecting continued momentum and strong performance across the year.","length":332,"tagName":"p","attribs":{}}]},{"style":"vertical-align:bottom;","val":[{"type":"text","content":" ","length":6,"tagName":"p","attribs":{}}]},{"style":"text-align:justify;vertical-align:middle;vertical-align:top;","val":[{"type":"text","content":"Interest expense declined steadily throughout 2025, decreasing from $105.6 million in Q4 2024 to $92.0 million in Q4 2025. Non-interest expense remained relatively stable, ranging from $112.2 million in Q4 2024 to $114.4 million in Q4 2025, with a peak of $116.0 million in Q2 2025, primarily due to legal claims expense. The overall trend reflects effective management of interest costs while maintaining consistent non-interest expense levels.","length":445,"tagName":"p","attribs":{}}]}]},{"val":[{"colspan":"3","style":"text-align:center;vertical-align:middle;vertical-align:top;","val":[{"type":"text","content":" ","length":6,"tagName":"p","attribs":{}}]}]},{"val":[{"style":"border-top:solid black 1pt;border-bottom:solid black 1pt;border-left:solid black 1pt;text-align:center;vertical-align:middle;vertical-align:top;","val":[{"type":"image","alt":"Total Revenue (Net)","displaySize":"","headline":null,"caption":"Total Revenue (Net)","className":"","disableSlideshowImg":false,"size":{"original":{"url":"https://media.zenfs.com/en/globenewswire.com/98f0eb889ec467dac24d182413f04ff4","width":600,"height":458}}},{"type":"text","content":" ","length":0,"tagName":"p","attribs":{}}]},{"style":"border-left:solid black 1pt;vertical-align:bottom;","val":[{"type":"text","content":" ","length":6,"tagName":"p","attribs":{}}]},{"style":"border-top:solid black 1pt;border-right:solid black 1pt;border-bottom:solid black 1pt;border-left:solid black 1pt;text-align:center;vertical-align:middle;vertical-align:top;","val":[{"type":"image","alt":"QTD Expenses","displaySize":"","headline":null,"caption":"QTD Expenses","className":"","disableSlideshowImg":false,"size":{"original":{"url":"https://media.zenfs.com/en/globenewswire.com/3b55804619c4da67ec425b046eeecbf7","width":600,"height":458}}},{"type":"text","content":" ","length":0,"tagName":"p","attribs":{}}]}]},{"val":[{"val":[{"type":"text","content":" ","length":6,"tagName":"p"}]},{"val":[{"type":"text","content":" ","length":6,"tagName":"p"}]},{"val":[{"type":"text","content":" ","length":6,"tagName":"p"}]}]}],"length":1854},{"type":"text","content":" ","length":0,"tagName":"p"},{"type":"table","headerItems":[],"items":[{"val":[{"style":"max-width:49%;width:49%;min-width:49%;border-bottom:solid black 1pt;text-align:justify;vertical-align:middle;vertical-align:top;","val":[{"type":"text","content":"ROA demonstrated strong improvement in 2025, rising from 1.77% in Q4 2024 to a peak of 2.17% in Q3 2025. ROA, as adjusted, (non-GAAP) (1) followed a similar trend, reaching 2.10% in Q3 2025. Despite a slight moderation in Q4 2025 resulting from the provision for credit losses, both measures ended the year above 2.0%, reflecting continued strength in asset utilization and profitability. These results underscore our ability to deliver superior returns and position the Company for sustained growth.","length":499,"tagName":"p","attribs":{}}]},{"style":"max-width:2%;width:2%;min-width:2%;vertical-align:bottom;","val":[{"type":"text","content":" ","length":6,"tagName":"p","attribs":{}}]},{"style":"max-width:49%;width:49%;min-width:49%;border-bottom:solid black 1pt;text-align:justify;vertical-align:middle;vertical-align:top;","val":[{"type":"text","content":"The chart below underscores the Company’s strong and consistent performance in managing operating expenses, as reflected in its efficiency ratio over the past five quarters. The efficiency ratio is a key metric that measures how effectively the Company converts its revenue into net income by comparing non-interest expenses to total revenue. A lower efficiency ratio indicates greater operational efficiency and cost discipline, which are essential for sustaining profitability and enhancing shareholder value.","length":511,"tagName":"p","attribs":{}}]}]},{"val":[{"style":"border-bottom:solid black 1pt;border-left:solid black 1pt;text-align:center;vertical-align:middle;vertical-align:top;","val":[{"type":"image","alt":"ROA","displaySize":"","headline":null,"caption":"ROA","className":"","disableSlideshowImg":false,"size":{"original":{"url":"https://media.zenfs.com/en/globenewswire.com/b7482d6826d6af1166aa52ffa84f4b5c","width":600,"height":458}}},{"type":"text","content":" ","length":0,"tagName":"p","attribs":{}}]},{"style":"border-left:solid black 1pt;vertical-align:bottom;","val":[{"type":"text","content":" ","length":6,"tagName":"p","attribs":{}}]},{"style":"border-right:solid black 1pt;border-bottom:solid black 1pt;border-left:solid black 1pt;text-align:center;vertical-align:middle;vertical-align:top;","val":[{"type":"image","alt":"Efficiency Ratio","displaySize":"","headline":null,"caption":"Efficiency Ratio","className":"","disableSlideshowImg":false,"size":{"original":{"url":"https://media.zenfs.com/en/globenewswire.com/b8d2b04fd5b85ea091fb3f6d91ef3a6d","width":600,"height":458}}},{"type":"text","content":" ","length":0,"tagName":"p","attribs":{}}]}]},{"val":[{"style":"vertical-align:bottom;","val":[{"type":"text","content":" ","length":6,"tagName":"p","attribs":{}}]},{"style":"vertical-align:bottom;","val":[{"type":"text","content":" ","length":6,"tagName":"p","attribs":{}}]},{"style":"vertical-align:bottom;","val":[{"type":"text","content":" ","length":6,"tagName":"p","attribs":{}}]}]},{"val":[{"colspan":"3","style":"text-align:justify;vertical-align:middle;vertical-align:top;","val":[{"type":"text","content":"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.","length":320,"tagName":"p","attribs":{}}]}]},{"val":[{"style":"border-top:solid black 1pt;border-bottom:solid black 1pt;border-left:solid black 1pt;text-align:center;vertical-align:middle;vertical-align:top;","val":[{"type":"image","alt":"NIM","displaySize":"","headline":null,"caption":"NIM","className":"","disableSlideshowImg":false,"size":{"original":{"url":"https://media.zenfs.com/en/globenewswire.com/54177cbc67a185b2fbd27b4d553d5aee","width":600,"height":396}}},{"type":"text","content":" ","length":0,"tagName":"p","attribs":{}}]},{"style":"border-left:solid black 1pt;vertical-align:bottom;","val":[{"type":"text","content":" ","length":6,"tagName":"p","attribs":{}}]},{"style":"border-top:solid black 1pt;border-right:solid black 1pt;border-bottom:solid black 1pt;border-le...

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