Conway-based Home BancShares on Wednesday (Oct. 15) posted third-quarter net income of $123.6 million, better than the $100 million in the same quarter of 2024. Earnings per share of 63 cents beat the consensus estimate of 60 cents.

The bank operation, which is the parent company of Centennial Bank, had quarterly revenue of $277.7 million, up 7.6% compared with $258 million in the third quarter of 2024. The revenue beat the consensus estimate of $269.96 million.

“HOMB’s powerful, peer leading margins and efficiencies, coupled with strong revenues, propelled HOMB to another top tier, best in class third quarter performance,” bank chairman John Allison said in the earnings report posted after the financial markets closed.

The company reported increases in loan growth, with loans receivable of $15.285 million marking a quarterly record for the company.

“During the third quarter of 2025, the Company had a $105.3 million increase in loans,” the bank noted in the earnings report. “Our community banking footprint experienced $164.8 million in organic loan growth during the quarter ended September 30, 2025, and Centennial CFG experienced $59.4 million of organic loan decline and had loans of $1.78 billion at September 30, 2025.”

As of Sept. 30, the bank reported $126.475 million in non-performing loans and assets, better than the $137.821 million reported as of June 30. Of the non-performing loans and assets as of Sept. 30, $45.579 million were in Texas, $25.889 million were in Florida, and $20.778 million were in Arkansas.

Following are other financial items from the second quarter report.
• Total assets as of Sept. 30 reached $22.707 billion, below the $22.823 billion at the same period in 2024.
• Total loans receivable as of Sept. 30 were $15.285 billion, up from the $14.823 billion at the same period in 2024.
• Total deposits as of Sept. 30 were $17.327 billion, up from the $16.705 billion at the same period in 2024.
• The return on assets as of Sept. 30 was 2.17%, up from 1.74% in the same period in 2024.

The gains so far in 2025 are up against similar gains in 2024. Home BancShares posted 2024 net income of $402.241 million, up 2.7% compared with 2023, and a record for the bank holding company. For the year, the bank posted revenue of $1.017 billion, above the $996.879 million in 2024.

Founded in 1999, Home BancShares has 75 branches in Arkansas, 78 branches in Florida, 59 branches in Texas, 5 branches in Alabama and one branch in New York City.

Shares of Home BancShares (NASDAQ: HOMB) closed Wednesday at $27.45, down 89 cents. During the past 52 weeks, the share price has ranged between $32.91 and $22.42.

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