Home BancShares, Inc.

CONWAY, Ark., April 16, 2025 (GLOBE NEWSWIRE) -- Home BancShares, Inc. (NYSE: HOMB) (“Home” or the “Company”), parent company of Centennial Bank, released quarterly earnings today.

Quarterly Highlights Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Net income $115.2 million $100.6 million $100.0 million $101.5 million $100.1 million Net income, as adjusted (non-GAAP)(1) $111.9 million $99.8 million $99.0 million $103.9 million $99.2 million Total revenue (net) $260.1 million $258.4 million $258.0 million $254.6 million $246.4 million Income before income taxes $147.2 million $129.5 million $129.1 million $133.4 million $130.4 million Pre-tax, pre-provision, net income (PPNR) (non-GAAP)(1) $147.2 million $146.2 million $148.0 million $141.4 million $134.9 million PPNR, as adjusted (non-GAAP)(1) $142.8 million $145.2 million $146.6 million $141.9 million $133.7 million Pre-tax net income to total revenue (net) 56.58% 50.11% 50.03% 52.40% 52.92% Pre-tax net income, as adjusted, to total revenue (net) (non-GAAP)(1) 54.91% 49.74% 49.49% 52.59% 52.45% P5NR (Pre-tax, pre-provision, profit percentage) (PPNR to total revenue (net)) (non-GAAP)(1) 56.58% 56.57% 57.35% 55.54% 54.75% P5NR, as adjusted (non-GAAP)(1) 54.91% 56.20% 56.81% 55.73% 54.28% ROA 2.07% 1.77% 1.74% 1.79% 1.78% ROA, as adjusted (non-GAAP)(1) 2.01% 1.76% 1.72% 1.83% 1.76% NIM 4.44% 4.39% 4.28% 4.27% 4.13% Purchase accounting accretion $1.4 million $1.6 million $1.9 million $1.9 million $2.8 million ROE 11.75% 10.13% 10.23% 10.73% 10.64% ROE, as adjusted (non-GAAP)(1) 11.41% 10.05% 10.12% 10.98% 10.54% ROTCE (non-GAAP)(1) 18.39% 15.94% 16.26% 17.29% 17.22% ROTCE, as adjusted (non-GAAP)(1) 17.87% 15.82% 16.09% 17.69% 17.07% Diluted earnings per share $0.58 $0.51 $0.50 $0.51 $0.50 Diluted earnings per share, as adjusted (non-GAAP)(1) $0.56 $0.50 $0.50 $0.52 $0.49 Non-performing assets to total assets 0.56% 0.63% 0.63% 0.56% 0.48% Common equity tier 1 capital 15.4% 15.1% 14.7% 14.4% 14.3% Leverage 13.3% 13.0% 12.5% 12.3% 12.3% Tier 1 capital 15.4% 15.1% 14.7% 14.4% 14.3% Total risk-based capital 19.1% 18.7% 18.3% 18.0% 17.9% Allowance for credit losses to total loans 1.87% 1.87% 2.11% 2.00% 2.00% Book value per share $20.40 $19.92 $19.91 $19.30 $18.98 Tangible book value per share (non-GAAP)(1) 13.15 12.68 12.67 12.08 11.79

(1) Calculation of this metric and the reconciliation to GAAP are included in the schedules accompanying this release.

“This industry boils down to revenue and expenses. The magic is, doing the simple things repeatedly and long enough, creating a compounding effect of success. A record setting first quarter has paved the way for a strong year,” said John Allison, Chairman and CEO of HOMB.

Story Continues

Operating Highlights

Net income for the three-month period ended March 31, 2025 was $115.2 million, or $0.58 diluted earnings per share. Diluted earnings per share of $0.58 was a record for the Company. When adjusting for non-fundamental items, net income and diluted earnings per share on an as-adjusted basis (non-GAAP), were $111.9 million(1) and $0.56 per share(1), respectively, for the three months ended March 31, 2025.

Our net interest margin was 4.44% for the three-month period ended March 31, 2025, compared to 4.39% for the three-month period ended December 31, 2024. The yield on loans was 7.38% and 7.49% for the three months ended March 31, 2025 and December 31, 2024, respectively, as average loans increased from $14.80 billion to $14.89 billion. Additionally, the rate on interest bearing deposits decreased to 2.67% as of March 31, 2025, from 2.80% as of December 31, 2024, while average interest-bearing deposits increased from $12.86 billion to $13.20 billion.

During the first quarter of 2025, there was $1.3 million of event interest income compared to $1.5 million of event interest income for the fourth quarter of 2024. Purchase accounting accretion on acquired loans was $1.4 million and $1.6 million for the three-month periods ended March 31, 2025 and December 31, 2024, respectively, and average purchase accounting loan discounts were $17.5 million and $19.1 million for the three-month periods ended March 31, 2025 and December 31, 2024, respectively.

Net interest income on a fully taxable equivalent basis was $217.2 million for the three-month period ended March 31, 2025, and $219.5 million for the three-month period ended December 31, 2024. This decrease in net interest income for the three-month period ended March 31, 2025, was the result of a $10.0 million decrease in interest income, partially offset by a $7.7 million decrease in interest expense. The $7.7 million decrease in interest expense was due to a $3.8 million decrease in interest expense on deposits and a $3.6 million decrease in FHLB and other borrowed funds resulting from the payoff of the BTFP advance during the fourth quarter of 2024 and the declining interest rate environment. The $10.0 million decrease in interest income was primarily the result of a $7.6 million decrease in loan income, a $1.4 million decrease in investment income and a $965,000 decrease in income from deposits with other banks resulting from the payoff of the BTFP advance and the declining interest rate environment. The overall decrease in interest income and interest expense is primarily due to the declining interest rate environment.

The Company reported $45.4 million of non-interest income for the first quarter of 2025. The most important components of non-interest income were $11.4 million from other income, $10.7 million from other service charges and fees, $9.7 million from service charges on deposit accounts, $4.8 million from trust fees, $3.6 million in mortgage lending income, $2.7 million from dividends from FHLB, FRB, FNBB and other, $1.8 million from the increase in cash value of life insurance and $442,000 from the fair value adjustment for marketable securities. Included within other income was $3.9 million in special income from equity investments.

Non-interest expense for the first quarter of 2025 was $112.9 million. The most important components of non-interest expense were $61.9 million from salaries and employee benefits, $28.1 million in other operating expense, $14.4 million in occupancy and equipment expenses and $8.6 million in data processing expenses. For the first quarter of 2025, our efficiency ratio was 42.22%, and our efficiency ratio, as adjusted (non-GAAP), was 42.84%(1).

Financial Condition

Total loans receivable were $14.95 billion at March 31, 2025, compared to $14.76 billion at December 31, 2024. Total loans receivable of $14.95 billion were a record for the Company. Total deposits were $17.54 billion at March 31, 2025, compared to $17.15 billion at December 31, 2024. Total assets were $22.99 billion at March 31, 2025, compared to $22.49 billion at December 31, 2024.

During the first quarter of 2025, the Company had a $187.6 million increase in loans. Our community banking footprint experienced $291.5 million in organic loan growth during the quarter ended March 31, 2025, and Centennial CFG experienced $103.9 million of organic loan decline and had loans of $1.71 billion at March 31, 2025.

Non-performing loans to total loans were 0.60% and 0.67% at March 31, 2025 and December 31, 2024, respectively. Non-performing assets to total assets were 0.56% and 0.63% at March 31, 2025 and December 31, 2024, respectively. Net loans recovered were $4.1 million for the three months ended March 31, 2025, and net loans charged-off were $53.4 million for the three months ended December 31, 2024. During the fourth quarter of 2024, the Company completed an asset quality cleanup project which resulted in the significant level of charge-offs. The charge-off detail by region for the quarters ended March 31, 2025 and December 31, 2024 can be seen below.

For the Three Months Ended March 31, 2025 (in thousands)  Texas  Arkansas  Centennial
CFG  Shore
Premier
Finance  Florida  Alabama  Total Charge-offs  $ 444   $ 474   $ —   $ 53   $ 2,479   $ 8   $ 3,458  Recoveries   (6,514 )   (228 )   (658 )   (3 )   (117 )   (2 )   (7,522 ) Net (recoveries)
charge-offs  $ (6,070 )  $ 246   $ (658 )  $ 50   $ 2,362   $ 6   $ (4,064 )

For the Three Months Ended December 31, 2024 (in thousands)  Texas  Arkansas  Centennial
CFG  Shore
Premier
Finance  Florida  Alabama  Total Charge-offs  $ 47,774   $ 2,108   $ 1,973  $ 1,457   $ 637   $ 10   $ 53,959  Recoveries   (174 )   (181 )   —   (15 )   (193 )   (2 )   (565 ) Net charge-offs  $ 47,600   $ 1,927   $ 1,973  $ 1,442   $ 444   $ 8   $ 53,394

At March 31, 2025, non-performing loans were $89.6 million, and non-performing assets were $129.4 million. At December 31, 2024, non-performing loans were $98.9 million, and non-performing assets were $142.4 million.

The table below shows the non-performing loans and non-performing assets by region as March 31, 2025:

(in thousands)  Texas  Arkansas  Centennial
CFG  Shore
Premier
Finance  Florida  Alabama  Total Non-accrual loans  23,694  15,214  2,766  5,444  39,108  157  86,383 Loans 90+ days past due  3,264  —  —  —  —  —  3,264 Total non-performing loans  26,958  15,214  2,766  5,444  39,108  157  89,647  Foreclosed assets held for sale  15,357  1,052  22,820  —  451  —  39,680 Other non-performing assets  63  —  —  —  —  —  63 Total other non-performing assets  15,420  1,052  22,820  —  451  —  39,743 Total non-performing assets  42,378  16,266  25,586  5,444  39,559  157  129,390

The table below shows the non-performing loans and non-performing assets by region as December 31, 2024:

(in thousands)  Texas  Arkansas  Centennial
CFG  Shore
Premier
Finance  Florida  Alabama  Total Non-accrual loans  23,494  18,448  7,390  5,537  38,778  206  93,853 Loans 90+ days past due  4,134  538  —  —  362  —  5,034 Total non-performing loans  27,628  18,986  7,390  5,537  39,140  206  98,887  Foreclosed assets held for sale  13,924  757  22,775  —  5,951  —  43,407 Other non-performing assets  63  —  —  —  —  —  63 Total other non-performing assets  13,987  757  22,775  —  5,951  —  43,470 Total non-performing assets  41,615  19,743  30,165  5,537  45,091  206  142,357

The Company’s allowance for credit losses on loans was $279.9 million at March 31, 2025, or 1.87% of total loans, compared to the allowance for credit losses on loans of $275.9 million, or 1.87% of total loans, at December 31, 2024. As of March 31, 2025 and December 31, 2024, the Company’s allowance for credit losses on loans was 312.27% and 278.99% of its total non-performing loans, respectively. The increase in the allowance for credit losses reflects the net recoveries during the quarter.

Stockholders’ equity was $4.04 billion at March 31, 2025, which increased approximately $81.5 million from December 31, 2024. The net increase in stockholders’ equity is primarily associated with the $76.5 million increase in retained earnings and the $31.6 million decrease in accumulated other comprehensive loss, which was partially offset by the $29.7 million in stock repurchases for the quarter. Book value per common share was $20.40 at March 31, 2025, compared to $19.92 at December 31, 2024. Tangible book value per common share (non-GAAP) was $13.15(1) at March 31, 2025, compared to $12.68(1) at December 31, 2024. Book value per common share and tangible book value per common share, as of March 31, 2025, were both records for the Company.

Branches

The Company currently has 75 branches in Arkansas, 78 branches in Florida, 58 branches in Texas, 5 branches in Alabama and one branch in New York City.

Conference Call

Management will conduct a conference call to review this information at 1:00 p.m. CT (2:00 p.m. ET) on Thursday, April 17, 2025. We strongly encourage all participants to pre-register for the conference call webcast or the live call using one of the following links. First, participants can pre-register for the conference call webcast using the following link: https://events.q4inc.com/attendee/447517977. Participants who pre-register will be given a unique webcast link to gain immediate access to the conference call webcast. Second, participants can pre-register for the live call using the following link: https://www.netroadshow.com/events/login?show=a44e9900&confId=79637. Participants who pre-register will be given the phone number and unique access codes to gain immediate access to the live call. Participants may pre-register now, or at any time prior to the call, and will immediately receive simple instructions via email. The Home BancShares conference call will also be scheduled as an event in your Outlook calendar.

Those without internet access or unable to pre-register may dial in and listen to the live call by calling 1-833-470-1428, Passcode: 947933. A replay of the call will be available by calling 1-866-813-9403, Passcode: 685290, which will be available until April 24, 2025, at 11:59 p.m. CT. Internet access to the call will be available live or in recorded version on the Company's website at www.homebancshares.com.

About Home BancShares

Home BancShares, Inc. is a bank holding company, headquartered in Conway, Arkansas. Its wholly-owned subsidiary, Centennial Bank, provides a broad range of commercial and retail banking plus related financial services to businesses, real estate developers, investors, individuals and municipalities. Centennial Bank has branch locations in Arkansas, Florida, Texas, South Alabama and New York City. The Company’s common stock is traded through the New York Stock Exchange under the symbol “HOMB.” The Company was founded in 1998. Visit www.homebancshares.com or www.my100bank.com for more information.

Non-GAAP Financial Measures

This press release contains financial information determined by methods other than in accordance with generally accepted accounting principles (GAAP). The Company’s management uses these non-GAAP financial measures--including net income (earnings), as adjusted; pre-tax, pre-provision, net income (PPNR); PPNR, as adjusted; pre-tax net income, as adjusted, to total revenue (net); pre-tax, pre-provision, profit percentage; pre-tax, pre-provision, profit percentage, as adjusted; diluted earnings per common share, as adjusted; return on average assets, as adjusted; return on average assets excluding intangible amortization; return on average assets, as adjusted, excluding intangible amortization; return on average common equity, as adjusted; return on average tangible common equity; return on average tangible common equity, as adjusted; return on average tangible common equity excluding intangible amortization; return on average tangible common equity, as adjusted, excluding intangible amortization; efficiency ratio, as adjusted; tangible book value per common share and tangible common equity to tangible assets--to provide meaningful supplemental information regarding our performance. These measures typically adjust GAAP performance measures to include the tax benefit associated with revenue items that are tax-exempt, as well as adjust income available to common shareholders for certain significant items or transactions that management believes are not indicative of the Company’s primary business operating results. Since the presentation of these GAAP performance measures and their impact differ between companies, management believes presentations of these non-GAAP financial measures provide useful supplemental information that is essential to a proper understanding of the operating results of the Company’s business. These non-GAAP disclosures should not be viewed as a substitute for operating results determined in accordance with GAAP, nor are they necessarily comparable to non-GAAP performance measures that may be presented by other companies. Where non-GAAP financial measures are used, the comparable GAAP financial measure, as well as the reconciliation to the comparable GAAP financial measure, can be found in the tables of this release.

(1) Calculation of this metric and the reconciliation to GAAP are included in the schedules accompanying this release.

General

This release contains forward-looking statements regarding the Company’s plans, expectations, goals and outlook for the future, including future financial results. Statements in this press release that are not historical facts should be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements are not guarantees of future events, performance or results. When we use words or phrases like “may,” “plan,” “propose,” “contemplate,” “anticipate,” “believe,” “intend,” “continue,” “expect,” “project,” “predict,” “estimate,” “could,” “should,” “would” and similar expressions, you should consider them as identifying forward-looking statements, although we may use other phrasing. Forward-looking statements of this type speak only as of the date of this news release. By nature, forward-looking statements involve inherent risks and uncertainties. Various factors could cause actual results to differ materially from those contemplated by the forward-looking statements. These factors include, but are not limited to, the following: economic conditions, credit quality, interest rates, loan demand, real estate values and unemployment, including any future impacts from inflation or changes in tariffs or trade policies; the ability to identify, complete and successfully integrate new acquisitions; the risk that expected cost savings and other benefits from acquisitions may not be fully realized or may take longer to realize than expected; diversion of management time on acquisition-related issues; the availability of and access to capital and liquidity on terms acceptable to us; legislative and regulatory changes and risks and expenses associated with current and future legislation and regulations; technological changes and cybersecurity risks and incidents; the effects of changes in accounting policies and practices; changes in governmental monetary and fiscal policies; political instability, military conflicts and other major domestic or international events; the impacts of recent or future adverse weather events, including hurricanes, and other natural disasters; disruptions, uncertainties and related effects on credit quality, liquidity and other aspects of our business and operations that may result from any future public health crises; competition from other financial institutions; potential claims, expenses and other adverse effects related to current or future litigation, regulatory examinations or other government actions; potential increases in deposit insurance assessments, increased regulatory scrutiny or market disruptions resulting from financial challenges in the banking industry; changes in the assumptions used in making the forward-looking statements; and other factors described in reports we file with the Securities and Exchange Commission (the “SEC”), including those factors set forth in our Annual Report on Form 10-K for the year ended December 31, 2024, filed with the SEC on February 27, 2025.

FOR MORE INFORMATION CONTACT:
Donna Townsell
Director of Investor Relations
Home BancShares, Inc.
(501) 328-4625

Home BancShares, Inc.  Consolidated End of Period Balance Sheets  (Unaudited)   (In thousands)   Mar. 31, 2025  Dec. 31, 2024  Sep. 30, 2024  Jun. 30, 2024  Mar. 31, 2024 ASSETS  Cash and due from banks  $ 319,747   $ 281,063   $ 265,408   $ 229,209   $ 205,262  Interest-bearing deposits with other banks   975,983    629,284    752,269    829,507    969,996  Cash and cash equivalents   1,295,730    910,347    1,017,677    1,058,716    1,175,258  Federal funds sold   6,275    3,725    6,425    —    5,200  Investment securities - available-for-sale, net of allowance for credit losses   3,003,320    3,072,639    3,270,620    3,344,539    3,400,884  Investment securities - held-to-maturity, net of allowance for credit losses   1,269,896    1,275,204    1,277,090    1,278,853    1,280,586  Total investment securities   4,273,216    4,347,843    4,547,710    4,623,392    4,681,470  Loans receivable   14,952,116    14,764,500    14,823,979    14,781,457    14,513,673  Allowance for credit losses   (279,944 )   (275,880 )   (312,574 )   (295,856 )   (290,294 ) Loans receivable, net   14,672,172    14,488,620    14,511,405    14,485,601    14,223,379  Bank premises and equipment, net   384,843    386,322    388,776    383,691    389,618  Foreclosed assets held for sale   39,680    43,407    43,040    41,347    30,650  Cash value of life insurance   221,621    219,786    219,353    218,198    215,424  Accrued interest receivable   115,983    120,129    118,871    120,984    119,029  Deferred tax asset, net   170,120    186,697    176,629    195,041    202,882  Goodwill   1,398,253    1,398,253    1,398,253    1,398,253    1,398,253  Core deposit intangible   38,280    40,327    42,395    44,490    46,630  Other assets   376,030    345,292    352,583    350,192    347,928  Total assets  $ 22,992,203   $ 22,490,748   $ 22,823,117   $ 22,919,905   $ 22,835,721   LIABILITIES AND STOCKHOLDERS' EQUITY  Liabilities  Deposits:  Demand and non-interest-bearing  $ 4,079,289   $ 4,006,115   $ 3,937,168   $ 4,068,302   $ 4,115,603  Savings and interest-bearing transaction accounts   11,586,106    11,347,850    10,966,426    11,150,516    11,047,258  Time deposits   1,876,096    1,792,332    1,802,116    1,736,985    1,703,269  Total deposits   17,541,491    17,146,297    16,705,710    16,955,803    16,866,130  Securities sold under agreements to repurchase   161,401    162,350    179,416    137,996    176,107  FHLB and other borrowed funds   600,500    600,750    1,300,750    1,301,050    1,301,050  Accrued interest payable and other liabilities   207,154    181,080    238,058    230,011    241,345  Subordinated debentures   439,102    439,246    439,394    439,542    439,688  Total liabilities   18,949,648    18,529,723    18,863,328    19,064,402    19,024,320   Stockholders' equity  Common stock   1,982    1,989    1,989    1,997    2,008  Capital surplus   2,246,312    2,272,794    2,272,100    2,295,893    2,326,824  Retained earnings   2,018,801    1,942,350    1,880,562    1,819,412    1,753,994  Accumulated other comprehensive loss   (224,540 )   (256,108 )   (194,862 )   (261,799 )   (271,425 ) Total stockholders' equity   4,042,555    3,961,025    3,959,789    3,855,503    3,811,401  Total liabilities and stockholders' equity  $ 22,992,203   $ 22,490,748   $ 22,823,117   $ 22,919,905   $ 22,835,721

Home BancShares, Inc.  Consolidated Statements of Income  (Unaudited)   Quarter Ended   Three Months Ended (In thousands)  Mar. 31, 2025  Dec. 31, 2024  Sep. 30, 2024  Jun. 30, 2024  Mar. 31, 2024  Mar. 31, 2025  Mar. 31, 2024 Interest income:  Loans  $ 270,784   $ 278,409   $ 281,977   $ 274,324   $ 265,294   $ 270,784   $ 265,294  Investment securities  Taxable   27,433    28,943    31,006    32,587    33,229    27,433    33,229  Tax-exempt   7,650    7,704    7,704    7,769    7,803    7,650    7,803  Deposits - other banks   6,620    7,585    12,096    12,564    10,528    6,620    10,528  Federal funds sold   55    73    62    59    61    55    61  Total interest income   312,542    322,714    332,845    327,303    316,915    312,542    316,915  Interest expense:  Interest on deposits   86,786    90,564    97,785    95,741    92,548    86,786    92,548  Federal funds purchased   —    —    1    —    —    —    —  FHLB and other borrowed funds   5,902    9,541    14,383    14,255    14,276    5,902    14,276  Securities sold under agreements to repurchase   1,074    1,346    1,335    1,363    1,404    1,074    1,404  Subordinated debentures   4,124    4,121    4,121    4,122    4,097    4,124    4,097  Total interest expense   97,886    105,572    117,625    115,481    112,325    97,886    112,325  Net interest income   214,656    217,142    215,220    211,822    204,590    214,656    204,590  Provision for credit losses on loans   —    16,700    18,200    8,000    5,500    —    5,500  Provision for (recovery of) credit losses on unfunded commitments   —    —    1,000    —    (1,000 )   —    (1,000 ) (Recovery of) provision for credit losses on investment securities   —    —    (330 )   —    —    —    —  Total credit loss expense   —    16,700    18,870    8,000    4,500    —    4,500  Net interest income after credit loss expense   214,656    200,442    196,350    203,822    200,090    214,656    200,090  Non-interest income:  Service charges on deposit accounts   9,650    9,935    9,888    9,714    9,686    9,650    9,686  Other service charges and fees   10,689    11,651    10,490    10,679    10,189    10,689    10,189  Trust fees   4,760    4,526    4,403    4,722    5,066    4,760    5,066  Mortgage lending income   3,599    3,518    4,437    4,276    3,558    3,599    3,558  Insurance commissions   535    483    595    565    508    535    508  Increase in cash value of life insurance   1,842    1,215    1,161    1,279    1,195    1,842    1,195  Dividends from FHLB, FRB, FNBB & other   2,718    2,820    2,637    2,998    3,007    2,718    3,007  Gain on SBA loans   288    218    145    56    198    288    198  (Loss) gain on branches, equipment and other assets, net   (163 )   26    32    2,052    (8 )   (163 )   (8 ) (Loss) gain on OREO, net   (376 )   (2,423 )   85    49    17    (376 )   17  Fair value adjustment for marketable securities   442    850    1,392    (274 )   1,003    442    1,003  Other income   11,442    8,403    7,514    6,658    7,380    11,442    7,380  Total non-interest income   45,426    41,222    42,779    42,774    41,799    45,426    41,799  Non-interest expense:  Salaries and employee benefits   61,855    60,824    58,861    60,427    60,910    61,855    60,910  Occupancy and equipment   14,425    14,526    14,546    14,408    14,551    14,425    14,551  Data processing expense   8,558    9,324    9,088    8,935    9,147    8,558    9,147  Other operating expenses   28,090    27,536    27,550    29,415    26,888    28,090    26,888  Total non-interest expense   112,928    112,210    110,045    113,185    111,496    112,928    111,496  Income before income taxes   147,154    129,454    129,084    133,411    130,393    147,154    130,393  Income tax expense   31,945    28,890    29,046    31,881    30,284    31,945    30,284  Net income  $ 115,209   $ 100,564   $ 100,038   $ 101,530   $ 100,109   $ 115,209   $ 100,109

Home BancShares, Inc. Selected Financial Information (Unaudited)  Quarter Ended  Three Months Ended (Dollars and shares in thousands, except per share data)  Mar. 31, 2025  Dec. 31, 2024  Sep. 30, 2024  Jun. 30, 2024  Mar. 31, 2024  Mar. 31, 2025  Mar. 31, 2024 PER SHARE DATA  Diluted earnings per common share  $ 0.58   $ 0.51   $ 0.50   $ 0.51   $ 0.50   $ 0.58   $ 0.50  Diluted earnings per common share, as adjusted (non-GAAP)(1)    0.56    0.50    0.50    0.52    0.49    0.56    0.49  Basic earnings per common share   0.58    0.51    0.50    0.51    0.50    0.58    0.50  Dividends per share - common   0.195    0.195    0.195    0.18    0.18    0.195    0.18  Book value per common share   20.40    19.92    19.91    19.30    18.98    20.40    18.98  Tangible book value per common share (non-GAAP)(1)   13.15    12.68    12.67    12.08    11.79    13.15    11.79   STOCK INFORMATION  Average common shares outstanding   198,657    198,863    199,380    200,319    201,210    198,657    201,210  Average diluted shares outstanding   198,852    198,973    199,461    200,465    201,390    198,852    201,390  End of period common shares outstanding   198,206    198,882    198,879    199,746    200,797    198,206    200,797   ANNUALIZED PERFORMANCE METRICS  Return on average assets (ROA)   2.07 %   1.77 %   1.74 %   1.79 %   1.78 %   2.07 %   1.78 % Return on average assets, as adjusted: (ROA, as adjusted) (non-GAAP)(1)   2.01 %   1.76 %   1.72 %   1.83 %   1.76 %   2.01 %   1.76 % Return on average assets excluding intangible amortization (non-GAAP)(1)   2.24 %   1.92 %   1.88 %   1.94 %   1.93 %   2.24 %   1.93 % Return on average assets, as adjusted, excluding intangible amortization (non-GAAP)(1)   2.18 %   1.91 %   1.86 %   1.98 %   1.91 %   2.18 %   1.91 % Return on average common equity (ROE)   11.75 %   10.13 %   10.23 %   10.73 %   10.64 %   11.75 %   10.64 % Return on average common equity, as adjusted: (ROE, as adjusted) (non-GAAP)(1)   11.41 %   10.05 %   10.12 %   10.98 %   10.54 %   11.41 %   10.54 % Return on average tangible common equity (ROTCE) (non-GAAP)(1)   18.39 %   15.94 %   16.26 %   17.29 %   17.22 %   18.39 %   17.22 % Return on average tangible common equity, as adjusted: (ROTCE, as adjusted) (non-GAAP)(1)   17.87 %   15.82 %   16.09 %   17.69 %   17.07 %   17.87 %   17.07 % Return on average tangible common equity excluding intangible amortization (non-GAAP)(1)   18.64 %   16.18 %   16.51 %   17.56 %   17.50 %   18.64 %   17.50 % Return on average tangible common equity, as adjusted, excluding intangible amortization (non-GAAP)(1)   18.12 %   16.07 %   16.34 %   17.97 %   17.34 %   18.12 %   17.34 %  (1) Calculation of this metric and the reconciliation to GAAP are included in the schedules accompanying this release.

Home BancShares, Inc. Selected Financial Information  (Unaudited)  Quarter Ended  Three Months Ended (Dollars in thousands)  Mar. 31, 2025  Dec. 31, 2024  Sep. 30, 2024  Jun. 30, 2024  Mar. 31, 2024  Mar. 31, 2025  Mar. 31, 2024  Efficiency ratio   42.22 %   42.24 %   41.42 %   43.17 %   44.22 %   42.22 %   44.22 % Efficiency ratio, as adjusted (non-GAAP)(1)   42.84 %   42.00 %   41.66 %   42.59 %   44.43 %   42.84 %   44.43 % Net interest margin - FTE (NIM)   4.44 %   4.39 %   4.28 %   4.27 %   4.13 %   4.44 %   4.13 % Fully taxable equivalent adjustment  $ 2,534   $ 2,398   $ 2,616   $ 2,628   $ 892   $ 2,534   $ 892  Total revenue (net)   260,082    258,364    257,999    254,596    246,389    260,082    246,389  Pre-tax, pre-provision, net income (PPNR) (non-GAAP)(1)   147,154    146,154    147,954    141,411    134,893    147,154    134,893  PPNR, as adjusted (non-GAAP)(1)   142,821    145,209    146,562    141,886    133,728    142,821    133,728  Pre-tax net income to total revenue (net)   56.58 %   50.11 %   50.03 %   52.40 %   52.92 %   56.58 %   52.92 % Pre-tax net income, as adjusted, to total revenue (net) (non-GAAP)(1)   54.91 %   49.74 %   49.49 %   52.59 %   52.45 %   54.91 %   52.45 % P5NR (Pre-tax, pre-provision, profit percentage) (PPNR to total revenue (net)) (non-GAAP)(1)   56.58 %   56.57 %   57.35 %   55.54 %   54.75 %   56.58 %   54.75 % P5NR, as adjusted (non-GAAP)(1)   54.91 %   56.20 %   56.81 %   55.73 %   54.28 %   54.91 %   54.28 % Total purchase accounting accretion  $ 1,378   $ 1,610   $ 1,878   $ 1,873   $ 2,772   $ 1,378   $ 2,772  Average purchase accounting loan discounts   17,493    19,090    20,832    22,788    24,820    17,493    24,820   OTHER OPERATING EXPENSES  Advertising  $ 1,928   $ 1,941   $ 1,810   $ 1,692   $ 1,654   $ 1,928   $ 1,654  Amortization of intangibles   2,047    2,068    2,095    2,140    2,140    2,047    2,140  Electronic banking expense   3,055    3,307    3,569    3,412    3,156    3,055    3,156  Directors' fees   452    356    362    423    498    452    498  Due from bank service charges   281    271    302    282    276    281    276  FDIC and state assessment   3,387    3,216    3,360    5,494    3,318    3,387    3,318  Insurance   999    900    926    905    903    999    903  Legal and accounting   3,641    2,361    1,902    2,617    2,081    3,641    2,081  Other professional fees   1,947    1,736    2,062    2,108    2,236    1,947    2,236  Operating supplies   711    711    673    613    683    711    683  Postage   503    518    522    497    523    503    523  Telephone   436    438    455    444    470    436    470  Other expense   8,703    9,713    9,512    8,788    8,950    8,703    8,950  Total other operating expenses  $ 28,090   $ 27,536   $ 27,550   $ 29,415   $ 26,888   $ 28,090   $ 26,888   (1) Calculation of this metric and the reconciliation to GAAP are included in the schedules accompanying this release.

Home BancShares, Inc. Selected Financial Information (Unaudited)  (Dollars in thousands)  Mar. 31, 2025  Dec. 31, 2024  Sep. 30, 2024  Jun. 30, 2024  Mar. 31, 2024 BALANCE SHEET RATIOS  Total loans to total deposits   85.24 %   86.11 %   88.74 %   87.18 %   86.05 % Common equity to assets   17.58 %   17.61 %   17.35 %   16.82 %   16.69 % Tangible common equity to tangible assets (non-GAAP)(1)   12.09 %   11.98 %   11.78 %   11.23 %   11.06 % .  LOANS RECEIVABLE  Real estate  Commercial real estate loans  Non-farm/non-residential  $ 5,588,681   $ 5,426,780   $ 5,496,536   $ 5,599,925   $ 5,616,965  Construction/land development   2,735,760    2,736,214    2,741,419    2,511,817    2,330,555  Agricultural   335,437    336,993    335,965    345,461    337,618  Residential real estate loans  Residential 1-4 family   1,947,872    1,956,489    1,932,352    1,910,143    1,899,974  Multifamily residential   576,089    496,484    482,648    509,091    415,926  Total real estate   11,183,839    10,952,960    10,988,920    10,876,437    10,601,038  Consumer   1,227,745    1,234,361    1,219,197    1,189,386    1,163,228  Commercial and industrial   2,045,036    2,022,775    2,084,667    2,242,072    2,284,775  Agricultural   314,323    367,251    352,963    314,600    278,609  Other   181,173    187,153    178,232    158,962    186,023  Loans receivable  $ 14,952,116   $ 14,764,500   $ 14,823,979   $ 14,781,457   $ 14,513,673   ALLOWANCE FOR CREDIT LOSSES  Balance, beginning of period  $ 275,880   $ 312,574   $ 295,856   $ 290,294   $ 288,234  Loans charged off   3,458    53,959    2,001    3,098    3,978  Recoveries of loans previously charged off   7,522    565    519    660    538  Net loans (recovered) charged off   (4,064 )   53,394    1,482    2,438    3,440  Provision for credit losses - loans   —    16,700    18,200    8,000    5,500  Balance, end of period  $ 279,944   $ 275,880   $ 312,574   $ 295,856   $ 290,294   Net (recoveries) charge-offs to average total loans   (0.11 )%   1.44 %   0.04 %   0.07 %   0.10 % Allowance for credit losses to total loans   1.87 %   1.87 %   2.11 %   2.00 %   2.00 %  NON-PERFORMING ASSETS  Non-performing loans  Non-accrual loans  $ 86,383   $ 93,853   $ 95,747   $ 78,090   $ 67,055  Loans past due 90 days or more   3,264    5,034    5,356    8,251    12,928  Total non-performing loans   89,647    98,887    101,103    86,341    79,983  Other non-performing assets  Foreclosed assets held for sale, net   39,680    43,407    43,040    41,347    30,650  Other non-performing assets   63    63    63    63    63  Total other non-performing assets   39,743    43,470    43,103    41,410    30,713  Total non-performing assets  $ 129,390   $ 142,357   $ 144,206   $ 127,751   $ 110,696   Allowance for credit losses for loans to non-performing loans   312.27 %   278.99 %   309.16 %   342.66 %   362.94 % Non-performing loans to total loans   0.60 %   0.67 %   0.68 %   0.58 %   0.55 % Non-performing assets to total assets   0.56 %   0.63 %   0.63 %   0.56 %   0.48 %  (1) Calculation of this metric and the reconciliation to GAAP are included in the schedules accompanying this release.

Home BancShares, Inc. Consolidated Net Interest Margin (Unaudited)  Three Months Ended March 31, 2025  December 31, 2024 (Dollars in thousands)  Average
Balance  Income/
Expense  Yield/
Rate  Average
Balance  Income/
Expense  Yield/
Rate ASSETS  Earning assets  Interest-bearing balances due from banks  $ 611,962  $ 6,620  4.39 %  $ 643,959  $ 7,585  4.69 % Federal funds sold   5,091   55  4.38 %   6,068   73  4.79 % Investment securities - taxable   3,179,290   27,433  3.50 %   3,291,472   28,943  3.50 % Investment securities - non-taxable - FTE   1,135,783   10,061  3.59 %   1,154,384   9,980  3.44 % Loans receivable - FTE   14,893,912   270,907  7.38 %   14,798,953   278,531  7.49 % Total interest-earning assets   19,826,038   315,076  6.45 %   19,894,836   325,112  6.50 % Non-earning assets   2,722,797       2,670,241  Total assets  $ 22,548,835      $ 22,565,077   LIABILITIES AND SHAREHOLDERS' EQUITY  Liabilities  Interest-bearing liabilities  Savings and interest-bearing transaction accounts  $ 11,402,688  $ 69,672  2.48 %  $ 11,058,959  $ 72,220  2.60 % Time deposits   1,801,503   17,114  3.85 %   1,800,618   18,344  4.05 % Total interest-bearing deposits   13,204,191   86,786  2.67 %   12,859,577   90,564  2.80 % Securities sold under agreement to repurchase   155,861   1,074  2.79 %   174,759   1,346  3.06 % FHLB and other borrowed funds   600,681   5,902  3.98 %   889,880   9,541  4.27 % Subordinated debentures   439,173   4,124  3.81 %   439,319   4,121  3.73 % Total interest-bearing liabilities   14,399,906   97,886  2.76 %   14,363,535   105,572  2.92 % Non-interest bearing liabilities  Non-interest bearing deposits   3,980,944       4,024,433  Other liabilities   190,314       226,933  Total liabilities   18,571,164       18,614,901  Shareholders' equity   3,977,671       3,950,176  Total liabilities and shareholders' equity  $ 22,548,835      $ 22,565,077  Net interest spread      3.69 %      3.58 % Net interest income and margin - FTE    $ 217,190  4.44 %    $ 219,540  4.39 %

Home BancShares, Inc. Consolidated Net Interest Margin (Unaudited)  Three Months Ended March 31, 2025  March 31, 2024 (Dollars in thousands)  Average
Balance  Income/
Expense  Yield/
Rate  Average
Balance  Income/
Expense  Yield/
Rate ASSETS  Earning assets  Interest-bearing balances due from banks  $ 611,962  $ 6,620  4.39 %  $ 801,456  $ 10,528  5.28 % Federal funds sold   5,091   55  4.38 %   5,012   61  4.90 % Investment securities - taxable   3,179,290   27,433  3.50 %   3,473,511   33,229  3.85 % Investment securities - non-taxable - FTE   1,135,783   10,061  3.59 %   1,257,861   8,642  2.76 % Loans receivable - FTE   14,893,912   270,907  7.38 %   14,487,494   265,347  7.37 % Total interest-earning assets   19,826,038   315,076  6.45 %   20,025,334   317,807  6.38 % Non-earning assets   2,722,797       2,657,925  Total assets  $ 22,548,835      $ 22,683,259   LIABILITIES AND SHAREHOLDERS' EQUITY  Liabilities  Interest-bearing liabilities  Savings and interest-bearing transaction accounts  $ 11,402,688  $ 69,672  2.48 %  $ 11,038,910  $ 75,597  2.75 % Time deposits   1,801,503   17,114  3.85 %   1,685,193   16,951  4.05 % Total interest-bearing deposits   13,204,191   86,786  2.67 %   12,724,103   92,548  2.93 % Securities sold under agreement to repurchase  155,861   1,074  2.79 %   172,024   1,404  3.28 % FHLB and other borrowed funds   600,681   5,902  3.98 %   1,301,091   14,276  4.41 % Subordinated debentures   439,173   4,124  3.81 %   439,760   4,097  3.75 % Total interest-bearing liabilities   14,399,906   97,886  2.76 %   14,636,978   112,325  3.09 % Non-interest bearing liabilities  Non-interest bearing deposits   3,980,944       4,017,659  Other liabilities   190,314       244,970  Total liabilities   18,571,164       18,899,607  Shareholders' equity   3,977,671       3,783,652  Total liabilities and shareholders' equity  $ 22,548,835      $ 22,683,259  Net interest spread      3.69 %      3.29 % Net interest income and margin - FTE    $ 217,190  4.44 %    $ 205,482  4.13 %

Home BancShares, Inc. Non-GAAP Reconciliations (Unaudited)  Quarter Ended  Three Months Ended (Dollars and shares in thousands, except per share data)  Mar. 31, 2025  Dec. 31, 2024  Sep. 30, 2024  Jun. 30, 2024  Mar. 31, 2024  Mar. 31, 2025  Mar. 31, 2024 EARNINGS, AS ADJUSTED  GAAP net income available to common shareholders (A)  $ 115,209   $ 100,564   $ 100,038   $ 101,530   $ 100,109   $ 115,209   $ 100,109  Pre-tax adjustments  FDIC special assessment   —    —    —    2,260    —    —    —  BOLI death benefits   —    (95 )   —    —    (162 )   —    (162 ) Gain on sale of building   —    —    —    (2,059 )   —    —    —  Fair value adjustment for marketable securities   (442 )   (850 )   (1,392 )   274    (1,003 )   (442 )   (1,003 ) Special income from equity investment   (3,891 )   —    —    —    —    (3,891 )   —  Total pre-tax adjustments   (4,333 )   (945 )   (1,392 )   475    (1,165 )   (4,333 )   (1,165 ) Tax-effect of adjustments   (1,059 )   (208 )   (348 )   119    (251 )   (1,059 )   (251 ) Deferred tax asset write-down   —    —    —    2,030    —    —    —  Total adjustments after-tax (B)   (3,274 )   (737 )   (1,044 )   2,386    (914 )   (3,274 )   (914 ) Earnings, as adjusted (C)  $ 111,935   $ 99,827   $ 98,994   $ 103,916   $ 99,195   $ 111,935   $ 99,195   Average diluted shares outstanding (D)   198,852    198,973    199,461    200,465    201,390    198,852    201,390   GAAP diluted earnings per share: (A/D)  $ 0.58   $ 0.51   $ 0.50   $ 0.51   $ 0.50   $ 0.58   $ 0.50  Adjustments after-tax: (B/D)   (0.02 )   (0.01 )   0.00    0.01    (0.01 )   (0.02 )   (0.01 ) Diluted earnings per common share, as adjusted: (C/D)  $ 0.56   $ 0.50   $ 0.50   $ 0.52   $ 0.49   $ 0.56   $ 0.49   ANNUALIZED RETURN ON AVERAGE ASSETS  Return on average assets: (A/E)   2.07 %   1.77 %   1.74 %   1.79 %   1.78 %   2.07 %   1.78 % Return on average assets, as adjusted: (ROA, as adjusted) ((A+D)/E)   2.01 %   1.76 %   1.72 %   1.83 %   1.76 %   2.01 %   1.76 % Return on average assets excluding intangible amortization: ((A+C)/(E-F))   2.24 %   1.92 %   1.88 %   1.94 %   1.93 %   2.24 %   1.93 % Return on average assets, as adjusted, excluding intangible amortization: ((A+C+D)/(E-F))   2.18 %   1.91 %   1.86 %   1.98 %   1.91 %   2.18 %   1.91 %  GAAP net income available to common shareholders (A)  $ 115,209   $ 100,564   $ 100,038   $ 101,530   $ 100,109   $ 115,209   $ 100,109  Amortization of intangibles (B)   2,047    2,068    2,095    2,140    2,140    2,047    2,140  Amortization of intangibles after-tax (C)   1,547    1,563    1,572    1,605    1,605    1,547    1,605  Adjustments after-tax (D)   (3,274 )   (737 )   (1,044 )   2,386    (914 )   (3,274 )   (914 ) Average assets (E)  22,548,835   22,565,077   22,893,784   22,875,949   22,683,259   22,548,835   22,683,259  Average goodwill & core deposit intangible (F)   1,437,515    1,439,566    1,441,654    1,443,778    1,445,902    1,437,515    1,445,902

Home BancShares, Inc.  Non-GAAP Reconciliations  (Unaudited)   Quarter Ended  Three Months Ended (Dollars in thousands)  Mar. 31, 2025  Dec. 31, 2024  Sep. 30, 2024  Jun. 30, 2024  Mar. 31, 2024  Mar. 31, 2025  Mar. 31, 2024 ANNUALIZED RETURN ON AVERAGE COMMON EQUITY  Return on average common equity: (A/D)   11.75 %   10.13 %   10.23 %   10.73 %   10.64 %   11.75 %   10.64 % Return on average common equity, as adjusted: (ROE, as adjusted) ((A+C)/D)   11.41 %   10.05 %   10.12 %   10.98 %   10.54 %   11.41 %   10.54 % Return on average tangible common equity: (A/(D-E))   18.39 %   15.94 %   16.26 %   17.29 %   17.22 %   18.39 %   17.22 % Return on average tangible common equity, as adjusted: (ROTCE, as adjusted) ((A+C)/(D-E))   17.87 %   15.82 %   16.09 %   17.69 %   17.07 %   17.87 %   17.07 % Return on average tangible common equity excluding intangible amortization: (B/(D-E))   18.64 %   16.18 %   16.51 %   17.56 %   17.50 %   18.64 %   17.50 % Return on average tangible common equity, as adjusted, excluding intangible amortization: ((B+C)/(D-E))   18.12 %   16.07 %   16.34 %   17.97 %   17.34 %   18.12 %   17.34 %  GAAP net income available to common shareholders (A)  $ 115,209   $ 100,564   $ 100,038   $ 101,530   $ 100,109   $ 115,209   $ 100,109  Earnings excluding intangible amortization (B)   116,756    102,127    101,610    103,135    101,714    116,756    101,714  Adjustments after-tax (C)   (3,274 )   (737 )   (1,044 )   2,386    (914 )   (3,274 )   (914 ) Average common equity (D)  3,977,671   3,950,176   3,889,712   3,805,800   3,783,652   3,977,671   3,783,652  Average goodwill & core deposits intangible (E)  1,437,515   1,439,566   1,441,654   1,443,778   1,445,902   1,437,515   1,445,902   EFFICIENCY RATIO & P5NR  Efficiency ratio: ((D-G)/(B+C+E))   42.22 %   42.24 %   41.42 %   43.17 %   44.22 %   42.22 %   44.22 % Efficiency ratio, as adjusted: ((D-G-I)/(B+C+E-H))   42.84 %   42.00 %   41.66 %   42.59 %   44.43 %   42.84 %   44.43 % Pre-tax net income to total revenue (net) (A/(B+C))   56.58 %   50.11 %   50.03 %   52.40 %   52.92 %   56.58 %   52.92 % Pre-tax net income, as adjusted, to total revenue (net) ((A+F)/(B+C))   54.91 %   49.74 %   49.49 %   52.59 %   52.45 %   54.91 %   52.45 % Pre-tax, pre-provision, net income (PPNR) (B+C-D)  $ 147,154   $ 146,154   $ 147,954   $ 141,411   $ 134,893   $ 147,154   $ 134,893  Pre-tax, pre-provision, net income, as adjusted (B+C-D+F)  $ 142,821   $ 145,209   $ 146,562   $ 141,886   $ 133,728   $ 142,821   $ 133,728  P5NR (Pre-tax, pre-provision, profit percentage) PPNR to total revenue (net)) (B+C-D)/(B+C)   56.58 %   56.57 %   57.35 %   55.54 %   54.75 %   56.58 %   54.75 % P5NR, as adjusted (B+C-D+F)/(B+C)   54.91 %   56.20 %   56.81 %   55.73 %   54.28 %   54.91 %   54.28 %  Pre-tax net income (A)  $ 147,154   $ 129,454   $ 129,084   $ 133,411   $ 130,393   $ 147,154   $ 130,393  Net interest income (B)   214,656    217,142    215,220    211,822    204,590    214,656    204,590  Non-interest income (C)   45,426    41,222    42,779    42,774    41,799    45,426    41,799  Non-interest expense (D)   112,928    112,210    110,045    113,185    111,496    112,928    111,496  Fully taxable equivalent adjustment (E)   2,534    2,398    2,616    2,628    892    2,534    892  Total pre-tax adjustments (F)   (4,333 )   (945 )   (1,392 )   475    (1,165 )   (4,333 )   (1,165 ) Amortization of intangibles (G)   2,047    2,068    2,095    2,140    2,140    2,047    2,140   Adjustments:  Non-interest income:  Fair value adjustment for marketable securities  $ 442   $ 850   $ 1,392   $ (274 )  $ 1,003   $ 442   $ 1,003  (Loss) gain on OREO   (376 )   (2,423 )   85    49    17    (376 )   17  (Loss) gain on branches, equipment and other assets, net   (163 )   26    32    2,052    (8 )   (163 )   (8 ) Special income from equity investment   3,891    —    —    —    —    3,891    —  BOLI death benefits   —    95    —    —    162    —    162  Total non-interest income adjustments (H)  $ 3,794   $ (1,452 )  $ 1,509   $ 1,827   $ 1,174   $ 3,794   $ 1,174   Non-interest expense:  FDIC special assessment   —    —    —    2,260    —    —    —  Total non-interest expense adjustments (I)  $ —   $ —   $ —   $ 2,260   $ —   $ —   $ —

Home BancShares, Inc.  Non-GAAP Reconciliations  (Unaudited)   Quarter Ended Mar. 31, 2025  Dec. 31, 2024  Sep. 30, 2024  Jun. 30, 2024  Mar. 31, 2024 TANGIBLE BOOK VALUE PER COMMON SHARE  Book value per common share: (A/B)  $ 20.40   $ 19.92   $ 19.91   $ 19.30   $ 18.98  Tangible book value per common share: ((A-C-D)/B)   13.15    12.68    12.67    12.08    11.79   Total stockholders' equity (A)  $ 4,042,555   $ 3,961,025   $ 3,959,789   $ 3,855,503   $ 3,811,401  End of period common shares outstanding (B)   198,206    198,882    198,879    199,746    200,797  Goodwill (C)   1,398,253    1,398,253    1,398,253    1,398,253    1,398,253  Core deposit and other intangibles (D)   38,280    40,327    42,395    44,490    46,630   TANGIBLE COMMON EQUITY TO TANGIBLE ASSETS  Equity to assets: (B/A)   17.58 %   17.61 %   17.35 %   16.82 %   16.69 % Tangible common equity to tangible assets: ((B-C-D)/(A-C-D))   12.09 %   11.98 %   11.78 %   11.23 %   11.06 %  Total assets (A)  $ 22,992,203   $ 22,490,748   $ 22,823,117   $ 22,919,905   $ 22,835,721  Total stockholders' equity (B)   4,042,555    3,961,025    3,959,789    3,855,503    3,811,401  Goodwill (C)   1,398,253    1,398,253    1,398,253    1,398,253    1,398,253  Core deposit and other intangibles (D)   38,280    40,327    42,395    44,490    46,630

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