Home BancShares is a bank holding company headquartered in Conway, Arkansas. Its banking subsidiary, Centennial Bank, operates 218 branches across Arkansas, Florida, Texas, Alabama, and New York City, serving small and mid-sized businesses, real estate developers, individuals, and municipalities. The core business is lending, with a heavy focus on commercial real estate, which represents roughly 53% of the total loan portfolio. Beyond community banking, Home BancShares runs two national specialty lending platforms: Centennial Commercial Finance Group (CCFG), a CRE and C&I lending platform operating out of NYC with loan production offices in LA and Dallas; and Shore Premier Finance (SPF), a marine lending platform focused on high-end yacht loans. Home BancShares also operates GoldStar Trust, a trust and wealth management business with roughly $7.46B in assets under management and custody. Like most commercial banks, Home BancShares earns money on the spread between deposit funding costs and loan yields. The company runs an efficiency ratio of around 42%, which is lean relative to peers, and targets a ~2% ROA. Home BancShares has grown primarily through acquisitions, having bought 23 banks since 1998. The strategy centers on acquiring underperforming community banks, integrating them into Centennial Bank's operating model, and lifting returns toward the 2% ROA target. The company is actively seeking acquisition targets in the $2B–$6B asset range, with a geographic preference for Tennessee, Texas, Arkansas, Florida, and Alabama.