Home BancShares, Inc. (NYSE: HOMB) announced its third‑quarter 2025 earnings on October 16, 2025, reporting record net income of $123.6 million, or $0.63 diluted earnings per share. Adjusted net income reached $119.7 million, or $0.61 per share, underscoring the company’s continued profitability growth.
The company’s net interest margin expanded to 4.56% in Q3, up from 4.44% in Q2, while the yield on loans rose to 7.39% from 7.36%. Interest‑bearing deposit rates fell to 2.62% from 2.64%, contributing to the margin improvement. Total credit‑loss expense for the quarter was $3.5 million, supported by $6.7 million in loan loss provisions and recoveries of $1.0 million and $2.2 million on unfunded commitments and investment securities.
Operationally, Home BancShares achieved an efficiency ratio of 40.21% in Q3, a notable improvement from 42.01% in Q2, reflecting tighter cost control. Loans increased to $15.29 billion, a record, while deposits declined to $17.33 billion. Non‑performing loans fell to 0.56% of total loans, and the company completed the payoff of its $140 million 5.50% Fixed‑to‑Floating Rate Subordinated Notes due 2030, reducing debt‑related interest expense.
The company will hold a conference call at 1:00 p.m. CT on Thursday, October 16, 2025, to discuss the results. Home BancShares also maintained its quarterly dividend of $0.20 per share and opened a new branch in San Antonio, Texas, during the quarter.
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