# Home BancShares Reports Record Q3 Net Income of $129.5 Million

- URL: https://stocks.freetheai.org/news/home-bancshares-reports-record-q3-net-income-of-129-5-million-14e2c9
- Published: 2026-10-14T21:15:00Z
- Category: earnings; sentiment: mixed; impact: medium
- Symbols: [NYSE:HOMB](https://stocks.freetheai.org/symbols/NYSE-HOMB)
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Home BancShares, Inc. (HOMB) delivered record profitability in the third quarter, posting net income of $129.5 million and diluted earnings per share of $0.65. Earnings were buoyed by an expanding net interest margin, which rose to 4.53% from 4.51% in the second quarter, along with a tight efficiency ratio of 40.78%.

Strong profitability helped counter sequential contraction across the bank's balance sheet. Total loans fell to $16.91 billion from $17.13 billion in the prior quarter, while total deposits decreased to $18.76 billion from $19.11 billion. Credit metrics also showed slight weakness as non-performing loans climbed to 1.19% of loans from 1.08%.

Going forward, investors will watch whether the financial institution can stabilize loan and deposit volumes. Restoring balance sheet growth and maintaining credit quality will be critical to sustaining earnings performance.

## Key points

- Home BancShares earned record third-quarter net income of $129.5 million, with diluted earnings per share of $0.65.
- Net interest margin expanded to 4.53% in the third quarter, up from 4.51% in the prior quarter.
- Total loans decreased to $16.91 billion and total deposits dropped to $18.76 billion quarter-over-quarter.
- Non-performing loans increased to 1.19% of total loans, compared to 1.08% in the previous quarter.

## Questions and answers

### What were Home BancShares Q3 earnings?

Home BancShares reported record third-quarter net income of $129.5 million and diluted earnings per share of $0.65.

### How did Home BancShares loan and deposit levels change in Q3?

Total loans fell to $16.91 billion from $17.13 billion in the previous quarter, while total deposits decreased to $18.76 billion from $19.11 billion.

### What was Home BancShares net interest margin in Q3?

The bank's net interest margin rose to 4.53% in the third quarter, compared to 4.51% in the second quarter.