Home BancShares, Inc. is a bank holding company. The company is primarily engaged in providing a range of commercial and retail banking and related financial services to businesses, real estate developers and investors, individuals and municipalities through its wholly owned community bank subsidiary, Centennial Bank (the Bank). The Bank has locations in Arkansas, Florida and South Alabama. The Company provides loans to single and multi-family real estate, residential construction and commercial buildings. In addition, it also makes loans to small and medium-sized commercial businesses, as well as to consumers. Securities held to maturity include any security for which the Company has the positive intent and ability to hold until maturity. It offers a range of deposit services, including checking, savings, money market accounts and certificates of deposit. The Company obtains its deposits from individuals and small businesses and municipalities in its market areas.