HIGHBuilt-inGeographic
79.3%
Arkansas, Florida, Texas, Alabama and New York
“10-K Item 1A: 'approximately 79.3% of our total loans ... are to borrowers whose collateral is located in Arkansas, Florida, Texas, Alabama and New York'”
HOMB · Concentration risk · 10-K extracted
Home BancShares (HOMB) concentration risks
Updated
The most significant concentration Home BancShares discloses is Arkansas, Florida, Texas, Alabama and New York at 79.3%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Home BancShares’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 5 disclosed concentrations
HIGH5
MEDIUM0
LOW0
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
HIGHBuilt-inLoan_portfolio
74.1%
real estate loans
“10-K Item 1A: 'approximately 74.1% of our total loan portfolio was comprised of loans with real estate as a primary or secondary component of collateral'”
HIGHBuilt-inLoan_portfolio
53.2%
commercial real estate loans
“10-K Item 1: 'commercial real estate loans represented 53.2% and 57.6% of gross loans and 194.3% and 214.6% of total stockholders' equity, respectively'”
HIGHBuilt-inLoan_portfolio
51.6%
borrowers exceeding $40M in-house lending limit
“10-K Item 1A: '$8.1 billion, or 51.6% of our total loans, committed to the aggregate group of borrowers whose total debt exceeds the established in-house lending limit of $40.0 million'”
HIGHBuilt-inRegulatory
Federal Reserve Board
“10-K Item 1A: 'we are primarily regulated by the Federal Reserve Board ... also primarily regulated by the Federal Reserve Board and the Arkansas State Bank Department'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-06-24The company's concentration profile is dominated by structural geographic and loan-portfolio exposures that are characteristic of a regionally focused community bank. Approximately 79.3% of total loans are extended to borrowers whose collateral is located in Arkansas, Florida, Texas, Alabama, and New York — a high-share geographic concentration that anchors credit performance to the economic conditions and real estate cycles of those specific markets. Approximately 74.1% of the total loan portfolio is comprised of loans with real estate as a primary or secondary component of collateral, making the portfolio highly sensitive to property values and real estate market conditions. Within the real estate book, commercial real estate loans represent 53.2% of gross loans — a high-share structural concentration that is common in community banking but nonetheless concentrates credit risk in a single asset class with its own cyclical dynamics. The portfolio's large-borrower dimension is also disclosed: approximately 51.6% of total loans are committed to the aggregate group of borrowers whose total debt exceeds the established in-house lending limit of $40.0 million, meaning more than half the book is composed of relationships at the upper end of the credit facility spectrum. Regulatory oversight by the Federal Reserve Board adds a structural governance dimension but does not independently create concentration risk. Together, the geographic, collateral, property-type, and large-borrower dimensions reinforce each other and represent a compounding, high-share concentration in commercial real estate credit.
For the engine’s reasoning on HOMB’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| HOMB● | Home BancShares, Inc. | 5 | 0 | 0 | 5 |
| ASB | Associated Banc-Corp | 2 | 3 | 0 | 5 |
| BANC | Banc of California, Inc. | 2 | 0 | 0 | 2 |
| AX | Axos Financial, Inc. | 1 | 1 | 0 | 2 |
| AUB | Atlantic Union Bankshares Corpo | 0 | 3 | 0 | 3 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.