Home BancShares, Inc. operates as the bank holding company for Centennial Bank that provides commercial and retail banking, and related financial services to businesses, real estate developers and investors, individuals, and municipalities. Its deposit products include checking, savings, and money market accounts, as well as certificates of deposit. The companys loan portfolio comprises non-farm/non-residential real estate, construction/land development, residential mortgage, consumer, and commercial and industrial loans. It also provides Internet banking, mobile banking, voice response information, cash management, overdraft protection, direct deposit, safe deposit boxes, the United States savings bonds, and automatic account transfer services. Further, the company writes policies for commercial and personal lines of business, including insurance for property, casualty, life, health, and employee benefits; and offers trust services focusing primarily on personal trusts, corporate trusts, and employee benefit trusts. As of December 31, 2015, it operated through 79 branches in Arkansas, 61 branches in Florida, 6 branches in Alabama, and a loan production office in New York City. Home BancShares, Inc. was founded in 1998 and is headquartered in Conway, Arkansas.