# Home BancShares (Centennial Bank) competitors: and the alternatives

Source: https://www.bankingnewsai.com/banks/home-bancshares/competitors
Last updated: Oct 20, 2026

*Part of the [Home BancShares (Centennial Bank) AI strategy profile](https://www.bankingnewsai.com/banks/home-bancshares). Peer group: Simmons First National Corporation, Bank OZK, Arvest Bank, Seacoast Banking Corporation of Florida, BankUnited, Hancock Whitney, Prosperity Bancshares, First Financial Bankshares.*

## Who are Home BancShares (Centennial Bank)'s competitors, and what are the alternatives?

Home BancShares' 2025 10-K, filed February 27, 2026, says many commercial banks, savings institutions and credit unions have offices in Centennial's markets, 'including some of the largest banks in the country', and that competitors may make broader use of electronic technology than it does; its risk factors add mortgage firms, consumer finance companies, brokerages, insurers and money market funds. Centennial ran 226 branches after closing Mountain Commerce on April 1, 2026: 78 in Florida, 75 in Arkansas, 59 in Texas, eight in Tennessee, five in South Alabama and one in New York City. On October 15, 2026 Centennial's CEO said 'competition is fierce in all of our markets, Texas, Arkansas, Alabama, Florida'. In Arkansas the rivals are Simmons, Arvest and Bank OZK, all similar in size; in Florida, Seacoast, with 104 offices in Florida and Georgia, BankUnited and Hancock Whitney, which bought Orlando's One Florida Bank in August 2026; in Texas, Prosperity and First Financial Bankshares, whose Abilene and Lubbock markets overlap Centennial's West Texas counties. Its Centennial CFG division lends nationally from Los Angeles, Miami and Dallas, where the 10-K says non-bank competitors with lighter regulation have funding advantages. In everyday banking, Chime and SoFi sell branchless accounts, and Block lists banks among Square's competitors. ([Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm), [Home BancShares (GlobeNewswire via Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/home-bancshares-inc-announces-completion-121500941.html), [The Motley Fool](https://fool.com/earnings/call-transcripts/2026/10/16/home-bancshares-homb-q3-2026-earnings-call-transcript), [Simmons First National (SEC filings)](https://www.sec.gov/Archives/edgar/data/90498/000162828026011618/sfnc-20251231.htm), [Baker Hill (PR Newswire)](https://prnewswire.com/news-releases/arvest-bank-deepens-three-decade-partnership-with-baker-hill-upgrades-to-unfy-platform-to-advance-small-business-lending-302682843.html), [Bank OZK](https://ir.ozk.com/static-files/85bc2c70-5e10-4a19-978d-44b39d79d6fa), [Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026012787/sbcf-20251231.htm), [Business Wire via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/hancock-whitney-completes-one-florida-123000979.html), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/07/IP-2Q26-Final_51ca22.pdf), [First Financial Bankshares (PR Newswire)](https://www.prnewswire.com/news-releases/first-financial-bankshares-announces-second-quarter-2026-earnings-302827948.html), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results), [Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm))

## What does Centennial Bank say about its competition?

"Many other commercial banks, savings institutions and credit unions have offices in our primary market areas. These institutions include many of the largest banks operating in these respective states, including some of the largest banks in the country. Many of our competitors serve the same counties we do. Our competitors often have greater resources, have broader geographic markets, have higher lending limits, offer various services that we may not currently offer and may better afford and make broader use of media advertising, support services and electronic technology than we do. To offset these competitive disadvantages, we depend on our reputation as having greater personal service, consistency, and flexibility and the ability to make credit and other business decisions quickly." ([Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm))

From the risk factors of the same 10-K: "We face substantial competition in all phases of our operations from a variety of different competitors. We experience strong competition, not only from commercial banks, savings and loan associations and credit unions, but also from mortgage banking firms, consumer finance companies, securities brokerage firms, insurance companies, money market funds and other financial services providers operating in or near our market areas. We compete with these institutions both in attracting deposits and in making loans." ([Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm))

"Many of our competitors are much larger national and regional financial institutions. We may face a competitive disadvantage against them as a result of our smaller size and resources and our lack of geographic diversification. [...] Many of our competitors are not subject to the same degree of regulation that we are as an FDIC-insured institution, which gives them greater operating flexibility and reduces their expenses relative to ours. As a result, these non-bank competitors have certain advantages over us in accessing funding and in providing various services." ([Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm))

"We also compete against community banks that have strong local ties. These smaller institutions are likely to cater to the same small and mid-sized businesses that we target and to use a relationship-based approach similar to ours. In addition, our competitors may seek to gain market share by pricing below the current market rates for loans and paying higher rates for deposits." (2025 Form 10-K, filed February 27, 2026.) ([Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm))

## Who competes with Centennial Bank in each of its businesses?

| Business line | Competitor | Type | Why it competes |
| --- | --- | --- | --- |
| Home region: Arkansas | [Simmons Bank](https://www.bankingnewsai.com/banks/simmons) | Bank | An Arkansas bank of about the same size with roughly 222 financial centers in Arkansas, Kansas, Missouri, Oklahoma, Tennessee and Texas, three of them Centennial states; Simmons lists Home BancShares in its 2026 proxy compensation peer group. ([Simmons First National (SEC filings)](https://www.sec.gov/Archives/edgar/data/90498/000162828026011618/sfnc-20251231.htm), [Simmons First National (SEC filings)](https://www.sec.gov/Archives/edgar/data/90498/000119312526146412/d74667ddef14a.htm)) |
| Home region: Arkansas | [Arvest Bank](https://www.bankingnewsai.com/banks/arvest) | Bank | Fayetteville, Arkansas-based Arvest serves more than 110 communities across Arkansas, Kansas, Missouri and Oklahoma and had $28.05 billion of assets at June 30, 2026, against Home's $22.88 billion at December 31, 2025. ([Baker Hill (PR Newswire)](https://prnewswire.com/news-releases/arvest-bank-deepens-three-decade-partnership-with-baker-hill-upgrades-to-unfy-platform-to-advance-small-business-lending-302682843.html), [FDIC](https://api.fdic.gov/banks/financials?filters=CERT%3A8728&fields=REPDTE%2CASSET%2CDEP%2CNUMEMP%2CNETINC&sort_by=REPDTE&sort_order=DESC&limit=4), [Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm)) |
| Home region: Arkansas | [Bank OZK](https://www.bankingnewsai.com/banks/bank-ozk) | Bank | Little Rock-based Bank OZK operates 268 offices in nine states (March 31, 2026) and, like Centennial, runs a large real-estate lending book; it ran a 39.2% efficiency ratio in Q2 2026, close to Home's. ([Bank OZK](https://ir.ozk.com/static-files/85bc2c70-5e10-4a19-978d-44b39d79d6fa), [Bank OZK](https://ir.ozk.com/news-releases/news-release-details/bank-ozk-announces-second-quarter-2026-earnings), [Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm)) |
| Florida and the Gulf Coast | [Seacoast Bank](https://www.bankingnewsai.com/banks/seacoast) | Bank | Seacoast had 104 branch offices in Florida and Georgia at December 31, 2025, after buying the bank of The Villages, against Centennial's 78 Florida branches. ([Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026012787/sbcf-20251231.htm), [Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000073070825000204/sbcfpressrelease20251001.htm), [Home BancShares (GlobeNewswire via Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/home-bancshares-inc-announces-completion-121500941.html)) |
| Florida and the Gulf Coast | [BankUnited](https://www.bankingnewsai.com/banks/bankunited) | Bank | A Miami Lakes-based bank with $35.4 billion of assets (March 31, 2026) competing for Florida commercial and small-business deposits; its January 2026 research found 23% of surveyed small businesses would switch banks over security and fraud concerns. ([BankUnited](https://ir.bankunited.com/node/13726/pdf), [BankUnited](https://bankunited.com/all-resources/why-security-will-be-the-deciding-factor-for-smb-banking-in-2026)) |
| Florida and the Gulf Coast | [Hancock Whitney](https://www.bankingnewsai.com/banks/hancock-whitney) | Bank | Hancock Whitney bought Orlando's One Florida Bank for $377.6 million in cash, closing on August 1, 2026, and runs a Gulf Coast franchise; Centennial's Florida counties include Bay, Escambia and Okaloosa on the Gulf, and it has branches in Baldwin County, Alabama. ([American Banker](https://www.americanbanker.com/news/hancock-whitney-inks-deal-to-buy-orlando-community-bank), [Business Wire via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/hancock-whitney-completes-one-florida-123000979.html), [Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm)) |
| Texas and commercial lending | [Prosperity Bank](https://www.bankingnewsai.com/banks/prosperity) | Bank | Houston-based Prosperity claims a strong presence in Texas and Oklahoma and had 363 locations after closing Stellar on July 1, 2026; Centennial has 59 Texas branches, including in Dallas, Tarrant, Travis and Bexar counties. ([Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/07/IP-2Q26-Final_51ca22.pdf), [Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm), [Home BancShares (GlobeNewswire via Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/home-bancshares-inc-announces-completion-121500941.html)) |
| Texas and commercial lending | [First Financial Bankshares](https://www.bankingnewsai.com/banks/first-financial-bankshares) | Bank | Abilene-based First Financial has 81 Texas locations; Centennial's Texas counties include Taylor (Abilene) and Lubbock, and both banks run lean, at 45.94% and 40.84% efficiency ratios in Q2 and Q3 2026. ([First Financial Bankshares (PR Newswire)](https://www.prnewswire.com/news-releases/first-financial-bank-to-open-first-full-service-branch-in-austin-area-with-new-bee-cave-branch-302893317.html), [Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm), [First Financial Bankshares (PR Newswire)](https://www.prnewswire.com/news-releases/first-financial-bankshares-announces-second-quarter-2026-earnings-302827948.html), [The Motley Fool](https://fool.com/earnings/call-transcripts/2026/10/16/home-bancshares-homb-q3-2026-earnings-call-transcript)) |
| Texas and commercial lending | Non-bank lenders and private credit | Non-bank lender | Home's 10-K says competitors not subject to the same regulation as an FDIC-insured bank 'have certain advantages over us in accessing funding and in providing various services'; its Centennial CFG division lends from offices in Los Angeles, Miami and Dallas. ([Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm)) |
| Consumer and mortgage lending | Mortgage banking firms and consumer finance companies | Non-bank lender | Named in Home's risk factors as competitors 'both in attracting deposits and in making loans'; Home's Shore Premier Finance division originates marine loans and services a yacht portfolio it bought from LendingClub Bank in 2022. ([Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm)) |
| Consumer and mortgage lending | [Chime](https://www.bankingnewsai.com/fintech/chime) | Fintech | A branchless competitor for everyday checking; Chime's 10-K claims a significant cost advantage over traditional banks, and it had 10.4 million active members at June 30, 2026. Home's 10-K says rivals may make broader use of electronic technology. ([Chime via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results), [Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm)) |
| Small business banking and payments | [Square (Block)](https://www.bankingnewsai.com/fintech/block) | Payments company | Block's 10-K lists 'banks that provide payment processing, checking, savings, loans, and payroll' among Square's competitors; Home's 10-K says community banks and larger rivals target the same small and mid-sized businesses it does. ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm), [Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm)) |
| Small business banking and payments | Community banks with strong local ties | Bank | Home's 10-K says smaller institutions 'are likely to cater to the same small and mid-sized businesses that we target and to use a relationship-based approach similar to ours', and may price loans below market or pay more for deposits. ([Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm)) |

## How do the AI and digital offerings of Centennial Bank's competitors compare?

Centennial Bank first, then each competitor. Use-case counts, index scores and latest moves are computed from our profiles of each company; "No profile" means this site has no page on it yet.

| Company | AI or digital offering | On the record (our profiles) | Latest dated AI move |
| --- | --- | --- | --- |
| [Home BancShares (Centennial Bank) (this page)](https://www.bankingnewsai.com/banks/home-bancshares) | Not disclosed | [Index 3.5 (#108); 10 use cases, 7 in production](https://www.bankingnewsai.com/banks/home-bancshares) | Q3 2026 call: Mountain Commerce conversion set for 6 November (Oct 15, 2026) ([earnings call transcript (The Motley Fool)](https://www.fool.com/earnings/call-transcripts/2026/10/16/home-bancshares-homb-q3-2026-earnings-call-transcript)) |
| [Simmons Bank](https://www.bankingnewsai.com/banks/simmons) | Mobile-deposit customer scoring with Jack Henry: fraud losses down 96% ([Jack Henry](https://www.jackhenry.com/resources/case-study/simmons-bank-changes-game-with-mobile-deposit-scoring)) | [Index 3.6 (#106); 10 use cases, 8 in production](https://www.bankingnewsai.com/banks/simmons) | Q3 2026 call: technology and automation 'barely scratching the surface' (Oct 16, 2026) ([earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/10/16/simmons-first-sfnc-q3-2026-earnings-call-transcript)) |
| [Arvest Bank](https://www.bankingnewsai.com/banks/arvest) | Google Cloud migration with AI tools named for contact-center insights and commercial lending documents ([Arvest Bank](https://arvest.com/about/newsroom/arvest-bank-announces-collaboration-with-google-cloud)) | [Index 37.2 (#79); 11 use cases, 4 in production](https://www.bankingnewsai.com/banks/arvest) | Security engineer on agentic-AI risk (May 5, 2026) ([Trent AI (Business Wire)](https://www.businesswire.com/news/home/20260505309646/en/Trent-AI-Announces-AI-Security-Maturity-Model-for-Agentic-Era)) |
| [Bank OZK](https://www.bankingnewsai.com/banks/bank-ozk) | Co-developing Fiserv agentOS AI agents (May 2026) ([Fiserv (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/05/14/3294727/0/en/fiserv-launches-agentos-the-operating-system-for-agentic-ai-in-banking.html)) | [Index 29.5 (#89); 8 use cases, 4 in production](https://www.bankingnewsai.com/banks/bank-ozk) | U.S. Bank hires from Bank OZK for its Sun Belt push (Aug 31, 2026) ([American Banker](https://www.americanbanker.com/news/u-s-banks-business-banking-expansion-targets-the-sun-belt)) |
| [Seacoast Bank](https://www.bankingnewsai.com/banks/seacoast) | Quavo agentic-AI dispute management; Abrigo generative-AI loan review assistant ([Quavo (GlobeNewswire)](https://globenewswire.com/news-release/2025/12/09/3202154/0/en/Seacoast-Bank-and-Quavo-Partner-to-Enhance-Dispute-Operations-and-Reduce-Fraud-Losses.html), [Abrigo](https://www.abrigo.com/success-stories/seacoast-bank-cuts-complex-loan-review-documentation-time-nearly-in-half-with-abrigo-loan-review-assistant/)) | [Index 42.1 (#67); 11 use cases, 10 in production](https://www.bankingnewsai.com/banks/seacoast) | Abrigo publishes Seacoast loan-review AI case study (Oct 8, 2026) ([Abrigo](https://www.abrigo.com/success-stories/seacoast-bank-cuts-complex-loan-review-documentation-time-nearly-in-half-with-abrigo-loan-review-assistant/)) |
| [BankUnited](https://www.bankingnewsai.com/banks/bankunited) | SAVI internal assistant on Anthropic's Claude via Amazon Bedrock (AWS case study) ([Amazon Web Services](https://aws.amazon.com/solutions/case-studies/bankunited-case-study/)) | [Index 63.5 (#44); 15 use cases, 10 in production](https://www.bankingnewsai.com/banks/bankunited) | Q2 2026 10-Q has no AI discussion (Aug 6, 2026) ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000079/bku-20260630.htm)) |
| [Hancock Whitney](https://www.bankingnewsai.com/banks/hancock-whitney) | MX-powered mobile app, rated sixth best among banks and credit unions per an MX session description ([American Banker](https://digital-banking.americanbanker.com/profile/pam-hymel)) | [Index 37.4 (#78); 11 use cases, 5 in production](https://www.bankingnewsai.com/banks/hancock-whitney) | 'AI is raising business cyber risk' guidance (Sep 9, 2026) ([Hancock Whitney](https://www.hancockwhitney.com/insights/5-critical-cybersecurity-questions-to-ask-your-it-team-or-service-provider)) |
| [Prosperity Bank](https://www.bankingnewsai.com/banks/prosperity) | Real-time core (converted February 2026) ([Prosperity Bank](https://prosperitybankusa.com/system-upgrade), [Prosperity Bank](https://www.prosperitybankusa.com/wp-content/uploads/2026/02/DNA-Core-Upgrade-4-page-letter.pdf), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/06/Earnings-Release_Q1-2026_2.pdf), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/07/IP-2Q26-Final_51ca22.pdf), [American Banker](https://www.americanbanker.com/news/prosperity-to-acquire-rival-houston-bank-in-2-billion-deal), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html)) | [Index 40 (#71); 8 use cases, 4 in production](https://www.bankingnewsai.com/banks/prosperity) | Q2 2026 10-Q repeats the AI risk bullet (Aug 6, 2026) ([Prosperity Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1068851/000119312526338254/pb-20260630.htm)) |
| [First Financial Bankshares](https://www.bankingnewsai.com/banks/first-financial-bankshares) | Not disclosed | [Index 0.9 (#120); 1 use cases, 0 in production](https://www.bankingnewsai.com/banks/first-financial-bankshares) | First full-service Austin-area branch (Sep 29, 2026) ([First Financial Bankshares (PR Newswire)](https://www.prnewswire.com/news-releases/first-financial-bank-to-open-first-full-service-branch-in-austin-area-with-new-bee-cave-branch-302893317.html)) |
| Non-bank lenders and private credit | Not disclosed | No profile | Not disclosed |
| Mortgage banking firms and consumer finance companies | Not disclosed | No profile | Not disclosed |
| [Chime](https://www.bankingnewsai.com/fintech/chime) | Jade, an in-app AI financial partner available to some members ([Chime](https://help.chime.com/manage-money-56350c4d/jade-financial-partner-09a6e8e3/what-is-jade-financial-partner-d9c77341)) | [8 use cases, 6 in production](https://www.bankingnewsai.com/fintech/chime) | Agreement to acquire Stride Bank (Sep 8, 2026) ([Chime](https://investors.chime.com/news-releases/news-release-details/chime-announces-agreement-acquire-stride-bank)) |
| [Square (Block)](https://www.bankingnewsai.com/fintech/block) | Managerbot, an AI business agent for Square sellers ([Square](https://squareup.com/us/en/press/managerbot-open-beta)) | [7 use cases, 6 in production](https://www.bankingnewsai.com/fintech/block) | Q2 2026: Moneybot passes 1 million weekly engaged accounts (Aug 5, 2026) ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000119312526335117/d91486dex991.htm)) |
| Community banks with strong local ties | Not disclosed | No profile | Not disclosed |

## Who should look beyond Centennial Bank, and where?

| If you are | Look at | Why |
| --- | --- | --- |
| People who need branches outside Arkansas, Florida, Texas, Tennessee, South Alabama and New York City | [A national bank such as JPMorgan Chase or Bank of America](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Centennial's 226 branches are in those markets. Chase reported 5,083 branches in 2025, and Bank of America runs 3,500 financial centers in more than 100 US markets. ([Home BancShares (GlobeNewswire via Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/home-bancshares-inc-announces-completion-121500941.html), [JPMorgan Chase & Co. (SEC filings)](https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html)) |
| Customers who want an AI assistant inside the banking app | [Bank of America (Erica) or SoFi (SoFi Coach)](https://www.bankingnewsai.com/banks/bank-of-america) | Home discloses no customer AI. Bank of America says Erica helps more than 24.6 million clients, and SoFi runs Coach and Cash Coach AI guidance in its app for 15.8 million members. ([Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606020900BIZWIRE_USPRX____20260602_BW942219-1), [Business Wire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607290700BIZWIRE_USPRX____20260729_BW569583-1)) |
| Customers who want a branchless, app-only account | [Chime](https://www.bankingnewsai.com/fintech/chime) | Centennial is a branch bank. Chime's model avoids branches and ATMs, it had 10.4 million active members at June 30, 2026, and some members can use Jade, its in-app AI financial partner. ([Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm), [Chime via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results), [Chime](https://help.chime.com/manage-money-56350c4d/jade-financial-partner-09a6e8e3/what-is-jade-financial-partner-d9c77341)) |
| Florida customers who want a bank that has disclosed AI in fraud disputes | [Seacoast Bank](https://www.bankingnewsai.com/banks/seacoast) | Seacoast adopted Quavo's agentic-AI dispute platform in December 2025 to detect fraud and speed resolution, and its 104 offices cover Florida and Georgia. Home discloses no AI in fraud or disputes. ([Quavo (GlobeNewswire)](https://globenewswire.com/news-release/2025/12/09/3202154/0/en/Seacoast-Bank-and-Quavo-Partner-to-Enhance-Dispute-Operations-and-Reduce-Fraud-Losses.html), [Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026012787/sbcf-20251231.htm), [Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm)) |
| Customers who want branches across Florida and Georgia | [Seacoast Bank](https://www.bankingnewsai.com/banks/seacoast) | Seacoast had 104 branch offices in Florida and Georgia at December 31, 2025; Centennial's 78 Florida branches span counties from the Panhandle (Bay, Escambia) to Tampa Bay, South Florida and the Keys (Monroe), per its 10-K, and it has no Georgia branches. ([Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026012787/sbcf-20251231.htm), [Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm), [Home BancShares (GlobeNewswire via Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/home-bancshares-inc-announces-completion-121500941.html)) |
| Small businesses in Arkansas that want a digital loan application | [Arvest Bank](https://www.bankingnewsai.com/banks/arvest) | Arvest moved to Baker Hill's UN/FY platform in February 2026 to digitise small-business applications, underwriting and workflows across Arkansas, Kansas, Missouri and Oklahoma. Home's disclosed digital project is deposit account opening on Newgen. ([Baker Hill (PR Newswire)](https://prnewswire.com/news-releases/arvest-bank-deepens-three-decade-partnership-with-baker-hill-upgrades-to-unfy-platform-to-advance-small-business-lending-302682843.html), [Finextra](https://finextra.com/pressarticle/101071/centennial-bank-picks-newgen-to-boost-cx)) |

## How do the AI records of Centennial's rivals compare?

The most concrete AI item each rival has put on the record, with its date.

| Bank | AI item on the record | Date |
| --- | --- | --- |
| Home BancShares | No AI deployment disclosed; one generative-AI risk sentence in the 10-K | February 2026 ([Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm)) |
| Seacoast | Agentic-AI dispute management (Quavo); generative-AI loan review assistant (Abrigo) | December 2025; October 2026 ([Quavo (GlobeNewswire)](https://globenewswire.com/news-release/2025/12/09/3202154/0/en/Seacoast-Bank-and-Quavo-Partner-to-Enhance-Dispute-Operations-and-Reduce-Fraud-Losses.html), [Abrigo](https://www.abrigo.com/success-stories/seacoast-bank-cuts-complex-loan-review-documentation-time-nearly-in-half-with-abrigo-loan-review-assistant/)) |
| BankUnited | SAVI assistant on Claude via Bedrock; AI and Data Advisory Group | AWS case study; July 2025 ([Amazon Web Services](https://aws.amazon.com/solutions/case-studies/bankunited-case-study/), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000037/bkuproxy-20260410.htm)) |
| Bank OZK | Co-developing Fiserv agentOS agents | May 2026 ([Fiserv (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/05/14/3294727/0/en/fiserv-launches-agentos-the-operating-system-for-agentic-ai-in-banking.html)) |
| Arvest | Google Cloud with contact-center and document AI named | July 2022 ([Arvest Bank](https://arvest.com/about/newsroom/arvest-bank-announces-collaboration-with-google-cloud)) |
| Simmons | Mobile-deposit customer scoring: fraud losses down 96% | September 2025 ([Jack Henry](https://www.jackhenry.com/resources/case-study/simmons-bank-changes-game-with-mobile-deposit-scoring)) |
| Hancock Whitney | AI Working Group approving use cases | February 2026 ([Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm)) |
| Prosperity | Real-time core; AI only as generic risk language | February 2026 ([Prosperity Bank](https://prosperitybankusa.com/system-upgrade), [Prosperity Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1068851/000119312526077437/pb-20251231.htm)) |

## Where does Centennial compete, and with whom?

Centennial's branches by state after the Mountain Commerce close (April 1, 2026), with the rivals on this site that operate in each.

| Market | Centennial branches | Rivals on the record | Source date |
| --- | --- | --- | --- |
| Florida | 78 | Seacoast (104 offices in Florida and Georgia); BankUnited; Hancock Whitney (One Florida Bank, August 2026) | 2025-2026 ([Home BancShares (GlobeNewswire via Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/home-bancshares-inc-announces-completion-121500941.html), [Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026012787/sbcf-20251231.htm), [BankUnited](https://ir.bankunited.com/node/13726/pdf), [Business Wire via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/hancock-whitney-completes-one-florida-123000979.html)) |
| Arkansas | 75 | Simmons; Arvest; Bank OZK | 2026 ([Home BancShares (GlobeNewswire via Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/home-bancshares-inc-announces-completion-121500941.html), [Simmons First National (SEC filings)](https://www.sec.gov/Archives/edgar/data/90498/000162828026011618/sfnc-20251231.htm), [Baker Hill (PR Newswire)](https://prnewswire.com/news-releases/arvest-bank-deepens-three-decade-partnership-with-baker-hill-upgrades-to-unfy-platform-to-advance-small-business-lending-302682843.html), [Bank OZK](https://ir.ozk.com/static-files/85bc2c70-5e10-4a19-978d-44b39d79d6fa)) |
| Texas | 59 | Prosperity (363 locations); First Financial Bankshares (81 Texas locations); Simmons | 2026 ([Home BancShares (GlobeNewswire via Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/home-bancshares-inc-announces-completion-121500941.html), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/07/IP-2Q26-Final_51ca22.pdf), [First Financial Bankshares (PR Newswire)](https://www.prnewswire.com/news-releases/first-financial-bank-to-open-first-full-service-branch-in-austin-area-with-new-bee-cave-branch-302893317.html), [Simmons First National (SEC filings)](https://www.sec.gov/Archives/edgar/data/90498/000162828026011618/sfnc-20251231.htm)) |
| Tennessee | 8 (Mountain Commerce, Knoxville) | Simmons | 2026 ([Home BancShares (GlobeNewswire via Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/home-bancshares-inc-announces-completion-121500941.html), [American Banker](https://americanbanker.com/news/home-ends-dry-spell-with-150m-deal-for-tennessee-bank), [Simmons First National (SEC filings)](https://www.sec.gov/Archives/edgar/data/90498/000162828026011618/sfnc-20251231.htm)) |
| South Alabama | 5 | Hancock Whitney (Gulf Coast) | 2026 ([Home BancShares (GlobeNewswire via Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/home-bancshares-inc-announces-completion-121500941.html), [Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm)) |
| New York City | 1 | National banks | 2026 ([Home BancShares (GlobeNewswire via Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/home-bancshares-inc-announces-completion-121500941.html)) |

## Common questions

### Who are Home BancShares' biggest competitors?

By market: Simmons, Arvest and Bank OZK in Arkansas; Seacoast, BankUnited and Hancock Whitney in Florida; Prosperity and First Financial Bankshares in Texas. Home's 10-K adds that many of the largest banks in each state and in the country have offices in its markets, plus credit unions, mortgage firms, consumer finance companies and brokerages. ([Simmons First National (SEC filings)](https://www.sec.gov/Archives/edgar/data/90498/000162828026011618/sfnc-20251231.htm), [Baker Hill (PR Newswire)](https://prnewswire.com/news-releases/arvest-bank-deepens-three-decade-partnership-with-baker-hill-upgrades-to-unfy-platform-to-advance-small-business-lending-302682843.html), [Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026012787/sbcf-20251231.htm), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/07/IP-2Q26-Final_51ca22.pdf), [Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm))

### Is Simmons a competitor of Centennial Bank?

Yes. Both are Arkansas banks of similar size, and Simmons's roughly 222 financial centers overlap Centennial in Arkansas, Texas and Tennessee; Simmons lists Home BancShares in its 2026 proxy peer group. On AI both are quiet, scoring 3.6 (Simmons) and 3.5 (Home) on this site's index. ([Simmons First National (SEC filings)](https://www.sec.gov/Archives/edgar/data/90498/000162828026011618/sfnc-20251231.htm), [Simmons First National (SEC filings)](https://www.sec.gov/Archives/edgar/data/90498/000119312526146412/d74667ddef14a.htm), [Home BancShares (GlobeNewswire via Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/home-bancshares-inc-announces-completion-121500941.html))

### Who competes with Centennial Bank in Florida?

Seacoast, with 104 offices in Florida and Georgia, BankUnited, based in Miami Lakes, and Hancock Whitney, which closed its purchase of Orlando's One Florida Bank on August 1, 2026. Centennial has 78 Florida branches, its largest state by branch count, and its CEO says competition is fierce in Florida as in its other markets. ([Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026012787/sbcf-20251231.htm), [BankUnited](https://ir.bankunited.com/node/13726/pdf), [Business Wire via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/hancock-whitney-completes-one-florida-123000979.html), [Home BancShares (GlobeNewswire via Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/home-bancshares-inc-announces-completion-121500941.html), [The Motley Fool](https://fool.com/earnings/call-transcripts/2026/10/16/home-bancshares-homb-q3-2026-earnings-call-transcript))

### Is Chime a competitor of Home BancShares?

By category, yes. Home's 10-K says competitors may make broader use of electronic technology and that non-bank competitors face lighter regulation; Chime's 10-K claims a cost advantage over traditional banks, and it had 10.4 million active members at June 30, 2026. Neither names the other. ([Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm), [Chime via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results))

### What are alternatives to Centennial for small business banking?

Arvest digitised small-business lending on Baker Hill's UN/FY platform in February 2026; Square sells payments, point-of-sale software and banking to sellers and lists banks among its competitors; and Home's 10-K notes local community banks targeting the same small and mid-sized businesses with a relationship approach. ([Baker Hill (PR Newswire)](https://prnewswire.com/news-releases/arvest-bank-deepens-three-decade-partnership-with-baker-hill-upgrades-to-unfy-platform-to-advance-small-business-lending-302682843.html), [Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm), [Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm))

### Is Bank OZK a competitor of Home BancShares?

Yes. Both are Arkansas-based real-estate lenders, Bank OZK headquartered in Little Rock with 268 offices in nine states and Centennial in Conway with 75 Arkansas branches, and both run lean cost bases: 39.2% for Bank OZK in Q2 2026 and 40.84% for Home in Q3. Bank OZK is co-developing Fiserv agentOS AI agents. ([Bank OZK](https://ir.ozk.com/static-files/85bc2c70-5e10-4a19-978d-44b39d79d6fa), [Home BancShares (GlobeNewswire via Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/home-bancshares-inc-announces-completion-121500941.html), [Bank OZK](https://ir.ozk.com/news-releases/news-release-details/bank-ozk-announces-second-quarter-2026-earnings), [The Motley Fool](https://fool.com/earnings/call-transcripts/2026/10/16/home-bancshares-homb-q3-2026-earnings-call-transcript), [Fiserv (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/05/14/3294727/0/en/fiserv-launches-agentos-the-operating-system-for-agentic-ai-in-banking.html))

### How is Home BancShares competing for deposits?

On relationships and price discipline: on the October 15, 2026 call management said it continues to focus on core deposit relationships 'in this extremely competitive rate environment', with non-interest-bearing balances of $4.21 billion, over 22% of deposits, and said competition is fierce in Texas, Arkansas, Alabama and Florida. ([The Motley Fool](https://fool.com/earnings/call-transcripts/2026/10/16/home-bancshares-homb-q3-2026-earnings-call-transcript))

### Is Seacoast a competitor of Home BancShares?

Yes, in Florida, Centennial's largest state by branches. Seacoast had 104 offices in Florida and Georgia at December 31, 2025 against Centennial's 78 Florida branches. Seacoast has more AI on the record, including Quavo's agentic-AI dispute platform and Abrigo's generative-AI loan review assistant. ([Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026012787/sbcf-20251231.htm), [Home BancShares (GlobeNewswire via Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/home-bancshares-inc-announces-completion-121500941.html), [Quavo (GlobeNewswire)](https://globenewswire.com/news-release/2025/12/09/3202154/0/en/Seacoast-Bank-and-Quavo-Partner-to-Enhance-Dispute-Operations-and-Reduce-Fraud-Losses.html), [Abrigo](https://www.abrigo.com/success-stories/seacoast-bank-cuts-complex-loan-review-documentation-time-nearly-in-half-with-abrigo-loan-review-assistant/))

### Who competes with Centennial's national lending divisions?

Home's 10-K says non-bank competitors face less regulation than an FDIC-insured bank and have advantages in accessing funding; its Centennial CFG division lends from Los Angeles, Miami and Dallas, and its Shore Premier Finance division makes marine loans from offices in Chesapeake, Virginia and Baltimore. Its own 10-K names consumer finance companies and mortgage firms among its rivals. ([Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm))

### Does Home BancShares compete with Prosperity in Texas?

Yes. Prosperity claims a strong presence in Texas and Oklahoma and had 363 locations after closing Stellar on July 1, 2026; Centennial has 59 Texas branches across counties including Dallas, Tarrant, Travis, Bexar and Lubbock. Prosperity converted to a real-time core in February 2026; Home converted its legacy platforms in June. ([Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/07/IP-2Q26-Final_51ca22.pdf), [Home BancShares (GlobeNewswire via Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/home-bancshares-inc-announces-completion-121500941.html), [Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm), [Prosperity Bank](https://prosperitybankusa.com/system-upgrade), [Investing.com (earnings call transcript)](https://www.investing.com/news/transcripts/earnings-call-transcript-home-bancshares-tops-q2-2026-forecasts-shares-rise-5-93CH-4796629))

## Peers on this site

- [Simmons First National Corporation AI strategy](https://www.bankingnewsai.com/banks/simmons) · [vs peers](https://www.bankingnewsai.com/banks/simmons/vs-peers)
- [Bank OZK AI strategy](https://www.bankingnewsai.com/banks/bank-ozk) · [vs peers](https://www.bankingnewsai.com/banks/bank-ozk/vs-peers)
- [Arvest Bank AI strategy](https://www.bankingnewsai.com/banks/arvest) · [vs peers](https://www.bankingnewsai.com/banks/arvest/vs-peers)
- [Seacoast Banking Corporation of Florida AI strategy](https://www.bankingnewsai.com/banks/seacoast) · [vs peers](https://www.bankingnewsai.com/banks/seacoast/vs-peers)
- [BankUnited AI strategy](https://www.bankingnewsai.com/banks/bankunited) · [vs peers](https://www.bankingnewsai.com/banks/bankunited/vs-peers)
- [Hancock Whitney AI strategy](https://www.bankingnewsai.com/banks/hancock-whitney) · [vs peers](https://www.bankingnewsai.com/banks/hancock-whitney/vs-peers)
- [Prosperity Bancshares AI strategy](https://www.bankingnewsai.com/banks/prosperity) · [vs peers](https://www.bankingnewsai.com/banks/prosperity/vs-peers)
- [First Financial Bankshares AI strategy](https://www.bankingnewsai.com/banks/first-financial-bankshares) · [vs peers](https://www.bankingnewsai.com/banks/first-financial-bankshares/vs-peers)

## Sources

1. Home BancShares, Inc. Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Home BancShares (SEC filings), Feb 27, 2026. https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm
2. Home BancShares, Inc. Announces Completion of the Acquisition of Mountain Commerce Bancorp, Inc. — Home BancShares (GlobeNewswire via Yahoo Finance), Apr 1, 2026. https://finance.yahoo.com/markets/stocks/articles/home-bancshares-inc-announces-completion-121500941.html
3. Home BancShares (HOMB) Q3 2026 Earnings Call Transcript — The Motley Fool, Oct 16, 2026. https://fool.com/earnings/call-transcripts/2026/10/16/home-bancshares-homb-q3-2026-earnings-call-transcript
4. Simmons First National Corporation Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Simmons First National (SEC filings), Feb 25, 2026. https://www.sec.gov/Archives/edgar/data/90498/000162828026011618/sfnc-20251231.htm
5. Arvest Bank Deepens Three-Decade Partnership with Baker Hill, Upgrades to UN/FY Platform to Advance Small Business Lending — Baker Hill (PR Newswire), Feb 9, 2026. https://prnewswire.com/news-releases/arvest-bank-deepens-three-decade-partnership-with-baker-hill-upgrades-to-unfy-platform-to-advance-small-business-lending-302682843.html
6. Bank OZK Announces First Quarter 2026 Earnings — Bank OZK, Apr 21, 2026. https://ir.ozk.com/static-files/85bc2c70-5e10-4a19-978d-44b39d79d6fa
7. Seacoast Banking Corporation of Florida Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Seacoast Banking Corporation of Florida (SEC filings), Feb 27, 2026. https://www.sec.gov/Archives/edgar/data/730708/000162828026012787/sbcf-20251231.htm
8. Hancock Whitney Completes One Florida Bank Acquisition — Business Wire via Yahoo Finance, Aug 3, 2026. https://finance.yahoo.com/markets/stocks/articles/hancock-whitney-completes-one-florida-123000979.html
9. Second Quarter 2026 Investor Presentation — Prosperity Bancshares, Jul 28, 2026. https://prosperitybankusa.com/wp-content/uploads/2026/07/IP-2Q26-Final_51ca22.pdf
10. FIRST FINANCIAL BANKSHARES ANNOUNCES SECOND QUARTER 2026 EARNINGS — First Financial Bankshares (PR Newswire), Jul 16, 2026. https://www.prnewswire.com/news-releases/first-financial-bankshares-announces-second-quarter-2026-earnings-302827948.html
11. Chime Reports Second Quarter 2026 Financial Results — Chime, Aug 5, 2026. https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results
12. Block, Inc. Annual Report 2025 (Form 10-K) — Block, Inc. via SEC EDGAR, Feb 26, 2026. https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm
13. Simmons First National Corporation 2026 Proxy Statement (Schedule 14A) — Simmons First National (SEC filings), Apr 8, 2026. https://www.sec.gov/Archives/edgar/data/90498/000119312526146412/d74667ddef14a.htm
14. FDIC BankFind financial data, Arvest Bank (cert 8728), quarter ended 30 June 2026 — FDIC, Jun 30, 2026. https://api.fdic.gov/banks/financials?filters=CERT%3A8728&fields=REPDTE%2CASSET%2CDEP%2CNUMEMP%2CNETINC&sort_by=REPDTE&sort_order=DESC&limit=4
15. Bank OZK Announces Second Quarter 2026 Earnings — Bank OZK, Jul 21, 2026. https://ir.ozk.com/news-releases/news-release-details/bank-ozk-announces-second-quarter-2026-earnings
16. Seacoast Completes Acquisition of Villages Bancorporation, Inc. (Form 8-K, Exhibit 99.1) — Seacoast Banking Corporation of Florida (SEC filings), Oct 1, 2025. https://www.sec.gov/Archives/edgar/data/730708/000073070825000204/sbcfpressrelease20251001.htm
17. BankUnited, Inc. Reports 1Q 2026 Net Income of $62 million, $0.83 Diluted EPS — BankUnited, Apr 22, 2026. https://ir.bankunited.com/node/13726/pdf
18. Why Security Will Be the Deciding Factor for SMB Banking in 2026 — BankUnited, Jan 9, 2026. https://bankunited.com/all-resources/why-security-will-be-the-deciding-factor-for-smb-banking-in-2026
19. Hancock Whitney inks deal to buy Orlando community bank — American Banker, May 15, 2026. https://www.americanbanker.com/news/hancock-whitney-inks-deal-to-buy-orlando-community-bank
20. FIRST FINANCIAL BANK TO OPEN FIRST FULL-SERVICE BRANCH IN AUSTIN AREA WITH NEW BEE CAVE BRANCH — First Financial Bankshares (PR Newswire), Sep 29, 2026. https://www.prnewswire.com/news-releases/first-financial-bank-to-open-first-full-service-branch-in-austin-area-with-new-bee-cave-branch-302893317.html
21. Chime Financial, Inc. Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Chime via SEC EDGAR, Mar 6, 2026. https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm
22. Home BancShares (HOMB) Q3 2026 Earnings Call Transcript — earnings call transcript (The Motley Fool), Oct 15, 2026. https://www.fool.com/earnings/call-transcripts/2026/10/16/home-bancshares-homb-q3-2026-earnings-call-transcript
23. Simmons Bank changes the game with mobile deposit scoring — Jack Henry, Sep 10, 2025. https://www.jackhenry.com/resources/case-study/simmons-bank-changes-game-with-mobile-deposit-scoring
24. Simmons First (SFNC) Q3 2026 Earnings Call Transcript — earnings call transcript (The Motley Fool), Oct 16, 2026. https://fool.com/earnings/call-transcripts/2026/10/16/simmons-first-sfnc-q3-2026-earnings-call-transcript
25. Arvest Bank Announces Collaboration with Google Cloud — Arvest Bank, Jul 25, 2022. https://arvest.com/about/newsroom/arvest-bank-announces-collaboration-with-google-cloud
26. Trent AI Announces AI Security Maturity Model for Agentic Era — Trent AI (Business Wire), May 5, 2026. https://www.businesswire.com/news/home/20260505309646/en/Trent-AI-Announces-AI-Security-Maturity-Model-for-Agentic-Era
27. Fiserv Launches agentOS: The Operating System for Agentic AI in Banking — Fiserv (GlobeNewswire), May 14, 2026. https://www.globenewswire.com/news-release/2026/05/14/3294727/0/en/fiserv-launches-agentos-the-operating-system-for-agentic-ai-in-banking.html
28. U.S. Bank's business banking expansion targets the Sun Belt — American Banker, Aug 31, 2026. https://www.americanbanker.com/news/u-s-banks-business-banking-expansion-targets-the-sun-belt
29. Seacoast Bank and Quavo Partner to Enhance Dispute Operations and Reduce Fraud Losses — Quavo (GlobeNewswire), Dec 9, 2025. https://globenewswire.com/news-release/2025/12/09/3202154/0/en/Seacoast-Bank-and-Quavo-Partner-to-Enhance-Dispute-Operations-and-Reduce-Fraud-Losses.html
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