FDIC-Assisted Acquisition Coastal Community Bank & Bayside Savings Bank July 30, NASDAQ: HOMB

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1 FDIC-Assisted Acquisition Coastal Community Bank & Bayside Savings Bank July 30, 2010 NASDAQ: HOMB

2 Forward Looking Statements This presentation contains forward-looking statements that relate to expectations, beliefs, projections, future plans and strategies, anticipated events or trends and similar expressions concerning matters that are not historical facts. The forward-looking statements contained herein reflect our current views about future events and financial performance and are subject to risks, uncertainties, assumptions and changes in circumstances that may cause our actual results to differ significantly from historical results and those expressed in any forward-looking statement. Some factors that could cause actual results to differ materially from historical or expected results include: factors listed in the Company s 10-K as filed with the Securities and Exchange Commission; changes in general economic conditions, either nationally or locally in the areas in which we conduct or will conduct our business; inflation, interest rate, market and monetary fluctuations; increases in competitive pressures among financial institutions and businesses offering similar products and services; higher defaults on our loan portfolio than we expect; changes in management s estimate of the adequacy of the allowance for loan losses; legislative or regulatory changes or changes in accounting principles, policies or guidelines; management s estimates and projections of interest rates and interest rate policy; the execution of our business plan; and other factors affecting the financial services industry generally or the banking industry in particular. We do not intend and disclaim any duty or obligation to update or revise any industry information or forward-looking statements set forth in this presentation to reflect new information, future events or otherwise.

3 Transaction Overview Acquired approximately $444 million in assets & assumed approximately $415 million in deposits 80% loss share protection on approximately $347 million in covered assets Acquired branches will operate as Centennial Bank, a wholly-owned subsidiary of Home BancShares, Inc. Branches will be open for normal business hours on Saturday, July 31 and Monday, August 2

4 Strategic Opportunity Expand our Florida footprint into the Panhandle Natural extension of our current Florida footprint Popular, long-time vacation destination for many Arkansans Significant military presence provides economic stability and opportunity to serve niche market Transportation hub for Northwest Florida Moderately accretive to net income and earnings per share Initially neutral to book value per share and slightly dilutive to tangible book value per share Accretive to both book value and tangible book value going forward Leverages a portion of our excess capital

5 Overview of Coastal and Bayside 104 year operating history 13 full service locations across three Florida counties Core funded franchise with over 50% of deposits located in attractive Panama City MSA Home to Tyndall Military Base and Naval Support Activity Panama City Northwest Florida Beaches International Airport opened in May 2010 Over 6.1 million visitor days with a $975 million economic impact Core Deposits ($mm) Acquired Branch Network $300 $285 $240 $180 $130 $153 $179 $191 $201 $248 $120 $84 $ Y 2004Y 2005Y 2006Y 2007Y 2008Y 2009Y YTD Source: SNL Financial and the Panama City Beach Convention & Visitors Bureau Visitor statistics for 2008 Core deposits defined as total deposits less jumbo time deposits YTD as of 3/31/10

6 Deposit Market Share Top 5 deposit market share in all three counties 45% deposit market share in Franklin County Greater than 10% increase in deposit market share since 2000 Number one deposit market share among community banks in combined counties of operation Deposit Market Share (1) Deposits Market Rank Institution ($mm) Share Branches 1 Hancock Holding Co. $ % 8 2 Regions Financial Corp Coastal and Bayside Park National Corp Bay Bank & Trust Co SunTrust Banks Inc Wells Fargo & Co Superior Bancorp Trustmark Corp Gulf State Bancorp Deposit Market Share (1) Growth 15% 13.8% 12.0% 12.3% 12% 10.5% 9.0% 9% 7.7% 5.8% 6% 3.9% 3% Source: SNL Financial (1) Deposit market share for Coastal and Bayside s combined counties of operation as of 6/30/09

7 Deposit Composition (Dollars in Millions) HOMB Coastal HOMB Pro Forma 7% 29% 47% 17% 5% 42% 21% 32% Bayside 43% 20% 37% 22% 35% 6% 7% 31% Transaction Accounts Money Market & Savings Jumbo Time Deposits Retail Time Deposits Acquired HOMB (6/30/10) Deposits (3/31/10) HOMB Pro Forma Transaction Accounts $ 141 $ 33 $ 174 Money Market & Savings 1, ,109 Retail Time Deposits Jumbo Time Deposits $ 2,186 $ 415 $ 2,601

8 Loan Composition (Dollars in Millions) Loan Type Acquired Amount (3/31/10) HOMB Pro-forma Total (6/30/10) % of Pro-forma Total Loans Commercial RE (Non-farm/non-residential & agri.) $88 $1,022 41% Construction/Land Development % Residential Real Estate % Commercial & Industrial (1) % Consumer % Other % Total $330 $2, % (1) Includes Agricultural

9 Florida Pro-Forma Footprint Panama City Beach Southport Lynn Haven Panama City (2) Mexico Beach Port St. Joe (2) Carrabelle Apalachicola (2) Eastpoint St. George Island Branch Locations Acquired Branch Existing Branches Bay County, FL 7 - Franklin County, FL 4 - Gulf County, FL 2 - Charlotte County, FL - 2 Collier County, FL - 1 Lake County, FL - 1 Monroe County, FL - 9 Orange County, FL - 4 Seminole County, FL - 2 Total Port Charlotte Punta Gorda Clermont Marco Island FLORIDA 32 Branches (As of July 2010) Key Largo Islamorada Marathon (3) Summerland Big Pine Key West (3) Longwood (2) Winter Park Orlando (2) Existing Branch Locations Acquired Branch Location

10 Florida Deposit Market Share Home BancShares Inc. Pro-Forma (Dollars in Millions) Selected Markets Branch Count HOMB Pro-forma Deposits (6/30/09) Total Deposits in Market Deposit Market Share Rank Deposit Market Share % Bay County, FL 7 $214 $2, Franklin County, FL Gulf County, FL Key West-Marathon, FL MSA , Port Charlotte/Punta Gorda , Naples Marco Island MSA , Lake County, FL , Orange County, FL , Seminole County, FL , Source: FDIC as of 6/30/09

11 Historical Acquisitions Year Acquired Bank Location Assets ($mm) 2003 Community Bank Cabot, AR $ Twin City Bank North Little Rock, AR $ Marine Bank Marathon, FL $ Bank of Mountain View Mountain View, AR $ Centennial Bank Little Rock, AR $ Old Southern Bank Orlando, FL $ Key West Bank Key West, FL $97

12 Potential Future Opportunities Potential Opportunities Asset Size Distribution Tallahassee Jacksonville Total Institutions: 57 Orlando Total Assets: $20.5bn Median Age: 13 years Potential Opportunity Tampa Florida 0 <$100mm $100mm- $250mm $250mm- $750mm $750mm- $2.0bn City Miami Source: SNL Financial Includes banks and thrifts headquartered in Florida with assets less than $2.0 billion and Texas Ratios greater than 100%

13 Contact Information Corporate Headquarters Home BancShares, Inc. 719 Harkrider St., Suite 100 P.O. Box 966 Conway, AR Financial Information Brian S. Davis Chief Accounting Officer & Investor Relations Officer (501) Website

14 FDIC-Assisted Acquisition Coastal Community Bank & Bayside Savings Bank July 30, 2010 NASDAQ: HOMB