Forward Looking Explanations.


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Forward Looking Proclamations.
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Forward Looking Statements This presentation contains forward-looking explanations that identify with desires, convictions, projections, tentative arrangements and methodologies, expected occasions or patterns and comparable expressions concerning matters that are not authentic certainties. The forward-looking proclamations contained in this mirror our present perspectives about future occasions and money related execution and are liable to dangers, vulnerabilities, suppositions and changes in circumstances that may bring about our genuine results to contrast fundamentally from chronicled results and those communicated in any forward-looking explanation. A few variables that could bring about real results to vary tangibly from authentic or expected results include: components recorded in the Company’s 10-K as documented with the Securities and Exchange Commission; changes all in all financial conditions, either broadly or by regional standards in the ranges in which we lead or will direct our business; expansion, premium rate, market and fiscal vacillations; increments in aggressive weights among money related establishments and organizations offering comparable items and administrations; higher defaults on our credit portfolio than we expect; changes in management’s appraisal of the stipend\'s ampleness for advance misfortunes; authoritative or administrative changes or changes in bookkeeping standards, approaches or rules; management’s assessments and projections of premium rates and premium rate strategy; the execution of our marketable strategy; and different elements influencing the monetary administrations industry for the most part or the saving money industry specifically. We don\'t plan and disavow any obligation or commitment to upgrade or amend any industry data or forward-looking articulations put forward in this presentation to reflect new data, future occasions or something else.

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Where is Arkansas?

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Holding Company Profile Initial Public Offering Completed 6/22/06 $2.6 billion budgetary holding organization (6/30/08) Headquartered in Conway, AR Founded in 1998 Banking foundation Community bank theory Attractive/development markets in AR, FL Five banks in Arkansas One bank in South Florida History of effective acquisitions Sold WRBI for $6.1M pick up in Q1 2008 Significant insider proprietorship Present responsibility for (1/31/08) Mountain View (2) Quitman Searcy (3) Greenbrier Vilonia Beebe (2) Morrilton Ward Conway (7) Cabot (5) Mayflower Maumelle Jacksonville (3) North Little Rock (5) Sherwood (2) Little Rock (10) Bryant Rison Kingsland New Edinburg Fordyce ARKANSAS 51 Branches (As of 6/30/08) FLORIDA Headquarters Branch Locations 12 Branches (As of 6/30/08) Port Charlotte Punta Gorda Marco Island Key Largo Islamorada Marathon (3) Summerland Big Pine Key West (2)

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Marine Bank Marathon, FL June 1, 2005 (b) Centennial Bank Little Rock, AR January 1, 2008 Company History The table underneath records our bank backups and the acquisitions\' dates of their particular guardian organizations: First State Bank Conway, AR October 26, 1998 Bank of Mountain View Mountain View, AR September 1, 2005 Community Bank Cabot, AR December 1, 2003 Twin City Bank N. Little Rock, AR January 1, 2005 (an) (a) Prior to the securing\'s date, we possessed more or less 32% of the shares of TCBancorp, the guardian organization of Twin City Bank. (b) In 1995, Mr. Allison, our Chairman and Chief Executive Officer, was an establishing board individual from Marine Bancorp, the guardian organization of Marine Bank. He claimed give or take 13.9% of Marine Bancorp\'s shares at the season of our obtaining.

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Florida Keys History Acquired Marine Bank – 6/1/05 Opened in 1995 John Allison was an establishing coordinator and board part Florida Loans – 28% CAGR: 9/30/02 $83 million 6/30/08 $318 million Florida Deposits – 22% CAGR: 9/30/02 $95 million 6/30/08 $288 million FLORIDA 12 Branches (As of 6/30/08) Port Charlotte Punta Gorda Marco Island Key Largo Islamorada Marathon (3) Summerland Big Pine Key West (2) Branch Locations

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Loan Composition (Dollars in Millions, As of June 30, 2008) Loans receivable of $1.95 billion 82% of our credits are secured by land (an) Includes Agricultural.

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2002-2008 CAGR – 17.4% Loan Growth by Bank (Dollars in Millions) (an) Assumes all banks were accumulated generally. Source: FDIC.

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Growth Includes money related data of procured branches

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Deposit Market Share (Dollars in Millions) Source: FDIC starting 6/30/07. (a) Pro Forma including procurement of Centennial Bank.

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Arkansas Deposit Market Share (Dollars in Millions) $47.4 Billion altogether Deposits for Market Source: FDIC starting 6/30/07. (a) Pro Forma including acquisitions – as though claimed historically (b) Pro Forma including securing of Centennial Bank.

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Little Rock MSA Deposit Market Share Source: FDIC starting 6/30/07. (a) Pro Forma including acquisitions – as though possessed historically (b) Pro Forma including procurement of Centennial Bank.

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Asset Quality

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Stable Net Interest Margin

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6.3% Wyoming - 3.0% Rhode Island - 10.3% Nevada 5.6% Utah - 10.6% California - 5.5% Arizona 2.1% ARKANSAS - 8.2 % Florida Housing Data from the Office of Federal Housing Enterprise Oversight 1Q 2007 - 1Q 2008

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Arkansas-No Boom–No Bust

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Fayetteville Shale Map Mountain View Greenbrier Quitman Searcy Morrilton Conway Beebe Vilonia Ward Mayflower Cabot Jacksonville Sherwood North Little Rock Maumelle Little Rock Bryant Rison New Edinburg Kingsland Fordyce Home BancShares, Inc., Arkansas Locations

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Fayetteville Shale Impact $2.6 billion of monetary yield in 2007 $17.9 billion of monetary yield 2008-2012 Direct job of more than 11,000 individuals in Arkansas every year 2008-2012 Source: University of Arkansas 2008 Economic Impact Study

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Hewlett Packard Opening new area of client administration & specialized backing in Conway First workers expected mid-2009 Creation of 1,200 occupations for Conway Area Average pay anticipated that would be $50,000 per representative

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Financial Strength $288 Million Total Capital $91 Million Excess Capital $40 Million Cash – Parent Co. 1.87% Allowance to Loans

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Excess Capital Excess Capital on Total RBC = $91 Million

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HBI Executives (97 years of experience) John Allison (25) Founder, Chairman and Chief Executive Officer Former Chairman of the Executive Committee, First Commercial Corp. Ron Strother (35) President, Chief Operating Officer Former President and Chief Operating Officer of First Commercial Bank Randy Mayor (21) Chief Financial Officer Former SVP of Finance, First National Bank of Conway (Sub. of First Commercial Corp.) Brian Davis (16) Director of Financial Reporting Former Vice President of Finance with Simmons First National

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Bank CEO (152 years experience) Randy Sims (32) First State Bank Former EVP with First National Bank of Conway (First Commercial Corp.) Tracy French (22) Community Bank Former EVP and Director of First State Bank of Lonoke Bob Birch (37) Twin City Bank Former President of the “old” Twin City Bank (Mercantile/Firstar/US Bank) Hunter Padgett (27) Marine Bank Former Business Bank Exec. TIB, likewise with First Union (Wachovia) & SunTrust Mickey Waddington (18) Bank of Mountain View Former Vice President of Twin City Bank Chris Roberts (16) Centennial Bank Former EVP with One Bank situated in Little Rock

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Insider Ownership

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Investor Business Daily Source: Investor Business Daily distribution dated 7/22/2008.

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Net Income (Dollars in Millions) GAAP Cash Note: 2004 bars the impact of a $2.7 million after-duty pick up.

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Earnings per Share GAAP Cash Note: 2004 rejects the impact of a $2.7 million after-expense pick up.

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Total Assets

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Total Equity

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Performance Analysis Note: 2004 bars the impact of a $2.7 million after-expense pick up. (a) 6/30/08 annualized

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GAAP & Cash Earnings GAAP Cash

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Quarterly EPS GAAP Cash

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Quarterly Return on Assets

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Quarterly Return on Equity

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Quarterly Efficiency Ratio

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Quarterly Net Interest Margin

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Total Loans & Deposits 92.8% 97.6% 100.9% 100.7% 102.6%

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Reserves/Total Loans

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Asset Quality Ratios

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Cash Dividends 62% Increase

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Quarterly Book Value

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Summary Positioned in Fayetteville Shale Play Hewlett Packard Strong Insider Ownership Strong Loan Growth Strong Loan Pipeline Good Deposit Growth Core Non Interest Income Growth Improving Efficiency Ratio Good Asset Quality Strong Loan Loss Reserve Strong Loan/Deposit Ratio Improving Net Interest Margin Improving Core ROA Improving Core Earnings/EPS Increasing Book Value Strong Capital Position .:

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