We acquired Community Bank, Bank of Mountain View and Centennial Bank in 2003, 2005 and 2008, respectively. Home BancShares and its founders were also involved in the formation of Twin City Bank and Marine Bank, both of which we acquired in 2005. During 2008 and 2009, we merged all of our banks into one charter and adopted Centennial Bank as the common name. In 2010, we acquired six banks in Florida through Federal Deposit Insurance Corporation (“FDIC”) assisted transactions with loss share, including Old Southern Bank, Key West Bank, Coastal Community Bank, Bayside Savings Bank, Wakulla Bank and Gulf State Community Bank. In 2012, we acquired three banks headquartered in Florida including Vision Bank, Premier Bank and Heritage Bank of Florida (“Heritage Bank”). Heritage Bank was acquired through an FDIC-assisted transaction without loss share.

In 2013, we acquired Liberty Bancshares, Inc., parent company of Liberty Bank of Arkansas in a market transaction. This merger added approximately $2.82 billion in assets and significantly increased our deposit market share in Arkansas. In 2014, we acquired two banks headquartered in Florida, including Florida Traditions Bank and Broward Financial Holdings, Inc., parent company of Broward Bank of Commerce.

In 2015, we acquired all the deposits and substantially all the assets of Doral Bank’s Florida Panhandle operations through an alliance agreement with Banco Popular of Puerto Rico, who was the successful lead bidder with the FDIC on the failed Doral Bank of San Juan, Puerto Rico. We also acquired, in 2015, a pool of national commercial real estate loans totaling approximately $289.1 million which were originated by the former Doral Bank within its Doral Property Finance portfolio. This pool of loans is now housed in a division of Centennial Bank known as the Centennial Commercial Finance Group (“Centennial CFG”), which is responsible for servicing the acquired loan pool and originating new loan production. The Company subsequently opened a loan production office in New York City where the Centennial CFG has built out a national lending platform focusing on commercial real estate plus commercial and industrial loans. Finally, in 2015, we acquired Florida Business BancGroup, Inc., parent company of Bay Cities Bank in a market acquisition.

In 2017, the Company completed its acquisition of Giant Holdings, Inc., parent company of Landmark Bank, N.A. and its acquisition of The Bank of Commerce. Additionally, during 2017, Centennial CFG opened a second loan production office in Los Angeles. Finally, in 2017, we acquired all of the issued and outstanding shares of common stock of Stonegate Bank, and merged Stonegate into Centennial. This merger added approximately $2.89 billion in assets and significantly increased our deposit market share in Florida.

In 2018, we acquired Shore Premier Finance, a division of Union Bank & Trust of Richmond, Virginia. Shore Premier Finance provides direct consumer financing to United States Coast Guard ("USCG") registered high-end sail and power boats and inventory floor plan lines of credit to marine dealers, primarily those selling USCG documented vessels. This portfolio of loans will now be housed in a division of Centennial known as Shore Premier Finance, which will be responsible for servicing the acquired loan portfolio and originating new loan production in the marine financing market.

In 2022, we expanded into Texas with the acquisition of Happy Bancshares and Happy State Bank. This merger added approximately $6.69 billion in assets.

Our wholly-owned subsidiary, Centennial Bank, provides a broad range of commercial and retail banking plus related financial services to businesses, real estate developers, investors, individuals and municipalities. Centennial Bank has branch locations throughout Arkansas, Florida, Texas, South Alabama and New York City.

We pride ourselves in our community banking philosophy, which leads to exceptional service and strong customer relationships. We maintain a strong commitment to the communities we serve through our involvement with and support of local charities. These principles provide a competitive advantage when meeting the needs of our customers, particularly as we compete with large regional and national banks.

Through the loyalty, support and dedication of our customers, shareholders, employees and local board of directors, we will continue to build a successful banking organization with superior customer service.