At this Home, you don't have to stash your cash under the mattress. Home BancShares is the holding company for Centennial Bank, which operates more than 100 branches in Arkansas, Alabama, and Florida. The bank offers traditional services such as checking, savings, and money market accounts; IRAs; and CDs. It focuses on commercial real estate lending, including construction, land development, and agricultural loans, which make up more than 60% of its lending portfolio. The bank also writes residential mortgage, business, and consumer loans. Nonbank subsidiaries offer trust and insurance services. Investments are available to customers through an agreement with third-party provider LPL Financial.