Question · Q3 2025
Dave Siffringer asked about the outlook for net interest margin (NIM) and net interest income (NII) given recent and potential future rate cuts, the bank's NIM sensitivity, strategies for deposit growth in a lower-rate environment, and any credit concerns related to a potential government shutdown.
Answer
Chairman John Allison and CEO Stephen Tipton explained that Home BancShares' management reacts quickly to rate changes to maintain margin, with regional presidents actively managing deposit rates. They noted the company does not chase high deposit rates and has not seen an immediate impact from the government shutdown. President and Chief Lending Officer Kevin Hester added that deferments could be offered if necessary due to a shutdown.