Simmons Bank
Total assets
$24.73B
▼ -7.1% YoY
Deposits
$19.93B
▼ -9.8% YoY
Loans
$17.84B
▲ +5.7% YoY
Offices
229
SIMMONS FIRST NATIONAL CORP
ROA (annualized)
1.21%
ROE (annualized)
9.24%
Peer comparison
No peer data.
Profile
- Established
- 1903
- Charter
- State
- Primary regulator
- FED
- Holding company
- SIMMONS FIRST NATIONAL CORP
- Specialization
- Commercial Lending Specialization
- Address
- 501 S Main St, Pine Bluff, AR, 71601
- County
- Jefferson
- Metro area
- Pine Bluff, AR
- Offices
- 229
- FDIC cert #
- 3890
- RSSD ID
- 663245
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $24.73B | $19.93B | $17.84B | $3.24B | $148.4M | 1.21% | 3.85% | 0.72% |
| Q1 2026 | $24.65B | $20.41B | $17.72B | $3.20B | $76.3M | 1.24% | 3.85% | 0.63% |
| Q4 2025 | $24.50B | $20.73B | $17.29B | $3.20B | $-361.1M | -1.40% | 3.35% | 0.51% |
| Q3 2025 | $24.16B | $20.74B | $16.95B | $3.09B | $-445.9M | -2.28% | 3.21% | 0.66% |
| Q2 2025 | $26.63B | $22.09B | $16.87B | $3.58B | $106.1M | 0.79% | 3.00% | 0.62% |
| Q1 2025 | $26.75B | $21.96B | $16.85B | $3.57B | $42.7M | 0.64% | 2.92% | 0.60% |
| Q4 2024 | $26.84B | $22.17B | $16.78B | $3.57B | $189.8M | 0.70% | 2.78% | 0.45% |
| Q3 2024 | $27.23B | $22.23B | $17.11B | $3.58B | $133.0M | 0.65% | 2.72% | 0.38% |
Loan mix (Q2 2026): real estate $13.99B · commercial $2.16B · consumer $232.8M · securities $3.10B
Ratio pack Q2 2026 · peer medians from 160 institutions
Profitability
| Ratio | Simmons Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.21% | 1.23% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 9.2% | 11.3% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.85% | 3.55% | 70th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.6% | 54.9% | 55th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Simmons Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Simmons Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Simmons Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Simmons Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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