Simmons Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Simmons Bank operates with a thinner capital cushion than most banks of its size. Its balance sheet stood at $24.7 billion at June 30, 2026, down 7.1% from a year earlier; it is based in Pine Bluff, Arkansas. It holds common equity equal to 10.44% of its risk-weighted assets, lower than about 9 in 10 of the 127 banks with $10 billion to $100 billion in assets (median 12.98%). It also holds commercial real estate loans worth 3.5 times its capital, higher than about 9 in 10 banks its size (median 2.2 times).
Net income for the quarter rose 14% from a year earlier, to $72 million. Over the same year, loans grew 5.6% and deposits shrank 9.8%. Credit is the area to watch: it carries problem assets equal to 8.4% of the capital and reserves that would absorb them, about double the median of 4.2% for banks its size.
As of June 30, 2026, Simmons Bank reported a CET1 capital ratio of 10.44%, a return on assets of 1.16%, a nonperforming-loan ratio of 0.91% and a Texas ratio of 8.36%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 501 S Main St, Pine Bluff, AR 71601
- County
- Jefferson
- Metro Area
- Pine Bluff, AR
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- March 23, 1903
- Former names
- Simmons First National Bank (1995-2016)
- Offices
- 229 domestic
- Employees (FTE)
- 2,899
- Domestic deposits
- $19.93B
- Allowance for credit losses
- $238.2M
- Net charge-offs (YTD)
- $18.2M
- Average total assets
- $24.94B
- Average total loans
- $17.97B
- Average interest-bearing deposits
- $15.55B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3890
- Fed RSSD
- 663245
- SEC CIK
- 90498 → filed by SIMMONS FIRST NATIONAL CORPORATION
- Website
- www.simmonsbank.com →
- Parent Holding Company
- SIMMONS FIRST NATIONAL CORPORATION (RSSD 1094828) · SFNC
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| James M Brogdon | CEO | President & CEO |
| George Makris Jr | CHR | Chairman & CEO |
| Hobbs Charles Daniel | CFO | EVP & CFO |
| Van Steenberg Christopher J | COO | EVP & Chief Operating Officer |
| Yaney Stewart Bradley | CCO | EVP, Chief Credit Risk Officer |
| Tina M Groves | CRO | Chief Risk Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Simmons Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Simmons Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Simmons Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.44% | 1.16% | 0.91% | 8.36% | 3.74% |
| Q1 2026 | 10.45% | 1.23% | 0.79% | 7.43% | 3.76% |
| Q4 2025 | 10.56% | 1.38% | 0.64% | 5.93% | 3.78% |
| Q3 2025 | 10.25% | -8.73% | 0.89% | 8.00% | 3.31% |
| Q2 2025 | 12.53% | 0.94% | 0.91% | 6.64% | 3.05% |
| Q1 2025 | 12.44% | 0.63% | 0.89% | 6.46% | 2.92% |
| Q4 2024 | 12.59% | 0.83% | 0.81% | 4.78% | 2.90% |
| Q3 2024 | 12.31% | 0.48% | 0.58% | 4.12% | 2.77% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 229 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Little Rock Downtown Tower Branch | Little Rock , AR | 72201 | $2.17B |
| Simmons Bank (main office) | Pine Bluff , AR | 71601 | $946.2M |
| Nashville Gulch Union Branch | Nashville , TN | 37203 | $546.2M |
| Little Rock Chenal Hq Branch | Little Rock , AR | 72223 | $418.7M |
| Stillwater 6th & Main Branch | Stillwater , OK | 74074 | $358.4M |
| Sherman Branch | Sherman , TX | 75090 | $285.5M |
| St. Louis Clayton Road Branch | Saint Louis , MO | 63117 | $281.8M |
| Athens Congress Parkway Branch | Athens , TN | 37303 | $278.4M |
| St. Louis the Grove Branch | Saint Louis , MO | 63110 | $262.7M |
| Yorktown Branch | Yorktown , TX | 78164 | $260.8M |
| Fort Worth 7th Street Branch | Fort Worth , TX | 76107 | $229.4M |
| Jonesboro Caraway Branch | Jonesboro , AR | 72401 | $192.2M |
| Fayetteville Joyce Street Branch | Fayetteville , AR | 72703 | $178.0M |
| Columbia Downtown Branch | Columbia , MO | 65201 | $172.5M |
| Russellville Valley Park Branch | Russellville , AR | 72802 | $166.9M |
| Post Oak Road Branch | Houston , TX | 77024 | $165.4M |
| Little Rock Plaza Branch | Little Rock , AR | 72212 | $160.2M |
| Tulsa 15th & Utica Branch | Tulsa , OK | 74104 | $144.2M |
| Mabank Branch | Mabank , TX | 75147 | $142.2M |
| Joplin Range Line Branch | Joplin , MO | 64804 | $142.1M |
| Conway Salem Branch | Conway , AR | 72034 | $139.6M |
| Dallas Preston Center Branch | Dallas , TX | 75225 | $136.6M |
| College Station Branch | College Station , TX | 77840 | $133.7M |
| Martin Branch | Martin , TN | 38237 | $133.4M |
| Beeville Branch | Beeville , TX | 78102 | $131.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 9, 2022 | M&A | Acquired Spirit of Texas Bank, SSB merger for the acquired bank | SEC |
| April 9, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 9, 2022 | Structure Change | Acquired Spirit of Texas Bank, SSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 9, 2021 | M&A | Acquired Landmark Community Bank merger for the acquired bank | SEC |
| October 9, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 9, 2021 | Structure Change | Acquired Landmark Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 15, 2020 | M&A | Acquired Landmark Bank merger for the acquired bank | SEC |
| February 15, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 15, 2020 | Structure Change | Acquired Landmark Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 13, 2019 | M&A | Acquired Reliance Bank merger for the acquired bank | SEC |
| April 13, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 13, 2019 | Structure Change | Acquired Reliance Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 29, 2018 | M&A | Acquired Bank SNB merger for the acquired bank | SEC |
| May 29, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 29, 2018 | Structure Change | Acquired Bank SNB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 20, 2018 | M&A | Acquired Southwest Bank merger for the acquired bank | SEC |
| February 20, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 20, 2018 | Structure Change | Acquired Southwest Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 5, 2017 | M&A | Acquired First South Bank merger for the acquired bank | SEC |
| September 5, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 5, 2017 | Structure Change | Acquired First South Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 18, 2017 | M&A | Acquired Simmons First Finance Company merger for the acquired bank | SEC |
| January 18, 2017 | Structure Change | Acquired Simmons First Finance Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 22, 2016 | M&A | Acquired The Citizens National Bank of Athens merger for the acquired bank | SEC |
| October 22, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 22, 2016 | Structure Change | Acquired The Citizens National Bank of Athens Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 22, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 20, 2016 | M&A | Acquired Trust Company of the Ozarks merger for the acquired bank | SEC |
| February 20, 2016 | Structure Change | Acquired Trust Company of the Ozarks Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 5, 2015 | M&A | Acquired First State Bank merger for the acquired bank | SEC |
| September 5, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 5, 2015 | Structure Change | Acquired First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 25, 2015 | M&A | Acquired Liberty Bank merger for the acquired bank | SEC |
| April 25, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 25, 2015 | Structure Change | Acquired Liberty Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 25, 2014 | M&A | Acquired Delta Trust & Bank merger for the acquired bank | SEC |
| October 25, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 25, 2014 | Structure Change | Acquired Delta Trust & Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 9, 2014 | M&A | Acquired Simmons First Bank of South Arkansas merger for the acquired bank | SEC |
| August 9, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 9, 2014 | Structure Change | Acquired Simmons First Bank of South Arkansas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 17, 2014 | M&A | Acquired Simmons First Bank of Northeast Arkansas merger for the acquired bank | SEC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 42 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Simmons Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action September 16, 2021. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 7.4% of deposits in AR, rank 3 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 4,871 applications, 3,125 loans originated, $921.0M originated, across 25 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 10 loans, $7.5M approved, $746K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 75 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Simmons Bank
What are Simmons Bank's total assets?
As of the Q2 2026 filing, Simmons Bank reported total assets of $24.73 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Simmons Bank headquartered?
Simmons Bank is headquartered in Pine Bluff, AR, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Simmons Bank founded?
Simmons Bank was established in 1903, per the FDIC institution directory.
Is Simmons Bank FDIC-insured?
Yes. Simmons Bank is an FDIC-insured commercial bank (FDIC Certificate #3890). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Simmons Bank?
Simmons Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Simmons Bank's CET1 capital ratio?
Simmons Bank reported a Common Equity Tier 1 (CET1) capital ratio of 10.44% in its Q2 2026 call report, above regulatory requirements.
How many branches does Simmons Bank operate?
Simmons Bank operates 229 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Simmons Bank's Texas Ratio?
Simmons Bank's Texas Ratio is 8.36% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Simmons Bank previously called?
The charter now named Simmons Bank has also operated as Simmons First National Bank (1995-2016), per FDIC structure-change records.
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