Simmons Bank
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Data as of · sourced from FFIEC call reports. How we update
Simmons Bank is an FDIC-insured commercial bank headquartered in Pine Bluff, AR, established in 1903 (FDIC certificate 3890), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $24.73B, down 7.1% from Q2 2025, the 3rd largest of 78 banks headquartered in Arkansas. Its CET1 capital ratio was 10.44% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 3890
- Headquarters
- Pine Bluff, AR
- Established
- 1903
- Total assets, Q2 2026
- $24.73B
- Assets vs Q2 2025
- -7.1%
- CET1 ratio, Q2 2026
- 10.44%
- Domestic offices
- 230 FDIC institution directory, current count
- Routing number
- 082900432
- Latest call report
- Q2 2026, FFIEC 041 · Simmons Bank call report
- Holding company
- SIMMONS FIRST NATIONAL CORPORATION
- Asset rank in state
- 3rd of 78 in Arkansas
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 0.92% and a Texas ratio of 8.36%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Simmons Bank is the 3rd largest of the 78 banks headquartered in Arkansas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.3% to $24.73B, loans rose 0.7% and deposits fell 2.3%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 27.6% of total loans, ahead of 1-4 family residential loans at 14.3%. Judged on its Q2 2026 call report, Simmons Bank meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 230 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Simmons Bank's total assets ranged from $24.16B (Q3 2025) to $27.52B (Q3 2023), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$24.73B total assets against $26.63B; $21.50B total liabilities against $23.05B.
$17.84B net loans and leases against $16.87B; $19.93B total deposits against $22.09B.
$3.10B securities against $6.02B; $589.6M cash and balances due against $644.6M.
$307.6M total interest income against $315.0M; $104.9M total interest expense against $136.9M.
$202.6M net interest income against $178.1M.
$52.6M total noninterest income against $46.8M; $146.9M total noninterest expense against $137.9M.
$17.4M provision for credit losses against $11.9M.
$72.1M net income against $63.4M.
1.16% return on assets against 0.94%; 3.74% net interest margin against 3.05%.
10.44% CET1 capital ratio against 12.53%; 9.18% tier 1 leverage ratio against 10.07%.
Inside the full Simmons Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 86 of 4,196, for total assets; its furthest is 2,048 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -8.73% (Q3 2025) to 1.38% (Q4 2025) and its net interest margin ran from 2.77% (Q3 2024) to 3.78% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.44% | 1.16% | 0.92% | 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% | 0.92% | 6.64% | 3.05% |
| Q1 2025 | 12.44% | 0.63% | 0.89% | 6.46% | 2.92% |
| Q4 2024 | 12.59% | 0.83% | 0.65% | 4.78% | 2.90% |
| Q3 2024 | 12.31% | 0.48% | 0.59% | 4.12% | 2.77% |
Swipe the table sideways to see every column.
Branch Network
View all 229 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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 | 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 |
| April 9, 2022 | M&A | Acquired Spirit of Texas Bank, SSB merger for the acquired bank | SEC |
| 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 Eldorado 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
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 2 against individuals associated with it
- Period: Most recent action August 20, 2026. 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
- 74 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Simmons Bank headquartered?
It is headquartered in Pine Bluff, AR, United States.
When was Simmons Bank founded?
It was established in 1903, per the FDIC institution directory.
Is Simmons Bank FDIC-insured?
Yes. It 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.
What is Simmons Bank's CET1 capital ratio?
It 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?
It operates 230 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?
Its Texas Ratio is 8.36% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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