Simmons Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Retained earnings: 12.8% higher than in Q1 2026, at $150.7M. Simmons Bank ranks 33rd of 37 Arkansas banks on CET1 ratio, in the lower half at 10.44% (Q2 2026). Simmons Bank reported 10.44% on CET1 ratio for Q2 2026, 2.51 points below the 12.96% median for banks in the $10B-100B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.44% |
| Tier 1 risk-based capital ratio | 10.44% |
| Total risk-based capital ratio | 11.69% |
| Tier 1 leverage ratio | 9.18% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $2.16B |
| Tier 1 capital | $2.16B |
| Total risk-based capital | $2.42B |
| Total equity capital | $3.24B |
| Risk-weighted assets | $20.72B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.09% |
| Tangible equity to tangible assets | 7.88% |
| Equity capital to average assets | 12.98% |
| Internal capital growth rate | 2.14% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $35K |
| Common stock surplus | $3.38B |
| Retained earnings | $150.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$294.7M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.82% | 12.82% | 13.62% | 9.93% | $20.67B |
| Q4 2023 | 12.96% | 12.96% | 13.79% | 10.05% | $20.55B |
| Q1 2024 | 12.19% | 12.19% | 13.22% | 9.64% | $20.74B |
| Q2 2024 | 12.22% | 12.22% | 13.27% | 9.66% | $20.81B |
| Q3 2024 | 12.31% | 12.31% | 13.38% | 9.77% | $20.75B |
| Q4 2024 | 12.59% | 12.59% | 13.68% | 9.90% | $20.43B |
| Q1 2025 | 12.44% | 12.44% | 13.69% | 9.99% | $20.54B |
| Q2 2025 | 12.53% | 12.53% | 13.78% | 10.07% | $20.55B |
| Q3 2025 | 10.25% | 10.25% | 11.50% | 8.49% | $19.80B |
| Q4 2025 | 10.56% | 10.56% | 11.80% | 9.13% | $20.06B |
| Q1 2026 | 10.45% | 10.45% | 11.69% | 9.15% | $20.52B |
| Q2 2026 | 10.44% | 10.44% | 11.69% | 9.18% | $20.72B |
Simmons Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Simmons Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Simmons Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3890) · FFIEC NIC profile (RSSD 663245)