Simmons Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Fed funds purchased and repos climbed 430.7% in Q2 2026, from $8.7M to $46.2M. It was the largest change from Q1 2026 among the key lines here. Within Arkansas, Simmons Bank is 28th of 78 on loan-to-deposit ratio, 90.70% as of Q2 2026, above the middle of the field. The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio. Simmons Bank sits 3.87 points higher, at 90.70% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $589.6M |
| Cash and noninterest-bearing balances to assets | 2.38% |
| Cash and securities | $3.69B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $46.2M |
| Other borrowed money | $1.23B |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.96% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.70% |
| Net loans and leases to deposits | 89.51% |
| Loans and leases to core deposits | 97.46% |
| Core deposits to total deposits | 83.97% |
| Brokered deposits to total deposits | 9.10% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 74.96% | 77.98% | $74.5M | $1.33B |
| Q4 2023 | 75.20% | 79.34% | $68.0M | $953.2M |
| Q1 2024 | 75.59% | 78.75% | $58.8M | $853.2M |
| Q2 2024 | 77.78% | 78.97% | $52.7M | $1.33B |
| Q3 2024 | 78.03% | 77.46% | $51.1M | $1.03B |
| Q4 2024 | 76.75% | 78.13% | $37.1M | $727.9M |
| Q1 2025 | 77.88% | 79.74% | $50.1M | $867.9M |
| Q2 2025 | 77.55% | 78.60% | $31.3M | $617.8M |
| Q3 2025 | 82.94% | 85.22% | $22.3M | $2.7M |
| Q4 2025 | 84.48% | 83.61% | $21.4M | $286.6M |
| Q1 2026 | 87.95% | 83.67% | $8.7M | $731.6M |
| Q2 2026 | 90.70% | 83.97% | $46.2M | $1.23B |
Simmons Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Simmons Bank, freeSource: Call Report Schedules RC and RC-M, 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)