Simmons Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 6.83 percentage points in Q2 2026, from 355.18% to 348.35%. It was the largest change from Q1 2026 among the key lines here. Simmons Bank ranks 28th of 78 Arkansas banks on loan-to-deposit ratio, in the upper half at 90.70% (Q2 2026). 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).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $18.08B |
| Net loans and leases | $17.84B |
| Loans held for sale | $16.4M |
| Loans to total assets | 73.10% |
| Loan-to-deposit ratio | 90.70% |
| Net loans to equity capital | 5.51% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 40.60% |
| Multifamily (5+ residential) | 4.49% |
| Commercial and industrial | 11.92% |
| Consumer | 1.29% |
| Credit cards | 0.74% |
| Farm | 3.79% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.32% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 348.35% |
| Construction concentration (Tier 1 capital + allowance) | 107.17% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.13% |
| Interest income on loans | $274.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $16.78B | $22.39B | 38.75% | 14.85% | 1.64% |
| Q4 2023 | $16.85B | $22.41B | 38.45% | 14.86% | 1.63% |
| Q1 2024 | $17.01B | $22.51B | 37.82% | 14.79% | 1.51% |
| Q2 2024 | $17.21B | $22.12B | 38.14% | 14.54% | 1.49% |
| Q3 2024 | $17.34B | $22.23B | 38.38% | 14.33% | 1.46% |
| Q4 2024 | $17.02B | $22.17B | 38.40% | 14.39% | 1.49% |
| Q1 2025 | $17.10B | $21.96B | 38.62% | 13.98% | 1.42% |
| Q2 2025 | $17.13B | $22.09B | 37.87% | 14.36% | 1.40% |
| Q3 2025 | $17.20B | $20.74B | 37.33% | 14.04% | 1.37% |
| Q4 2025 | $17.51B | $20.73B | 39.44% | 11.80% | 1.35% |
| Q1 2026 | $17.95B | $20.41B | 40.45% | 12.01% | 1.28% |
| Q2 2026 | $18.08B | $19.93B | 40.60% | 11.92% | 1.29% |
Simmons Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Simmons Bank, freeSource: Call Report Schedule RC-C, 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)