Simmons Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 18.66 percentage points in Q2 2026, from 162.79% to 144.12%. It was the largest change from Q1 2026 among the key lines here. Within Arkansas, Simmons Bank is 52nd of 78 on return on assets, 1.16% as of Q2 2026, below the middle of the field. The median for banks in the $10B-100B asset tier is 1.30% on return on assets. Simmons Bank sits 0.14 points lower, at 1.16% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.44% |
| Tier 1 risk-based capital ratio | 10.44% |
| Total risk-based capital ratio | 11.69% |
| Tier 1 leverage ratio | 9.18% |
| Equity capital to assets | 13.09% |
| Tangible equity to tangible assets | 7.88% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.91% |
| Non-performing assets ratio | 0.71% |
| Net charge-off ratio | 0.20% |
| Texas ratio | 8.53% |
| Allowance for credit losses to loans | 1.32% |
| Reserve coverage of non-performing loans | 144.12% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.16% |
| Return on equity | 8.96% |
| Net interest margin | 3.74% |
| Efficiency ratio | 55.86% |
| Yield on earning assets | 5.65% |
| Cost of funds | 1.99% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.70% |
| Core deposits to total deposits | 83.97% |
| Brokered deposits to total deposits | 9.10% |
| Deposits to assets | 80.59% |
| Securities to assets | 12.52% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.82% | 12.82% | 13.62% | 9.93% | 0.78% |
| Q4 2023 | 12.96% | 12.96% | 13.79% | 10.05% | 0.46% |
| Q1 2024 | 12.19% | 12.19% | 13.22% | 9.64% | 0.72% |
| Q2 2024 | 12.22% | 12.22% | 13.27% | 9.66% | 0.73% |
| Q3 2024 | 12.31% | 12.31% | 13.38% | 9.77% | 0.48% |
| Q4 2024 | 12.59% | 12.59% | 13.68% | 9.90% | 0.83% |
| Q1 2025 | 12.44% | 12.44% | 13.69% | 9.99% | 0.63% |
| Q2 2025 | 12.53% | 12.53% | 13.78% | 10.07% | 0.94% |
| Q3 2025 | 10.25% | 10.25% | 11.50% | 8.49% | -8.73% |
| Q4 2025 | 10.56% | 10.56% | 11.80% | 9.13% | 1.38% |
| Q1 2026 | 10.45% | 10.45% | 11.69% | 9.15% | 1.23% |
| Q2 2026 | 10.44% | 10.44% | 11.69% | 9.18% | 1.16% |
Simmons Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Simmons Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)