Simmons Bank

What sets Simmons Bank apart

• Over the year to Q2 2026, the total deposits of Simmons Bank fell by 9.8% to $19.9 bn, a bigger fall than at 99% of covered banks.
• Over the year to Q2 2026, the total assets of Simmons Bank fell by 7.1% to $24.7 bn, a bigger fall than at 98% of covered banks.
• Over the year to Q2 2026, the net interest margin of Simmons Bank rose by 0.85 pp to 3.85%, a bigger rise than at 98% of covered banks.

How large is Simmons Bank?

The balance sheet of Simmons Bank at Q2 2026: assets $24.7 bn, deposits $19.9 bn, net loans $17.8 bn (loans equal to 89.51% of deposits). Securities make up 12.5% of total assets at Simmons Bank. Since Q1 2016, when Simmons Bank held $7.5 bn, its assets grew 229.0%. In the year to Q2 2026, deposits at Simmons Bank fell 9.8% while its total assets fell 7.1%. At Q2 2026, Simmons Bank employed 2,899 full-time equivalent staff across 230 offices, about $8.5 mn of assets per employee and $86.7 mn of deposits per office.

How much funding at Simmons Bank is uninsured?

At Simmons Bank, uninsured deposits (above the FDIC limit) made up 36.19% of domestic deposits at Q2 2026 (-1.88 pp on a year earlier); Simmons Bank ranks 241st of 500 on this measure. In dollars, Simmons Bank estimated $7.2 bn of uninsured deposits.

Key facts, Q2 2026

US rank of Simmons Bank: 1 = highest unless marked 1 = lowest.

The CET1 ratio of Simmons Bank stood at 10.44% in Q2 2026, -2.09 pp year on year. Low and high at Simmons Bank since Q1 2016: 10.25% (Q3 2025) to 15.09% (Q1 2021). Equity capital of Simmons Bank at Q2 2026: $3.2 bn, or 13.1% of total assets. Simmons Bank also reported a total capital ratio of 11.69% for Q2 2026, and a tier 1 leverage ratio of 9.18%.

The available-for-sale portfolio of Simmons Bank showed an unrealized loss of $427.1 mn at Q2 2026; the loss narrowed by $3.2 mn over the year.

For the year to Q2 2026, Simmons Bank earned a return on equity of 9.24%; return on assets: 1.21%. Net interest margin at Simmons Bank: 3.85%, +0.85 pp in a year. Simmons Bank net income: $148.4 mn, up 40.0% year on year. The efficiency ratio of Simmons Bank was 55.56%: about 56 cents cost per revenue dollar, against 44 cents at the median peer.

At Q2 2026, noncurrent loans were 0.92% of total loans at Simmons Bank; net charge-offs: 0.20% of average loans. Gross loans and leases at Simmons Bank: $18.1 bn, up 5.6% in a year.

The peer group of Simmons Bank is the 6 banks nearest to it by total assets at Q2 2026: 3 larger and 3 smaller. Of the peers, 2 share the charter type of Simmons Bank (state member bank), 6 sit in the same size group ($10 bn to $100 bn) and 1 has its head office in Arkansas. Against them, Simmons Bank shows CET1 ratio 10.44% against a peer median of 14.84%, return on equity 9.24% against a peer median of 11.43% and uninsured deposit share 36.19% against a peer median of 42.52%.

The FDIC history of Simmons Bank, oldest first; figures before and after each event are not like for like.

1. 22 February 2016. Absorbed Simmons First Trust Company, National Association (FDIC certificate 35526).
2. 22 February 2016. Absorbed Trust Company of the Ozarks (FDIC certificate 34854).
3. 22 October 2016. Absorbed The Citizens National Bank of Athens (FDIC certificate 4917).
4. 5 September 2017. Absorbed First South Bank (FDIC certificate 9170).
5. 20 February 2018. Absorbed Southwest Bank (FDIC certificate 18812).
6. 29 May 2018. Absorbed Bank SNB (FDIC certificate 4201).
7. 13 April 2019. Absorbed Reliance Bank (FDIC certificate 35123).
8. 15 February 2020. Absorbed Landmark Bank (FDIC certificate 4537).
9. 9 October 2021. Absorbed Triumph Bank (FDIC certificate 58227).
10. 9 October 2021. Absorbed Landmark Community Bank (FDIC certificate 34982).
11. 9 April 2022. Absorbed Spirit of Texas Bank, SSB (FDIC certificate 22327).

Large one-quarter moves at Simmons Bank

• Total assets at Simmons Bank changed by +35.1% in the quarter to 2018-03-31: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Southwest Bank.
• Total assets at Simmons Bank changed by +27.3% in the quarter to 2018-06-30: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Bank SNB.