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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Pine Bluff, AR · FDIC certificate #3890 · RSSD 663245
SIMMONS BANK is an FDIC-insured institution based in Pine Bluff, AR (FDIC certificate #3890). In its Q3 2026 Call Report it reported total assets of $24.0B, total deposits of $18.8B and net loans of $17.2B. Its primary federal regulator is FED. Its current parent is SIMMONS FIRST NATIONAL CORPORATION.
Plain-language readout
SIMMONS BANK is compared with 107 verified institutions in its asset cohort for Q3 2026. A percentile of 50 means the bank sits at the cohort median; higher means a larger value than most peers, which is better or worse depending on the metric.
Brokered deposits to domestic deposits: SIMMONS BANK reported 0.091, in the 80.2th percentile of 107 peers, where the median is 0.032. Common equity tier 1 ratio: SIMMONS BANK reported 0.104, in the 0.0th percentile of 108 peers, where the median is 0.130. Selected CRE loans to gross loans and leases: SIMMONS BANK reported 0.574, in the 83.3th percentile of 103 peers, where the median is 0.425. Selected CRE loans to total capital: SIMMONS BANK reported 4.280, in the 94.3th percentile of 106 peers, where the median is 2.786. Domestic secured CRE noncurrent ratio: SIMMONS BANK reported 0.006, in the 51.0st percentile of 101 peers, where the median is 0.006. Deposit funding ratio: SIMMONS BANK reported 0.806, in the 34.2th percentile of 112 peers, where the median is 0.828. Unadjusted YTD efficiency ratio: SIMMONS BANK reported 0.568, in the 51.9th percentile of 107 peers, where the median is 0.562. Bank equity to assets: SIMMONS BANK reported 0.131, in the 73.8th percentile of 108 peers, where the median is 0.117. Cash and securities to assets: SIMMONS BANK reported 0.148, in the 13.1th percentile of 108 peers, where the median is 0.224. Quarterly loan growth: SIMMONS BANK reported 0.007, in the 32.4th percentile of 106 peers, where the median is 0.015. Loan-to-asset ratio: SIMMONS BANK reported 0.721, in the 59.5th percentile of 112 peers, where the median is 0.697. Domestic loans to domestic deposits: SIMMONS BANK reported 0.907, in the 67.0th percentile of 107 peers, where the median is 0.870. Net interest margin: SIMMONS BANK reported 3.847, in the 65.8th percentile of 112 peers, where the median is 3.648. Net loans and leases: SIMMONS BANK reported 17840594.000, in the 71.2th percentile of 112 peers, where the median is 13066058.500. Nonaccrual loans ratio: SIMMONS BANK reported 0.009, in the 81.9th percentile of 106 peers, where the median is 0.006. Noncurrent loans ratio: SIMMONS BANK reported 0.009, in the 71.4th percentile of 106 peers, where the median is 0.007. Return on assets: SIMMONS BANK reported 1.205, in the 46.8th percentile of 112 peers, where the median is 1.230. Return on equity: SIMMONS BANK reported 9.240, in the 34.6th percentile of 108 peers, where the median is 10.625. Securities to assets: SIMMONS BANK reported 0.124, in the 31.8th percentile of 108 peers, where the median is 0.162. Selected unused commitments to assets: SIMMONS BANK reported 0.043, in the 65.4th percentile of 108 peers, where the median is 0.025. Time deposits maturing within one year: SIMMONS BANK reported 0.963, in the 67.6th percentile of 103 peers, where the median is 0.944. Total assets: SIMMONS BANK reported 24732685.000, in the 67.6th percentile of 112 peers, where the median is 19753629.500. Total deposits: SIMMONS BANK reported 19932156.000, in the 64.9th percentile of 112 peers, where the median is 16174213.500. Efficiency ratio (official UBPR): SIMMONS BANK reported 0.563, in the 50.5th percentile of 108 peers, where the median is 0.562. Net interest margin (official UBPR): SIMMONS BANK reported 0.037, in the 57.0th percentile of 108 peers, where the median is 0.036. Interest Income (TE) as a percent of Average Assets: SIMMONS BANK reported 0.049, in the 49.5th percentile of 108 peers, where the median is 0.049. Interest Expense as a percent of Average Assets: SIMMONS BANK reported 0.016, in the 51.4th percentile of 108 peers, where the median is 0.016. Net Interest Income (TE) % of Avg Assets: SIMMONS BANK reported 0.033, in the 43.0rd percentile of 108 peers, where the median is 0.034. Noninterest Income as a percent of Average Assets: SIMMONS BANK reported 0.008, in the 64.5th percentile of 108 peers, where the median is 0.007. Non-Interest Expense as a percent of Average Assets: SIMMONS BANK reported 0.023, in the 56.1th percentile of 108 peers, where the median is 0.023. Provision for Loan Losses % of Avg Assets: SIMMONS BANK reported 0.003, in the 80.4th percentile of 108 peers, where the median is 0.001. Pretax Operating Income (TE) % of Avg Assets: SIMMONS BANK reported 0.015, in the 42.1th percentile of 108 peers, where the median is 0.017. Realized Gains(Losses) on the sale of Securities as a percent of Average Assets: SIMMONS BANK reported 0.000, in the 13.1th percentile of 108 peers, where the median is 0.000. Pretax Net Operating Income (TE) as a percent of Average Assets: SIMMONS BANK reported 0.015, in the 43.0rd percentile of 108 peers, where the median is 0.016. Net Operating Income as a percent of Average Assets: SIMMONS BANK reported 0.012, in the 42.1th percentile of 108 peers, where the median is 0.012. Net Income Adjusted for Sub Chapter S Status as a percent of Average Assets: SIMMONS BANK reported 0.012, in the 43.0rd percentile of 108 peers, where the median is 0.012. Average Earning Assets as a percent of Average Assets: SIMMONS BANK reported 0.878, in the 1.9th percentile of 108 peers, where the median is 0.937. Average Interest-Bearing Funds as a percent of Average Assets: SIMMONS BANK reported 0.656, in the 30.8th percentile of 108 peers, where the median is 0.717. Interest Income (TE) as a percent of Average Earning Assets: SIMMONS BANK reported 0.056, in the 67.3th percentile of 108 peers, where the median is 0.053. Net Interest Income (TE) as a percent of Average Earning Assets: SIMMONS BANK reported 0.037, in the 58.9th percentile of 108 peers, where the median is 0.036. Net Loss as a percent of Average Total Loans and Leases: SIMMONS BANK reported 0.002, in the 64.8th percentile of 106 peers, where the median is 0.001. Total LN&LS-30-89 DAYS Past Due %: SIMMONS BANK reported 0.003, in the 44.8th percentile of 106 peers, where the median is 0.003. Net Loans & Leases as a percent of Total Deposits: SIMMONS BANK reported 0.895, in the 67.0th percentile of 107 peers, where the median is 0.858. Net Income Attributed to Minority Interests as a percent of Average Assets: SIMMONS BANK reported 0.000, in the 0.9th percentile of 108 peers, where the median is 0.000. Unrealized holding gains (losses) on equity securities not held for trading as a percent of average assets: SIMMONS BANK reported 0.000, in the 3.7th percentile of 108 peers, where the median is 0.000. Provision for Losses Other Assets % of Avg Assets: SIMMONS BANK reported 0.000, in the 21.5th percentile of 108 peers, where the median is 0.000. Pre Provision Net Revenue YTD % of Average Assets (TE): SIMMONS BANK reported 0.018, in the 50.5th percentile of 108 peers, where the median is 0.018. Return on assets (official UBPR): SIMMONS BANK reported 0.012, in the 42.1th percentile of 108 peers, where the median is 0.012. Return on equity (official UBPR): SIMMONS BANK reported 0.092, in the 34.6th percentile of 108 peers, where the median is 0.106. Estimated uninsured to domestic deposits: SIMMONS BANK reported 0.362, in the 43.4th percentile of 107 peers, where the median is 0.383.
Peer history below covers 43 quarters of SIMMONS BANK's reported assets, deposits, net loans, ROA, ROE and NIM, most recently Q3 2026.
| Metric | Bank value | Peer median | Percentile | Peers |
|---|---|---|---|---|
| Brokered deposits to domestic deposits | 0.091 | 0.032 | 80.2th | 107 |
| Common equity tier 1 ratio | 0.104 | 0.130 | 0.0th | 108 |
| Selected CRE loans to gross loans and leases | 0.574 | 0.425 | 83.3th | 103 |
| Selected CRE loans to total capital | 4.280 | 2.786 | 94.3th | 106 |
| Domestic secured CRE noncurrent ratio | 0.006 | 0.006 | 51.0st | 101 |
| Deposit funding ratio | 0.806 | 0.828 | 34.2th | 112 |
| Unadjusted YTD efficiency ratio | 0.568 | 0.562 | 51.9th | 107 |
| Bank equity to assets | 0.131 | 0.117 | 73.8th | 108 |
| Cash and securities to assets | 0.148 | 0.224 | 13.1th | 108 |
| Quarterly loan growth | 0.007 | 0.015 | 32.4th | 106 |
| Loan-to-asset ratio | 0.721 | 0.697 | 59.5th | 112 |
| Domestic loans to domestic deposits | 0.907 | 0.870 | 67.0th | 107 |
| Net interest margin | 3.847 | 3.648 | 65.8th | 112 |
| Net loans and leases | 17840594.000 | 13066058.500 | 71.2th | 112 |
| Nonaccrual loans ratio | 0.009 | 0.006 | 81.9th | 106 |
| Noncurrent loans ratio | 0.009 | 0.007 | 71.4th | 106 |
| Return on assets | 1.205 | 1.230 | 46.8th | 112 |
| Return on equity | 9.240 | 10.625 | 34.6th | 108 |
| Securities to assets | 0.124 | 0.162 | 31.8th | 108 |
| Selected unused commitments to assets | 0.043 | 0.025 | 65.4th | 108 |
| Time deposits maturing within one year | 0.963 | 0.944 | 67.6th | 103 |
| Total assets | 24732685.000 | 19753629.500 | 67.6th | 112 |
| Total deposits | 19932156.000 | 16174213.500 | 64.9th | 112 |
| Efficiency ratio (official UBPR) | 0.563 | 0.562 | 50.5th | 108 |
| Net interest margin (official UBPR) | 0.037 | 0.036 | 57.0th | 108 |
| Interest Income (TE) as a percent of Average Assets | 0.049 | 0.049 | 49.5th | 108 |
| Interest Expense as a percent of Average Assets | 0.016 | 0.016 | 51.4th | 108 |
| Net Interest Income (TE) % of Avg Assets | 0.033 | 0.034 | 43.0rd | 108 |
| Noninterest Income as a percent of Average Assets | 0.008 | 0.007 | 64.5th | 108 |
| Non-Interest Expense as a percent of Average Assets | 0.023 | 0.023 | 56.1th | 108 |
| Provision for Loan Losses % of Avg Assets | 0.003 | 0.001 | 80.4th | 108 |
| Pretax Operating Income (TE) % of Avg Assets | 0.015 | 0.017 | 42.1th | 108 |
| Realized Gains(Losses) on the sale of Securities as a percent of Average Assets | 0.000 | 0.000 | 13.1th | 108 |
| Pretax Net Operating Income (TE) as a percent of Average Assets | 0.015 | 0.016 | 43.0rd | 108 |
| Net Operating Income as a percent of Average Assets | 0.012 | 0.012 | 42.1th | 108 |
| Net Income Adjusted for Sub Chapter S Status as a percent of Average Assets | 0.012 | 0.012 | 43.0rd | 108 |
| Average Earning Assets as a percent of Average Assets | 0.878 | 0.937 | 1.9th | 108 |
| Average Interest-Bearing Funds as a percent of Average Assets | 0.656 | 0.717 | 30.8th | 108 |
| Interest Income (TE) as a percent of Average Earning Assets | 0.056 | 0.053 | 67.3th | 108 |
| Net Interest Income (TE) as a percent of Average Earning Assets | 0.037 | 0.036 | 58.9th | 108 |
| Net Loss as a percent of Average Total Loans and Leases | 0.002 | 0.001 | 64.8th | 106 |
| Total LN&LS-30-89 DAYS Past Due % | 0.003 | 0.003 | 44.8th | 106 |
| Net Loans & Leases as a percent of Total Deposits | 0.895 | 0.858 | 67.0th | 107 |
| Net Income Attributed to Minority Interests as a percent of Average Assets | 0.000 | 0.000 | 0.9th | 108 |
| Unrealized holding gains (losses) on equity securities not held for trading as a percent of average assets | 0.000 | 0.000 | 3.7th | 108 |
| Provision for Losses Other Assets % of Avg Assets | 0.000 | 0.000 | 21.5th | 108 |
| Pre Provision Net Revenue YTD % of Average Assets (TE) | 0.018 | 0.018 | 50.5th | 108 |
| Return on assets (official UBPR) | 0.012 | 0.012 | 42.1th | 108 |
| Return on equity (official UBPR) | 0.092 | 0.106 | 34.6th | 108 |
| Estimated uninsured to domestic deposits | 0.362 | 0.383 | 43.4th | 107 |
Peers
| Ratio | Value | Peer median | Percentile | Band | Direction |
|---|---|---|---|---|---|
| Brokered deposits to domestic deposits | 0.091 | 0.032 | 80 | Bottom 20% | lower is better |
| Common equity tier 1 ratio | 0.104 | 0.130 | 0 | Bottom 20% | higher is better |
| Selected CRE loans to gross loans and leases | 0.574 | 0.425 | 83 | No band | no single better direction |
| Selected CRE loans to total capital | 4.280 | 2.786 | 94 | No band | no single better direction |
| Domestic secured CRE noncurrent ratio | 0.006 | 0.006 | 51 | 36–50% | lower is better |
| Deposit funding ratio | 0.806 | 0.828 | 34 | No band | no single better direction |
| Unadjusted YTD efficiency ratio | 0.568 | 0.562 | 52 | 36–50% | lower is better |
| Bank equity to assets | 0.131 | 0.117 | 74 | Top 50% | higher is better |
| Cash and securities to assets | 0.148 | 0.224 | 13 | Bottom 20% | higher is better |
| Quarterly loan growth | 0.007 | 0.015 | 32 | No band | no single better direction |
| Loan-to-asset ratio | 0.721 | 0.697 | 59 | No band | no single better direction |
| Domestic loans to domestic deposits | 0.907 | 0.870 | 67 | No band | no single better direction |
| Net interest margin | 3.847 | 3.648 | 66 | Top 50% | higher is better |
| Net loans and leases | 17840594.000 | 13066058.500 | 71 | No band | no single better direction |
| Nonaccrual loans ratio | 0.009 | 0.006 | 82 | Bottom 20% | lower is better |
| Noncurrent loans ratio | 0.009 | 0.007 | 71 | 21–35% | lower is better |
| Return on assets | 1.205 | 1.230 | 47 | 36–50% | higher is better |
| Return on equity | 9.240 | 10.625 | 35 | 21–35% | higher is better |
| Securities to assets | 0.124 | 0.162 | 32 | No band | no single better direction |
| Selected unused commitments to assets | 0.043 | 0.025 | 65 | No band | no single better direction |
| Time deposits maturing within one year | 0.963 | 0.944 | 68 | No band | no single better direction |
| Total assets | 24732685.000 | 19753629.500 | 68 | No band | no single better direction |
| Total deposits | 19932156.000 | 16174213.500 | 65 | No band | no single better direction |
| Efficiency ratio (official UBPR) | 0.563 | 0.562 | 50 | 36–50% | lower is better |
| Net interest margin (official UBPR) | 0.037 | 0.036 | 57 | No band | no single better direction |
| Interest Income (TE) as a percent of Average Assets | 0.049 | 0.049 | 50 | No band | no single better direction |
| Interest Expense as a percent of Average Assets | 0.016 | 0.016 | 51 | No band | no single better direction |
| Net Interest Income (TE) % of Avg Assets | 0.033 | 0.034 | 43 | No band | no single better direction |
| Noninterest Income as a percent of Average Assets | 0.008 | 0.007 | 64 | No band | no single better direction |
| Non-Interest Expense as a percent of Average Assets | 0.023 | 0.023 | 56 | No band | no single better direction |
| Provision for Loan Losses % of Avg Assets | 0.003 | 0.001 | 80 | No band | no single better direction |
| Pretax Operating Income (TE) % of Avg Assets | 0.015 | 0.017 | 42 | No band | no single better direction |
| Realized Gains(Losses) on the sale of Securities as a percent of Average Assets | 0.000 | 0.000 | 13 | No band | no single better direction |
| Pretax Net Operating Income (TE) as a percent of Average Assets | 0.015 | 0.016 | 43 | No band | no single better direction |
| Net Operating Income as a percent of Average Assets | 0.012 | 0.012 | 42 | No band | no single better direction |
| Net Income Adjusted for Sub Chapter S Status as a percent of Average Assets | 0.012 | 0.012 | 43 | No band | no single better direction |
| Average Earning Assets as a percent of Average Assets | 0.878 | 0.937 | 2 | No band | no single better direction |
| Average Interest-Bearing Funds as a percent of Average Assets | 0.656 | 0.717 | 31 | No band | no single better direction |
| Interest Income (TE) as a percent of Average Earning Assets | 0.056 | 0.053 | 67 | No band | no single better direction |
| Net Interest Income (TE) as a percent of Average Earning Assets | 0.037 | 0.036 | 59 | No band | no single better direction |
| Net Loss as a percent of Average Total Loans and Leases | 0.002 | 0.001 | 65 | No band | no single better direction |
| Total LN&LS-30-89 DAYS Past Due % | 0.003 | 0.003 | 45 | No band | no single better direction |
| Net Loans & Leases as a percent of Total Deposits | 0.895 | 0.858 | 67 | No band | no single better direction |
| Net Income Attributed to Minority Interests as a percent of Average Assets | 0.000 | 0.000 | 1 | No band | no single better direction |
| Unrealized holding gains (losses) on equity securities not held for trading as a percent of average assets | 0.000 | 0.000 | 4 | No band | no single better direction |
| Provision for Losses Other Assets % of Avg Assets | 0.000 | 0.000 | 21 | No band | no single better direction |
| Pre Provision Net Revenue YTD % of Average Assets (TE) | 0.018 | 0.018 | 50 | No band | no single better direction |
| Return on assets (official UBPR) | 0.012 | 0.012 | 42 | No band | no single better direction |
| Return on equity (official UBPR) | 0.092 | 0.106 | 35 | No band | no single better direction |
| Estimated uninsured to domestic deposits | 0.362 | 0.383 | 43 | Top 50% | lower is better |
Peers
| Measure | This bank | Change in peer median | Difference | Peer percentile today |
|---|---|---|---|---|
| Total assets | -7.12% | 4.70% | -11.82 pts | 68 |
| Total deposits | -9.76% | 7.20% | -16.96 pts | 65 |
| Net loans and leases | 5.72% | 0.77% | +4.95 pts | 71 |
The peer figure is the change in the peer-group median, which is not the same as the median of each peer's own growth. Treat it as a guide to whether the bank is growing faster or slower than its group.
Peers
Share of the 15 closest banks by size (in the same state) that grew or shrank last quarter.
| Measure | Growing | Shrinking | Banks reporting |
|---|---|---|---|
| Total assets | 53.33% | 46.67% | 15 |
| Total deposits | 60.00% | 40.00% | 15 |
| Net loans and leases | 86.67% | 13.33% | 15 |
Quarter-over-quarter change from each bank's latest filing. A bank with no change counts in neither column. Credit events such as new nonaccrual loans need each peer's own filings and are not shown here.
Based on the 15 closest banks by size.
Peer interpretation
$10B–$50B asset cohort · 106 institutions
Deterministic peer comparison, not a regulatory rating or diagnosis. “Opportunity” means lower favorable percentile within this asset cohort.
Period-matched peer context
Percentiles use 107 verified constituents for the same filing period.
Historical peer positioning
Period-matched asset cohort. Position describes the distribution only; it is not a rating.
| Metric | 2023-12 | 2024-03 | 2024-06 | 2024-09 | 2024-12 | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 | 2026-09 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total assetsASSET | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | — |
| Total depositsDEP | > P75 | P25–75 | P25–75 | > P75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | — |
| Net loansLNLSNET | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | — |
| Return on assetsROA | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | < P25 | P25–75 | < P25 | < P25 | P25–75 | P25–75 | — |
| Return on equityROE | < P25 | < P25 | P25–75 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | P25–75 | P25–75 | — |
| Net interest marginNIMY | < P25 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | — |
Cohorts are matched separately for each reporting period. Above or below a peer quartile can be favorable, unfavorable, or neutral depending on the measure and context.