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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.
Reported facts
Deterministic ratios for SIMMONS BANK from its Q3 2026 Call Report. Detailed loan and deposit composition follows below.
| Total deposits | $18.8B |
|---|---|
| Net loans and leases | $17.2B |
Plain-language readout
SIMMONS BANK in Pine Bluff, AR funds its loans with $18.8B of deposits and holds $17.2B of net loans, as reported for Q3 2026. The ratios below show how that funding, capital and credit quality compare with the amounts on the balance sheet.
No capital, liquidity or asset-quality ratios are reported for SIMMONS BANK in Q3 2026; none is estimated.
Against banks of similar size for the same filing period: Brokered deposits to domestic deposits: 0.091 against a peer median of 0.032, a 80.2th percentile position among 107 peers. Common equity tier 1 ratio: 0.104 against a peer median of 0.130, a 0.0th percentile position among 108 peers. Selected CRE loans to gross loans and leases: 0.574 against a peer median of 0.425, a 83.3th percentile position among 103 peers. Selected CRE loans to total capital: 4.280 against a peer median of 2.786, a 94.3th percentile position among 106 peers.
The loan-to-deposit ratio computed from net loans and total deposits was 91.45% in Q3 2026, against 74.19% in Q4 2023. A rising ratio means the bank is lending a larger share of its deposits.
| Quarter | Net loans | Deposits | Loan-to-deposit |
|---|---|---|---|
| Q3 2026 | $17.2B | $18.8B | 91.45% |
| Q2 2026 | $17.8B | $19.9B | 89.51% |
| Q1 2026 | $17.7B | $20.4B | 86.82% |
| Q4 2025 | $17.3B | $20.7B | 83.40% |
| Q3 2025 | $16.9B | $20.7B | 81.70% |
| Q2 2025 | $16.9B | $22.1B | 76.40% |
| Q1 2025 | $16.9B | $22.0B | 76.73% |
| Q4 2024 | $16.8B | $22.2B | 75.69% |
| Q3 2024 | $17.1B | $22.2B | 76.98% |
| Q2 2024 | $17.0B | $22.1B | 76.74% |
| Q1 2024 | $16.8B | $22.5B | 74.58% |
| Q4 2023 | $16.6B | $22.4B | 74.19% |
Line-by-line detail on this page is rebuilt from the Q2 2026 Call Report schedules and earlier quarters. Peer comparisons use banks with $10-50 billion in assets for the same quarter.
Deposits
| Type | Amount | Share of deposits | Peer median share | Position among peers | Call Report fields |
|---|---|---|---|---|---|
| Transaction accounts | $8.93B | 44.80% | 40.68% | No band 57th percentile of 107 peers | RCON2215 |
| Savings deposits (excluding money market deposit accounts) | $871.1M | 4.37% | 7.14% | No band 30th percentile of 107 peers | RCON0352 |
| Money market deposit accounts | $5.89B | 29.54% | 27.52% | No band 56th percentile of 107 peers | RCON6810 |
| Time deposits (total) | $4.24B | 21.30% | 15.72% | No band 69th percentile of 107 peers | RCON2385, RCON0352, RCON6810 |
| Time deposits of $250,000 or less | $2.86B | 14.36% | 10.65% | No band 72nd percentile of 107 peers | RCON6648, RCONJ473 |
| Time deposits over $250,000 | $1.38B | 6.94% | 4.72% | No band 77th percentile of 107 peers | RCONJ474 |
| Total deposits | $19.93B | 100.00% | Not reported | Not reported | RCON2200 |
| IRA and Keogh plan accounts (memo) | $221.0M | 1.11% | Not reported | Not reported | RCON6835 |
| Volatile liabilities | $4.47B | 22.42% | Not reported | Not reported | RCON2365, RCONJ474, RCONK220, RCON3190, RCONK223 |
The types above add up to total deposits. Volatile liabilities. OptimaYield definition: brokered deposits + time deposits over $250K - brokered over $250K (counted twice otherwise) + listing-service deposits + other borrowed money, fed funds purchased, repurchase agreements and subordinated debt.
Pricing
| Category | Q2 2026 | Q1 2026 | Peer median | Position among peers | Change |
|---|---|---|---|---|---|
| Yield on loans and leases | 6.11% | 6.05% | 5.96% | No band 60th percentile of 106 peers | +0.06 pts |
| Yield on interest-bearing balances due from banks | 4.12% | 3.69% | 3.67% | No band 94th percentile of 108 peers | +0.43 pts |
| Total interest income to average assets | 4.93% | 4.86% | 4.97% | No band 47th percentile of 108 peers | +0.07 pts |
| Cost of interest-bearing transaction accounts | 2.07% | 1.96% | 1.95% | 36–50% 55th percentile of 103 peers, lower is better | +0.10 pts |
| Cost of savings and money market deposits | 2.12% | 2.11% | 2.00% | 36–50% 54th percentile of 107 peers, lower is better | +0.02 pts |
| Cost of time deposits | 3.36% | 3.42% | 3.43% | Top 50% 39th percentile of 103 peers, lower is better | -0.06 pts |
| Total interest expense to average assets | 1.68% | 1.60% | 1.64% | 36–50% 52nd percentile of 108 peers, lower is better | +0.08 pts |
Each rate takes the quarter's interest (year-to-date interest less the prior quarter's year to date), annualizes it by multiplying by four, and divides by the quarter's average balance. Peer rates by category are not shown yet.
Loans
| Bucket | Amount | Call Report fields |
|---|---|---|
| Closed-end 1-4 family first liens: 3 months or less | $295.4M | RCONA564 |
| Closed-end 1-4 family first liens: Over 3 months through 12 months | $294.0M | RCONA565 |
| Closed-end 1-4 family first liens: Over 1 year through 3 years | $305.3M | RCONA566 |
| Closed-end 1-4 family first liens: Over 3 years through 5 years | $154.1M | RCONA567 |
| Closed-end 1-4 family first liens: Over 5 years through 15 years | $167.1M | RCONA568 |
| Closed-end 1-4 family first liens: Over 15 years | $944.7M | RCONA569 |
| All other loans and leases: 3 months or less | $8.85B | RCONA570 |
| All other loans and leases: Over 3 months through 12 months | $2.12B | RCONA571 |
| All other loans and leases: Over 1 year through 3 years | $2.49B | RCONA572 |
| All other loans and leases: Over 3 years through 5 years | $1.22B | RCONA573 |
| All other loans and leases: Over 5 years through 15 years | $831.1M | RCONA574 |
| All other loans and leases: Over 15 years | $247.6M | RCONA575 |
| Item | Amount | Call Report fields |
|---|---|---|
| Held for sale: nonaccrual | $0K | RCONC226 |
| Held for sale: 30-89 days past due | $0K | RCONC240 |
| Held for sale: 90+ days past due | $0K | RCONC241 |
| Additions to nonaccrual assets during the quarter | $78.4M | RCONC410 |
| Nonaccrual assets sold during the quarter | $14.7M | RCONC411 |
| Paycheck Protection Program loans outstanding | $0K | RCONLG27 |
| Extensions of credit to executive officers, directors and principal shareholders | $1.4M | RCON6164 |
| Loans and leases pledged | $13.97B | RCONG378 |
| Loans pledged, share of loans Loans pledged as collateral divided by loans and leases net of unearned income. | 77.35% | RCONG378, RCONB528 |