Simmons Bank
Pine Bluff, Arkansas, Jefferson County
$24.7B in total assets, the 90th largest of 4,309 US banks and 3rd of 78 headquartered in Arkansas.
- FDIC certificate
- 3890
- Established
- 1903
- Owned by
- Simmons First National Corp
- Primary regulator
- FED
- Website
- www.simmonsbank.com
At a glance
Compared with 132 US banks with $10 billion to $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $24.7B | 57% | $22.4B | |
| Loans | $18.1B | 61% | $14.4B | |
| Deposits | $19.9B | 55% | $18.0B | |
| Return on assets | -1.28% | 2% | 1.30% | |
| Net interest margin | 3.85% | 67% | 3.61% | |
| Efficiency ratio | 55.6% | 53% | 55.1% | |
| Equity to assets | 13.09% | 75% | 11.57% | |
| Loans to deposits | 91% | 66% | 87% |
Growth
Total assets grew 1.1% a year over the last 5 years and 12.7% a year over 10 years, including 9 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Apr 2022 | Spirit of Texas Bank, SSB College Station, TX | $3.2B |
| Oct 2021 | Landmark Community Bank Collierville, TN | $979M |
| Oct 2021 | Triumph Bank Memphis, TN | $855M |
| Feb 2020 | Landmark Bank Columbia, MO, an affiliate under the same holding company | $3.6B |
| Apr 2019 | Reliance Bank Des Peres, MO | $1.5B |
| May 2018 | Bank SNB Stillwater, OK, an affiliate under the same holding company | $2.9B |
| Feb 2018 | Southwest Bank Fort Worth, TX, an affiliate under the same holding company | $2.9B |
| Sep 2017 | First South Bank Jackson, TN, an affiliate under the same holding company | $484M |
| Oct 2016 | The Citizens National Bank of Athens Athens, TN, an affiliate under the same holding company | $551M |
| Feb 2016 | (unknown, CERT 35526) , AR | $6M |
| Sep 2015 | First State Bank Union City, TN, an affiliate under the same holding company | $1.9B |
| Apr 2015 | Liberty Bank Springfield, MO, an affiliate under the same holding company | $1.1B |
| Oct 2014 | Delta Trust & Bank Parkdale, AR, an affiliate under the same holding company | $435M |
| Aug 2014 | Simmons First Bank of Eldorado El Dorado, AR, an affiliate under the same holding company | $231M |
| Aug 2014 | Simmons First Bank of South Arkansas Lake Village, AR, an affiliate under the same holding company | $189M |
| Aug 2014 | Simmons First Bank of Russellville Russellville, AR, an affiliate under the same holding company | $194M |
| May 2014 | Simmons First Bank of Northeast Arkansas Jonesboro, AR, an affiliate under the same holding company | $361M |
| May 2014 | Simmons First Bank of Hot Springs Hot Springs, AR, an affiliate under the same holding company | $166M |
| May 2014 | Simmons First Bank of Searcy Searcy, AR, an affiliate under the same holding company | $155M |
| Nov 2013 | Metropolitan National Bank Little Rock, AR | $973M |
| Nov 2013 | Simmons First Bank of Northwest Arkansas Rogers, AR, an affiliate under the same holding company | $246M |
| Oct 2012 | Excel Bank Sedalia, MO | $186M |
| Sep 2012 | Truman Bank St. Louis, MO | $282M |
| Oct 2010 | Security Savings Bank, F.S.B. Olathe, KS | $453M |
| May 2010 | Southwest Community Bank Springfield, MO | $101M |
| Mar 1999 | American State Bank Charleston, AR, an affiliate under the same holding company | $90M |
| Apr 1995 | First State Bank Gould, AR | $17M |
| Mar 1992 | Home Federal Savings of Kansas City Kansas City, MO | $2.3B |
| Sep 1991 | Savers Savings Association, a Federal Savings and Loan Association Little Rock, AR | $329M |
| Jul 1991 | First Federal of Arkansas, FA Little Rock, AR | n/a |
| Dec 1990 | First America Savings Bank, FSB Fort Smith, AR | $379M |
Where they operate
229 branches in 97 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Pulaski County, AR | $3.6B | 12.6% | 3 of 33 |
| Jefferson County, AR | $1.4B | 56.6% | 1 of 7 |
| St. Louis County, MO | $890M | 1.8% | 16 of 55 |
| Tarrant County, TX | $763M | 1.2% | 17 of 74 |
| Davidson County, TN | $623M | 0.9% | 16 of 35 |
| Boone County, MO | $572M | 9.8% | 3 of 23 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 75 branches since 2016 (154 to 229, +48.7%). 33 opened, 162 acquired, 120 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 154 | |||
| 2016 | Acquired The Citizens National Bank of Athens and (unknown, CERT 35526)Sold 2 branches to Rose Hill Bank, opened 4 in 3 states, closed 12 in 4 states | 13 | 14 | −1 | 153 |
| 2017 | Acquired First South BankClosed 3 in Tennessee | 8 | 3 | +5 | 158 |
| 2018 | Acquired Bank SNB and Southwest BankClosed 10 in 5 states | 47 | 10 | +37 | 195 |
| 2019 | Acquired Reliance BankOpened Little Rock, closed Little Rock | 23 | 1 | +22 | 217 |
| 2020 | Acquired Landmark BankSold 4 branches to Spirit of Texas Bank, SSB, sold 3 branches to First Western Trust Bank, opened 3 in 3 states, closed 37 in 6 states | 35 | 44 | −9 | 208 |
| 2021 | Acquired Landmark Community Bank and Triumph BankOpened 4 in 3 states, closed 17 in 6 states | 14 | 17 | −3 | 205 |
| 2022 | Acquired Spirit of Texas Bank, SSBOpened 5 in 4 states, closed 3 in 2 states | 39 | 3 | +36 | 241 |
| 2023 | Opened 11 in 4 statesClosed 5 in 3 states | 11 | 5 | +6 | 247 |
| 2024 | Opened 4 in 3 statesClosed 18 in 4 states | 4 | 18 | −14 | 233 |
| 2025 | Opened WichitaClosed 3 in 2 states | 1 | 3 | −2 | 231 |
| 2026 through Q2 | Closed Germantown and Stillwater | 0 | 2 | −2 | 229 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 41% | 25% | |
| 1-4 family residential | 14% | 21% | |
| Construction and land | 14% | 6% | |
| Business (C&I) | 12% | 17% | |
| Multifamily | 4% | 8% | |
| Farmland | 4% | 1% | |
| Agricultural | 2% | 0% | |
| Consumer | 1% | 10% | |
| Other | 7% | 13% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 56% | 62% | |
| Noninterest-bearing | 23% | 20% | |
| Time deposits | 21% | 18% |
Brokered deposits are 9.1% of deposits (peers 7.2%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.90% | 0.63% |
| Net charge-offs, annualized | 0.20% | 0.14% |
| Reserves to loans | 1.32% | 1.14% |
| Leverage ratio | 9.18% | 10.26% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Arkansas
Largest competitors in Pulaski County, AR
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/simmons