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Overview / Commentary
800-272-2213
501 Main Street
Pine Bluff, AR 71611

Simmons First National Bank is headquartered in Pine Bluff and is the 5th largest bank in the state of Arkansas. It is also the 247th largest bank in the nation. It was established in 1903 and as of December of 2013, it had grown to 744 employees at 106 locations. Simmons First National Bank has a B health rating.

Reviews (1)

Writing As An Associate, Non-Customer

I have known several people that used Simmons in Jonesboro, Arkansas, and had good experiences. The bank was very good about working with local Arkansas State University students as well as with the university itself. I even used their conference room for local meetings. The people are quite friendly and it seems that this bank's rates and fees are no more or less different than any other regional bank. I would say give them a try.



Health

Data for Q4 2013

B
Simmons First National Bank consists of multiple companies with separate FDIC numbers. Click on an FDIC number to view the health for that company:

3890 - Simmons First National Bank
16715 - Simmons First Bank of Northeast Arkansas
3860 - Simmons First Bank of Eldorado
18590 - Simmons First Bank of South Arkansas
13081 - Simmons First Bank of Russellville
34473 - Simmons First Bank of Hot Springs
12696 - Simmons First Bank of Searcy

Institution Health

Texas Ratio

GRADE:
C

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Simmons First National Bank had $114.85 million in non-current loans and owned real-estate with $327.34 million in equity and loan loss allowances on hand to cover it. This gives Simmons First National Bank a Texas Ratio of 35.09% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Simmons First National Bank experienced no significant changes from 35.55% as of December 31, 2012 to 35.09% as of December 31, 2013, resulting in a positive change of 1.31%.This indicates that the balance sheet and financial strength for Simmons First National Bank has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Simmons First National Bank has increased its total deposits by $956.85 million, resulting in 54.76% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Simmons First National Bank has shown is excellent.

Capitalization

GRADE:
B+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Simmons First National Bank has $3.17 billion in assets with $327.34 million in equity, resulting in a capitalization level of 10.33%, which is above average.

Institution Statistics

Overall
FDIC Certificate #3890
Year Established1903
Employees744
Primary RegulatorOCC
Assets and Liabilities
Assets$3.17 billion
Loans$1.65 billion
Deposits$2.70 billion
Equity Capital$310.60 million
Loan Loss Allowance$16.74 million
Unbacked Noncurrent Loans$50.68 million
Real Estate Owned$64.17 million
Historic Data - December 2012
Assets$2.08 billion
Equity Capital$191.13 million
Loan Loss Allowance$14.45 million
Unbacked Noncurrent Loans$50.68 million
Real Estate Owned$19.40 million
Profit Margin - Quarterly
Net Interest Margin4.38%
Return on Assets0.62%
Return on Equity6.25%
Interest Income$99.74 million
Rates

Sorry, we do not have rate data for Simmons First National Bank

Locations

Simmons First National Bank has 91 locations. Click to view all Simmons First National Bank locations.