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Overview / Commentary
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 248th largest bank in the nation. It was established in 1903 and as of March of 2014, it had grown to 951 employees at 81 locations. Simmons First National Bank has a C+ 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.


Data for Q1 2014

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


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Simmons First National Bank had $107.69 million in non-current loans and owned real-estate with $325.85 million in equity and loan loss allowances on hand to cover it. This gives Simmons First National Bank a Texas Ratio of 33.05% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Simmons First National Bank increased slightly from 23.58% as of March 31, 2013 to 33.05% as of March 31, 2014, resulting in a negative change of 40.14%. This indicates that the balance sheet and financial strength for Simmons First National Bank has declined slightly in recent periods.

Deposit Growth


In the past year, Simmons First National Bank has increased its total deposits by $948.52 million, resulting in 54.34% 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.



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 $3.15 billion in assets with $325.85 million in equity, resulting in a capitalization level of 10.34%, which is above average.

Institution Statistics

FDIC Certificate #3890
Year Established1903
Primary RegulatorOCC
Assets and Liabilities
Assets$3.15 billion
Loans$1.63 billion
Deposits$2.69 billion
Equity Capital$309.77 million
Loan Loss Allowance$16.08 million
Unbacked Noncurrent Loans$50.64 million
Real Estate Owned$57.05 million
Historic Data - March 2013
Assets$2.09 billion
Equity Capital$191.98 million
Loan Loss Allowance$14.12 million
Unbacked Noncurrent Loans$50.64 million
Real Estate Owned$17.30 million
Profit Margin - Quarterly
Net Interest Margin4.85%
Return on Assets0.35%
Return on Equity3.56%
Interest Income$34.89 million

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