# SIMMONS FIRST BANK OF SEARCY
SEARCY, AR · FDIC certificate 12696 · asset band <$300M · latest filing 2014-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $154.9M | |
| Deposits | $118.6M | |
| Loans and leases | $98.2M | |
| Total equity | $15.5M | |
| Loans / deposits | 81.40% (p75 of band) | 68.03% |
| Liquid assets / assets | 29.49% (p36 of band) | |
| Uninsured deposits / deposits | 10.60% (p42 of band) | 12.24% |
| Brokered deposits | 3.03% | |
| Wholesale funding | 15.16% (p93 of band) | |
| FHLB advances / assets | 9.06% | |
| Tier 1 leverage | 8.83% (p22 of band) | 10.34% |
| Unrealized securities loss / equity | -1.67% (p31 of band) | -0.15% |
| AOCI / equity | 0.25% (p36 of band) | |
| ROA (annualized) | 0.89% (p60 of band) | 0.74% |
| Net interest margin | 3.55% (p48 of band) | 3.59% |
| Efficiency ratio | 69.05% (p36 of band) | |
| Noncurrent loans | 1.86% (p69 of band) | 0.94% |
| Net charge-offs (annualized) | -0.03% (p13 of band) | |
| Reserve coverage of noncurrent | 94.57% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 63.90% (p87 of band) | |
| Auto loans | $2.9M (2.95% of loans; DQ 0.31%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.7% | |
| Employees | 41 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | uninsured deposits leaving |  |
| 2012-09 | 0 |  | uninsured deposits leaving |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | wholesale funding >15% |  |
| 2014-03 | 2 | reserve under noncurrent |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-12-20 [Jerry Morgan - Arkansas Business](https://news.google.com/rss/articles/CBMiY0FVX3lxTFBCTVhpb2dLclNZdERrYXl3WW44b2RUN0lxdmlkZWZHQnhIVkJweTJaZEpRU29ZMGR6X1FiN1Q0TFp4MTd5MGZlN002ZGN2dWtybzIwaUJjbTlYSDU5V1ozV1JmMA?oc=5) · Arkansas Business

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12696 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/24.json (key "12696", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide