# SIMMONS BANK
PINE BLUFF, AR · FDIC certificate 3890 · asset band $10-100B · latest filing 2026-06 · live

**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 | $24.73B | |
| Deposits | $19.93B | |
| Loans and leases | $18.08B | |
| Total equity | $3.24B | |
| Loans / deposits | 89.51% (p65 of band) | 85.78% |
| Liquid assets / assets | 14.91% (p12 of band) | |
| Uninsured deposits / deposits | 36.19% (p42 of band) | 38.39% |
| Brokered deposits | 7.33% | |
| Wholesale funding | 12.48% (p73 of band) | |
| FHLB advances / assets | 3.75% | |
| Tier 1 leverage | 9.18% (p23 of band) | 10.17% |
| Unrealized securities loss / equity | -13.82% (p23 of band) | -7.43% |
| AOCI / equity | -0.05% (p72 of band) | |
| ROA (annualized) | 1.21% (p46 of band) | 1.24% |
| Net interest margin | 3.85% (p68 of band) | 3.57% |
| Efficiency ratio | 55.56% (p56 of band) | |
| Noncurrent loans | 0.92% (p71 of band) | 0.66% |
| Net charge-offs (annualized) | 0.15% (p69 of band) | |
| Reserve coverage of noncurrent | 143.47% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 79.54% (p94 of band) | |
| Auto loans | $17.4M (0.10% of loans; DQ 1.91%, NCO 0.00%) | |
| Loans to nondepository financials | $834.9M (26% of equity) (p72 of band) | |
| Deposits YoY | -9.8% | |
| Employees | 2899 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | assets shrinking |  |
| 2012-06 | 1 |  | assets shrinking |
| 2012-09 | 1 |  |  |
| 2012-12 | 3 | capital falling, noncurrent p90 |  |
| 2013-03 | 3 |  |  |
| 2013-06 | 2 |  | capital falling |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 3 | expense ratio p90 |  |
| 2014-06 | 2 |  | expense ratio p90 |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 1 |  | noncurrent p90 |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | charge-offs p90 |  |
| 2016-12 | 1 |  | charge-offs p90 |
| 2017-03 | 2 | capital falling |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | capital falling |
| 2018-06 | 2 | wholesale funding >15% |  |
| 2018-09 | 2 | capital falling | wholesale funding >15% |
| 2018-12 | 2 | wholesale funding >15% | capital falling |
| 2019-03 | 1 |  | wholesale funding >15% |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | reserve under noncurrent |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | securities losses >30% of equity |  |
| 2022-12 | 2 | brokered >10% |  |
| 2023-03 | 4 | wholesale funding >15%, capital falling |  |
| 2023-06 | 4 |  |  |
| 2023-09 | 3 |  | capital falling |
| 2023-12 | 2 |  | wholesale funding >15% |
| 2024-03 | 2 |  |  |
| 2024-06 | 3 | wholesale funding >15% |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 2 |  | wholesale funding >15% |
| 2025-06 | 2 |  |  |
| 2025-09 | 3 | losing money, deposits shrinking, assets shrinking | securities losses >30% of equity, brokered >10% |
| 2025-12 | 3 |  |  |
| 2026-03 | 2 |  | losing money |
| 2026-06 | 2 |  |  |

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

- 2026-09-04 [Simmons Bank will close 26 branches, including six in Arkansas - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMilwFBVV95cUxNclRzNmVTeEdaNTg3aTVzZkhQQmdKQWRTMlhrdVREdV9Za2gyeTJaR3d2OUtuVXJtR2lvSzFjT1NmNUlfdzBSbGgzdHNZcXAzT2lMbkR0NHdfay10LTZsMG53R1hZZG1mc1ZvR1lfVzdXMmlMeXBURFJxRkRHYWZpbWZpQm5RYlFxUENNSzFLQ2VJXzA3REJJ?oc=5) · The Arkansas Democrat-Gazette
- 2026-09-04 [Simmons Bank to close 26 branches, 6 in Arkansas by Dec. - KARK](https://news.google.com/rss/articles/CBMikwFBVV95cUxQZlpsbkM1SDBoeFBGdXpjNW1YOWRaMlFyWllEeWM0Z0YwZWVLc0RPT0VIb2EzekNyd1JlSWFEUkRxcmtURnIxSWUxTWpZSTJ3LVI3R2dBY21kaGtQbFVyX2Z2bV9vMnZUR3h6X1BnNVkzS3ZiN3UybTNaVGE5YlVBSmxraF85ZG52NGtmb2V2ZlJZaTA?oc=5) · KARK
- 2026-09-04 [Simmons Bank closing 26 locations, 6 in Arkansas by end of 2026 - KNWA FOX24](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNbjZ1MGRscE1ORzJfMGJFRXg5Z3BNejMwZEYwbEtwU2lzbERDOU9NbUN2aDVSS19reTVMMG82cjRMTVY3MDlJaFYyMVM3SmItQTRuN3VWcGM3NzRxbGhlN3g1QjhlWnJJZFVLbEFacmxFbW50ZUdEMTRjLU5ldWdYMnM1bV9pLVJfN3hjSXpCOHJXeVRZaXNraXB6c0NHMW0tRS1MUFNTa3owdTjSAbABQVVfeXFMTkY2QXl4Uy1yaFNIbXJhSm9OMHNrTDc1SzRCbUhYUEtRWGlUQXZKZnM2dDF5dTNtWFBvREgycTdnREh2bHJFc2JKWWVtSDV1YnF4N1lVVVRzeUh3S1dsNlA0WTBfdE45dEtpVUR0eHRrUjFFUXdlVE9TSU81MzJweFFrdktxVDFVZnQ2WmJOWjVwWnE1MUt3YWxqWjR0azhiYUhyRG13ZGI5ckpSN1ZEYks?oc=5) · KNWA FOX24
- 2026-09-04 [Simmons Bank closing 26 locations, 6 in Arkansas in December - KATV](https://news.google.com/rss/articles/CBMi4gFBVV95cUxQa1o5TEhvSmlhLWVxZ1JRQV9od2lBeVNHbmYyR3pVOElIb2pmY0h3d2o4dF9nRUw3VE1vWXRjRVZlS2dnWExZNkQ5S0pOOVpGeHVZcGtBdFhlV2xKOVowS1JZaFZWMWxBeTJGcVQwSHRIRzRXdzB1RTV0cG1XYUpPUXJRMWFzdjh5OEIyYndXR0JIT3FhOXZDUzJwN29xRXhDQk9tN29KMGpDM3ZFSGREYm9PbXJKSERscWFfZDREQUhDQXdjdVVwMXZXY1dGLTZSTDd1Y3Y1emZmNWNYYk1lX0pR?oc=5) · KATV
- 2026-09-04 [Simmons First to close 26 branches, including six in Arkansas - Talk Business & Politics](https://news.google.com/rss/articles/CBMimgFBVV95cUxQalducXdmbDFOaHduMFJDVzM0VEpNTFJBdGNaZjFZWmtBcGE5WVpTYXUtZzR1blNjZ19NQTYzT1RQd2dnYmtBNEpjbV9qYU5ZM0FOS284dHdic09QaDkya0hYRkl4NFI5ZUtxS0kxdDU0czR2eTlsZUVtc04zb0Z5QWdqTVRXVzgwYkZwNnpyY0RlV28yTUdfS1V3?oc=5) · Talk Business & Politics
- 2026-09-05 [Local Simmons banks up for closure identified - Pine Bluff Commercial](https://news.google.com/rss/articles/CBMigAFBVV95cUxQc3p6Yms1cUtuUTNNLXRERGJkenkzY2pxZ2V2dmlSMGhFUDNKWmFHR3VOTjFUX1dqQW15cWozbTNhU0ZnbEVialJIUjFNSHJ3ZmNGSnRLOFVyckdxSjQwTTBxNTRsYXBiQmVTS1AtalZ0ZzYtd1pNX0NCOTlReTEtSw?oc=5) · Pine Bluff Commercial
- 2026-09-04 [Simmons Bank to close 26 branches, including several in the Mid-South - FOX13 Memphis](https://news.google.com/rss/articles/CBMi5wFBVV95cUxPT0Z3a0xaVkpubEJxTFZBOHoxN2tyZ2pRMTV0OWRUMjBLdXd1My1wUEYyTjZlVWtTZTRweUtMdXZkZGpORHo5RERFeWVnZlBKc1d2WjRJcjM3ZDhFM3VzZnlKUlJHcmVnai1aT0RnQzQ2ZEJPMTNFV0J2dHlLYmNvNTNlN2gyeG9HanJFajN1dktwaU93R0NvTkNTZzVPZnFqZXRxNDVldnRhek13MDZoNzU1YnhhUHJNRmNFa2VSSHJWN0txczM4QjVQMU5BYTYwTWp0YnhkREludl91QzUtZjV2c2F0a0k?oc=5) · FOX13 Memphis
- 2026-09-04 [Simmons Bank to close two metro Memphis branches - WREG.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQWWhBZjhqc3hwM3BoMTdScnJicVcwLVRmYnk1T2YyNERpZ0FfQkh1Zi1Vb2t4SGd3TE9fV1Ftc3QtdXE2bHR3T09UODYtS3oyMlVwbzVCR3VZTVJXbEFvV1FZcFplNGVoaElUbXlqNzV3UlRLb1VKM3RvOTUyZ2ItdUJHZkpIWGZt0gGOAUFVX3lxTFBkaTNjWHBLdlpKNXIzcXpJTGMxQkIyeGdXVHo4empZbnI3TlNjbUpOOEV1V1Jsd0N5UG5sZE1ObGNMaTZtY05BNnk5TjNSTDM4dXRYaFV2ZlFuVUJGOWxaUlZ6QlpRcjhiYm1PT0hDcUdvd3FlWWVEazA0QUNXSlRZeWc3YlZCQ2xIVzFyTFE?oc=5) · WREG.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3890 (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/50.json (key "3890", 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