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Simmons Bank
Pine Bluff, AR·FDIC Cert #3890·Charter: STATE·Est. 19030323.0·HC: SIMMONS FIRST NATIONAL CORP
Total Assets
$24.5B
Q4 2025
Return on Assets
-1.40%
+0.88%Peer avg: 1.18%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
57.93%
Peer avg: 53.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
48
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
-1.40%+0.88
ROE
-10.61%+6.60
Efficiency
57.93%-1.55
Equity/Assets
0.00%+0.00
NPL Ratio
0.65%-0.26
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
83.40%+1.70
Charge-offs
0.46%+0.22
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.7 | 0.7 | 0.6 | 0.7 | 0.6 | 0.8 | -2.3 | -1.4 |
| ROE | 5.6 | 5.7 | 5.0 | 5.3 | 4.8 | 5.9 | -17.2 | -10.6 |
| Efficiency | 64.3 | 64.3 | 63.7 | 63.3 | 62.8 | 61.4 | 59.5 | 57.9 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.6 | 0.6 | 0.6 | 0.7 | 0.9 | 0.9 | 0.9 | 0.7 |
| Charge-offs | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.5 |
| Loan/Deposit | 74.6 | 76.7 | 77.0 | 75.7 | 76.7 | 76.4 | 81.7 | 83.4 |
Balance Sheet
Total Assets$24.5B
Total Deposits$20.7B
Total Loans$17.3B
Total Equity$3.2B
Profitability
ROA-1.40%
ROE-10.61%
Efficiency Ratio57.93%
Net Income$-361.1M
Risk & Asset Quality
NPL Ratio0.65%
Charge-off Rate0.46%
Loan/Deposit83.40%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans