Simmons Bank
Pine Bluff, Arkansas · $24.73B in assets · beside the 11 other the South Central states banks over $10B (the state alone holds too few in the band to rank)
The filing
Simmons Bank is the sixth largest of the 12 the South Central states banks nearest its size over $10B, with $24.73B in assets at 30 June 2026. Loans are 90.7% of deposits, 6th of 12 against a median of 90.8%, and equity is 13.1% of assets, 4th of 12. Loans grew +5.6% in the year, 6th of 12, and deposits fell 9.8%; the cohort's median loan growth is +5.3%.
Noncurrent loans are 0.92% of the book, 6th of 12 against a median of 0.92%; 0.29% is 30 to 89 days past due, and the allowance covers them 1.4 times. Net charge-offs are 0.20% of loans, 10th of 12. Commercial real estate is 46.3% of loans, 10th of 12 against a median of 36.9%, and 345% of capital, above the 300% screen, with construction at 106% against the 100% screen.
Return on assets is 1.19%, 10th of 12 against a median of 1.39%, on an efficiency ratio of 56.8%, 9th of 12. Five years ago it was 1.35%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 13.0% of loans).
SBA 7(a), FY2008 to FY2026
Simmons Bank is the 14th largest 7(a) lender into Texas of 706, with $615M across 1,266 loans, 1.4% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 495 of its 540 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.
| County | Approved | Rank | Share | Trend |
|---|---|---|---|---|
| Harris, TX | $176M | 11th of 314 | 2.2% | -0.8 pts |
| Greene, MO | $142M | 2nd of 80 | 17.7% | -1.3 pts |
| Tarrant, TX | $68M | 14th of 281 | 1.8% | -0.6 pts |
| Montgomery, TX | $67M | 4th of 165 | 5.6% | -1.8 pts |
| Dallas, TX | $59M | 24th of 314 | 1.1% | -0.5 pts |
| Shelby, TN | $54M | 2nd of 139 | 6.9% | -1.2 pts |
| Christian, MO | $45M | 1st of 52 | 23.5% | +1.0 pts |
| Jasper, MO | $40M | 2nd of 58 | 18.0% | quiet FY2019 |
| Saint Louis, MO | $39M | 9th of 178 | 2.7% | +0.3 pts |
| Taney, MO | $34M | 1st of 59 | 19.5% | -0.6 pts |
| Fort Bend, TX | $32M | 13th of 180 | 2.1% | quiet FY2022 |
| Maricopa, AZ | $32M | 48th of 303 | 0.4% | quiet FY2020 |
| Denton, TX | $24M | 19th of 224 | 1.3% | quiet FY2021 |
| Industry | Loans | Approved | Share of book | Share of sector | Rank |
|---|---|---|---|---|---|
| Other services | 1,391 | $427M | 24.3% | 1.22% | 12th of 2,248 |
| Accommodation & food services | 705 | $346M | 19.7% | 0.45% | 53rd of 2,596 |
| Retail trade | 527 | $214M | 12.1% | 0.35% | 58th of 2,589 |
| Manufacturing | 226 | $135M | 7.7% | 0.34% | 49th of 2,246 |
| Arts, entertainment & recreation | 311 | $127M | 7.2% | 0.88% | 20th of 1,656 |
Commercial real estate against capital
| Simmons Bank | Rank | Cohort median | |
|---|---|---|---|
| Total CRE against capital, the 300% screen | 345% | 12th of 12 | 252% |
| Construction against capital, the 100% screen | 106% | 12th of 12 | 67% |
| Construction and land development, share of loans | 14.2% | 10th of 12 | 9.8% |
| Non-owner-occupied nonfarm nonresidential, share of loans | 27.6% | 12th of 12 | 21.4% |
| Total CRE, the guidance definition, share of loans | 46.3% | 10th of 12 | 36.9% |
| CRE growth over 36 months, the third prong | +4.0% | 3rd of 12 | +14.8% |
Among its peers
| Institution | Assets | ROA | Efficiency | NPA / loans | Net charge-offs | Allowance / loans | Loans / deposits | Equity / assets |
|---|---|---|---|---|---|---|---|---|
| $84.12B | 1.4% | 56.0% | 0.83% | 0.19% | 1.1% | 95.7% | 11.2% | |
| $41.70B | 1.6% | 39.5% | 0.92% | 0.62% | 1.4% | 95.8% | 15.1% | |
| $36.33B | 1.0% | 55.3% | 0.57% | 0.17% | 1.3% | 82.4% | 12.0% | |
| $28.05B | 0.5% | 81.6% | 0.86% | 0.37% | 1.1% | 83.2% | 8.4% | |
| $26.99B | 1.4% | 55.7% | 0.96% | 0.05% | 1.5% | 87.7% | 15.4% | |
| $24.73B | 1.2% | 56.8% | 0.92% | 0.20% | 1.3% | 90.7% | 13.1% | |
| $24.55B | 2.0% | 42.2% | 0.55% | 0.07% | 1.9% | 87.1% | 17.2% | |
| $19.19B | 1.3% | 63.0% | 1.14% | 0.12% | 1.0% | 87.6% | 11.6% | |
| $18.34B | 1.9% | 29.6% | 1.18% | 0.17% | 1.3% | 99.5% | 10.9% | |
| $16.76B | 1.5% | 52.8% | 1.40% | 0.08% | 1.5% | 90.9% | 11.7% | |
| $10.36B | 1.6% | 52.6% | 0.31% | 0.00% | 1.4% | 93.0% | 12.0% | |
| $10.18B | 1.2% | 57.1% | 0.97% | 0.08% | 1.2% | 92.6% | 11.7% |
| Simmons Bank | Cohort median | |||||
|---|---|---|---|---|---|---|
| 2021 | 2026 | Change | 2021 | 2026 | Change | |
| Loans | $11.42B | $18.08B | +58% | $10.62B | $17.56B | +65% |
| Deposits | $18.53B | $19.93B | +8% | $14.43B | $19.75B | +37% |
| NPA / loans | 0.71% | 0.92% | +0.21 pts | 0.61% | 0.92% | +0.31 pts |
| Efficiency | 57.2% | 56.8% | -0.5 pts | 62.9% | 55.5% | -7.4 pts |
| ROA | 1.35% | 1.19% | -0.16 pts | 1.40% | 1.39% | -0.01 pts |
This read was prepared for Simmons Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.
The full pack on Simmons Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.
Ask for the packPrepared 7 September 2026
Filing 30 June 2026
Cohort South Central states banks over $10B
Institution www.simmonsbank.com
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