BlastPoint's Banking Scorecard

Simmons Bank

$10B-$250B Specialty: Commercial AR FDIC cert 3890

Pine Bluff, AR

229 branches across AR · MO · TX · TN · OK · KS

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 4 in AR.
Deposits -9.8% year over year ($19.9B on the books).
Delinquency rate 0.93%.
Return on assets 1.21%.
Efficiency ratio 55.56% vs a 53.67% peer average.
Loan-to-deposit ratio 89.51% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 4 in AR

View $10B-$250B leaderboard (AR) →

Simmons Bank has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.08% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 0.1% in tier
- Capital Constraint: Bottom 0.1% in tier
- Deposit Outflow: Bottom 27.8% in tier
- ROA 0.18% below tier average
- Net Interest Margin 0.07% below tier average
- Efficiency Ratio 1.89% above tier average

Get updates when Simmons Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Total Assets ?	$24.7B -7.1% YoY +0.3% QoQ	-$18.9B	$43.6B -13.8% YoY	$2.4B +2.9% YoY	$6.3B +7.7% YoY	51%
Total Loans ?	$17.8B +5.7% YoY +0.7% QoQ	-$10.1B	$28.0B -8.6% YoY	$1.7B +5.8% YoY	$3.2B +9.4% YoY	53%
Total Deposits ?	$19.9B -9.8% YoY -2.3% QoQ	-$15.5B	$35.4B -14.0% YoY	$2.0B +2.5% YoY	$4.9B +7.3% YoY	49%
Return on Assets ?	1.21% +52.0% YoY -2.9% QoQ	-0.18%	1.39% +25.9% YoY	1.32% +8.9% YoY	1.30% +12.1% YoY	44%
Net Interest Margin ?	3.85% +28.2% YoY -0.2% QoQ	-0.07%	3.92% +8.9% YoY	4.10% +6.0% YoY	3.95% +4.9% YoY	67%
Efficiency Ratio ?	55.56% -9.5% YoY +1.5% QoQ	+1.89%	53.67% -1.9% YoY	61.09% -4.5% YoY	70.05% +2.5% YoY	47%
Delinquency Rate ?	0.93% -0.1% YoY +16.2% QoQ	-0.08%	1.01% -2.8% YoY	1.05% +22.1% YoY	0.98% +16.3% YoY	32%
Loan-to-Deposit Ratio ?	89.51% +17.2% YoY +3.1% QoQ	+6.90%	82.61% +3.1% YoY	82.37% +1.8% YoY	79.03% +2.3% YoY	33%
Non-Interest-Bearing Deposit Share ?	22.85% +6.7% YoY +3.8% QoQ	+2.27%	20.58% +4.9% YoY	19.62% +0.3% YoY	21.98% -0.6% YoY	50%
Nonperforming Asset Ratio ?	0.72% +14.9% YoY +14.4% QoQ	-0.01%	0.73% +5.8% YoY	0.84% +30.0% YoY	0.69% +15.8% YoY	30%
Tier 1 Capital Ratio ?	10.44% -16.6% YoY -0.0% QoQ	-4.91%	15.35% -0.4% YoY	13.64% +0.9% YoY	17.09% +0.8% YoY	Bottom 1.4% in tier
Non-Interest Income / Assets ?	0.41% +12.9% YoY +107.8% QoQ	-0.09%	0.50% +10.5% YoY	0.36% -4.6% YoY	0.66% +5.2% YoY	60%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Noninterest-Bearing	22.8% +1.4pp YoY +0.8pp QoQ	+1.8pp	21.0%	19.6%	22.2%	48%
Brokered Deposits	9.1% -5.6pp YoY -0.3pp QoQ	-0.1pp	9.2%	7.2%	8.5%	70%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
C&I	12.1% -2.5pp YoY -0.1pp QoQ	-5.1pp	17.2%	12.7%	12.5%	35%
CRE	60.1% -0.4pp YoY -0.6pp QoQ	+18.1pp	42.0%	41.0%	41.4%	87%
1-4 Family	14.5% -1.2pp YoY -0.1pp QoQ	-8.6pp	23.1%	28.1%	31.3%	28%
Consumer	1.3% -0.1pp YoY 0.0pp QoQ	-11.6pp	12.9%	4.5%	5.0%	44%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
CET1 Ratio	10.4% -2.1pp YoY 0.0pp QoQ	-4.8pp	15.3%	15.1%	19.7%	1%
Leverage Ratio	9.2% -0.9pp YoY 0.0pp QoQ	-1.2pp	10.4%	11.9%	12.6%	20%
Total Capital Ratio	11.7% -2.1pp YoY 0.0pp QoQ	-4.8pp	16.5%	16.3%	20.8%	1%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Full-Time Employees	2,899 -36 (-1.2%) YoY -5 (-0.2%) QoQ	-359	3,258	315	482	66%
Assets per Employee ($)	$8.5M -6.0% YoY +0.5% QoQ	-$18.5M	$27.0M	$6.7M	$8.8M	17%
Branch Count	230 -3 (-1.3%) YoY -1 (-0.4%) QoQ	+92	137	25	18	84%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.4pp	0.4%	0.1%	0.4%	13%
Nonaccrual	0.9% 0.0pp YoY +0.1pp QoQ	+0.2pp	0.7%	1.1%	1.0%	79%
Allowance Coverage	1.43x -11.1% YoY -11.5% QoQ	-1.38x	2.81x	4.69x	20.23x	35%
Net Charge-off Rate (YTD)	0.2% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.4%	0.2%	0.2%	61%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
ROE	9.2% +3.3pp YoY -0.3pp QoQ	-3.4pp	12.6%	12.3%	11.6%	30%
Cost of Funds (YTD)	1.9% -0.4pp YoY 0.0pp QoQ	0.0pp	2.0%	2.0%	1.7%	55%
Net Income ($, YTD)	$148.4M +40.0% YoY — QoQ	-$148.4M	$296.8M	$16.0M	$40.4M	45%

Get Full Access to Simmons Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Capital Thin

risk

#1 of 35 • Bottom 0.1% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.44%

(Tier: 15.35%, National: 17.09%)

worse than tier avg

35 of 35 Large banks match · 923 nationally

→ Stable

Capital Constraint

risk

#1 of 4 • Bottom 0.1% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 89.51%

(Tier: 82.61%, National: 79.03%)

worse than tier avg

Tier 1 Capital Ratio: 10.44%

(Tier: 15.35%, National: 17.09%)

worse than tier avg

4 of 4 Large banks match · 143 nationally

→ Stable -5 banks QoQ

Deposit Outflow

decline

#6 of 18 • Bottom 27.8% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

18 of 18 Large banks match · 686 nationally

→ Stable +31 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 139 peers in $10B-$250B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (1 metrics)

138

Tier 1 Capital Ratio

capital

Value: 10.44%

Peer Median: 15.35%

#138 of 139 Bottom 1.4% in $10B-$250B