BlastPoint's Banking Scorecard

Simmons Bank

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

Pine Bluff, AR

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

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

Simmons Bank has 2 strengths but faces 4 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

+ Net Interest Margin 0.08% above tier average
+ Delinquency Rate 0.22% 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 5.6% in tier
- Efficiency Ratio 0.75% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Total Assets ?	$24.6B -7.9% YoY +0.6% QoQ	-$22.3B	$47.0B -1.9% YoY	$2.3B +2.8% YoY	$6.2B +9.1% YoY	48%
Total Loans ?	$17.7B +5.1% YoY +2.5% QoQ	-$11.6B	$29.4B -0.4% YoY	$1.7B +6.4% YoY	$3.2B +10.8% YoY	52%
Total Deposits ?	$20.4B -7.1% YoY -1.5% QoQ	-$18.0B	$38.4B -1.6% YoY	$1.9B +3.0% YoY	$4.8B +8.2% YoY	47%
Return on Assets ?	1.24% +94.9% YoY +188.7% QoQ	-0.04%	1.28% +18.7% YoY	1.34% +14.2% YoY	1.23% +13.4% YoY	55%
Net Interest Margin ?	3.85% +31.8% YoY +15.0% QoQ	+0.08%	3.77% +5.8% YoY	4.08% +8.2% YoY	3.89% +5.7% YoY	72%
Efficiency Ratio ?	54.76% -12.9% YoY -5.5% QoQ	+0.75%	54.01% -3.7% YoY	61.77% -4.8% YoY	66.95% -4.1% YoY	53%
Delinquency Rate ?	0.80% -11.5% YoY +22.8% QoQ	-0.22%	1.02% -3.8% YoY	1.02% +24.4% YoY	0.95% +18.8% YoY	44%
Loan-to-Deposit Ratio ?	86.82% +13.1% YoY +4.1% QoQ	+6.03%	80.79% +1.9% YoY	80.49% +1.3% YoY	76.70% +0.9% YoY	42%
Non-Interest-Bearing Deposit Share ?	22.02% +2.2% YoY -6.3% QoQ	+1.98%	20.04% +0.2% YoY	19.62% +0.8% YoY	22.01% -1.2% YoY	47%
Nonperforming Asset Ratio ?	0.63% +3.8% YoY +23.0% QoQ	-0.10%	0.72% +4.2% YoY	0.79% +32.8% YoY	0.67% +19.3% YoY	36%
Tier 1 Capital Ratio ?	10.45% -16.0% YoY -1.0% QoQ	-5.07%	15.51% -0.4% YoY	13.59% +0.0% YoY	17.06% +0.8% YoY	Bottom 0.7% in tier
Non-Interest Income / Assets ?	0.20% +6.1% YoY -76.1% QoQ	-0.03%	0.22% +0.3% YoY	0.18% -3.1% YoY	0.32% +4.1% YoY	61%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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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: 10.45%

(Tier: 15.51%, National: 17.06%)

worse than tier avg

35 of 35 Large banks match · 926 nationally

→ Stable +3 banks QoQ

Capital Constraint

risk

#1 of 3 • 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: 86.82%

(Tier: 80.79%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 10.45%

(Tier: 15.51%, National: 17.06%)

worse than tier avg

3 of 3 Large banks match · 148 nationally

↑ Growing +19 banks QoQ

Deposit Outflow

decline

#2 of 18 • Bottom 5.6% in tier

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

18 of 18 Large banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank improving

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 137 peers in $10B-$250B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (1 metrics)

137

Tier 1 Capital Ratio

capital

Value: 10.45%

Peer Median: 15.51%

#137 of 137 Bottom 0.7% in $10B-$250B