SIMMONS FIRST NATIONAL CORP's income statement, balance sheet and cash flow statement as filed with the SEC (10-K and 10-Q), with the latest fiscal years and quarters. In its latest fiscal year (Dec 31, 2025 · FY), SIMMONS FIRST NATIONAL CORP reported net income of ($397.6M) (-360.4% year on year).
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Loans, including fees | $1.1B | $1.1B | $989.2M | $694.2M |
| Interest bearing balances due from banks and federal funds sold | $14.1M | $11.8M | $13.5M | $5.5M |
| Investment securities | $165.5M | $216.4M | $206.9M | $158.2M |
| Mortgage loans held for sale | $799.0K | $731.0K | $557.0K | $720.0K |
| Assets held in trading accounts | $217.0K | — | — | — |
| TOTAL INTEREST INCOME | $1.2B | $1.3B | $1.2B | $861.7M |
| Deposits | $475.9M | $600.2M | $472.9M | $99.0M |
| Federal funds purchased and securities sold under agreements to repurchase | $301.0K | $602.0K | $1.1M | $941.0K |
| Other borrowings | $23.4M | $55.1M | $60.5M | $24.9M |
| Subordinated notes and debentures | $25.0M | $27.6M | $25.4M | $19.5M |
| TOTAL INTEREST EXPENSE | $524.6M | $683.6M | $560.0M | $144.4M |
| NET INTEREST INCOME | $719.2M | $628.5M | $650.1M | $717.3M |
| Provision for credit losses | $65.8M | $46.8M | $42.0M | $14.1M |
| NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES | $653.4M | $581.7M | $608.1M | $703.2M |
| Non-interest income | $138.3M | $132.8M | $129.1M | $127.8M |
| Bank owned life insurance income | $15.9M | $15.2M | $11.7M | $11.1M |
| Loss on sale of securities, net | ($801.5M) | ($28.4M) | ($20.6M) | ($278.0K) |
| Other income | $31.4M | $27.5M | $35.4M | $27.4M |
| TOTAL NONINTEREST INCOME (LOSS) | ($616.0M) | $147.2M | $155.6M | $170.1M |
| Salaries and employee benefits | $297.9M | $284.1M | $286.1M | $287.0M |
| Occupancy expense, net | $48.2M | $48.2M | $46.7M | $44.3M |
| Furniture and equipment expense | $21.5M | $22.0M | $20.7M | $20.7M |
| Other real estate and foreclosure expense | $1.0M | $700.0K | $892.0K | $1.0M |
| Deposit insurance | $20.2M | $23.9M | $30.0M | $11.6M |
| Merger related costs | $0 | $0 | $1.4M | $22.5M |
| Other operating expenses | $176.2M | $178.5M | $177.2M | $179.7M |
| TOTAL NONINTEREST EXPENSE | $565.1M | $557.5M | $563.1M | $566.7M |
| INCOME (LOSS) BEFORE INCOME TAXES | ($527.7M) | $171.3M | $200.6M | $306.6M |
| Provision for (benefit from) income taxes | ($130.1M) | $18.6M | $25.5M | $50.1M |
| NET INCOME (LOSS) | ($397.6M) | $152.7M | $175.1M | $256.4M |
| BASIC EARNINGS PER SHARE (in dollars per share) | -$2.96 | $1.22 | $1.39 | $2.07 |
| DILUTED EARNINGS PER SHARE (in dollars per share) | -$2.95 | $1.21 | $1.38 | $2.06 |
| Line item | Jun 30, 2026 · Q2 | Mar 31, 2026 · Q1 | Sep 30, 2025 · Q3 | Jun 30, 2025 · Q2 |
|---|---|---|---|---|
| Loans, including fees | $274.3M | $267.3M | $269.2M | $265.4M |
| Interest bearing balances due from banks and federal funds sold | $2.1M | $2.3M | $6.4M | $2.5M |
| Investment securities | $31.0M | $31.9M | $37.5M | $46.9M |
| Mortgage loans held for sale | $202.0K | $203.0K | $229.0K | $221.0K |
| Assets held in trading accounts | $136.0K | $122.0K | $99.0K | — |
| TOTAL INTEREST INCOME | $307.7M | $301.8M | $313.4M | $315.0M |
| Deposits | $95.5M | $97.6M | $116.6M | $126.3M |
| Federal funds purchased and securities sold under agreements to repurchase | $426.0K | $36.0K | $72.0K | $59.0K |
| Other borrowings | $5.9M | $1.7M | $3.0M | $10.6M |
| Subordinated notes and debentures | $5.2M | $5.3M | $7.1M | $6.2M |
| TOTAL INTEREST EXPENSE | $107.1M | $104.6M | $126.8M | $143.2M |
| NET INTEREST INCOME | $200.6M | $197.2M | $186.7M | $171.8M |
| Provision for credit losses | $17.4M | $14.6M | $12.0M | $11.9M |
| NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES | $183.2M | $182.5M | $174.7M | $159.9M |
| Non-interest income | $35.1M | $35.2M | $35.2M | $33.6M |
| Bank owned life insurance income | $4.2M | $4.2M | $3.9M | $3.9M |
| Other income | $8.6M | $4.8M | $6.1M | $4.8M |
| TOTAL NONINTEREST INCOME | $47.9M | $44.2M | ($756.2M) | $42.4M |
| Salaries and employee benefits | $75.6M | $75.9M | $76.2M | $73.9M |
| Occupancy expense, net | $14.7M | $12.2M | $12.1M | $11.8M |
| Furniture and equipment expense | $5.7M | $5.4M | $5.3M | $5.5M |
| Other real estate and foreclosure expense | $695.0K | $315.0K | $200.0K | $216.0K |
| Deposit insurance | $4.5M | $2.3M | $5.2M | $4.9M |
| Other operating expenses | $46.5M | $44.5M | $43.0M | $42.3M |
| TOTAL NONINTEREST EXPENSE | $147.7M | $140.7M | $142.0M | $138.6M |
| INCOME BEFORE INCOME TAXES | $83.4M | $86.1M | ($723.5M) | $63.6M |
| Provision for income taxes | $16.7M | $17.5M | ($160.7M) | $8.9M |
| NET INCOME | $66.7M | $68.5M | ($562.8M) | $54.8M |
| BASIC EARNINGS PER SHARE (in dollars per share) | $0.46 | $0.47 | -$4.01 | $0.43 |
| DILUTED EARNINGS PER SHARE (in dollars per share) | $0.46 | $0.47 | -$4.00 | $0.43 |
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Cash and noninterest bearing balances due from banks | $380.4M | $429.7M | $345.3M | $200.6M |
| Interest bearing balances due from banks and federal funds sold | $331.5M | $257.7M | $268.8M | $481.5M |
| Cash and cash equivalents | $711.9M | $687.4M | $614.1M | $682.1M |
| Interest bearing balances due from banks – time | $100.0K | $100.0K | $100.0K | $795.0K |
| Held-to-maturity, net of allowance for credit losses of $3,214 at December 31, 2024 | $0 | $3.6B | $3.7B | $3.8B |
| Available-for-sale, at estimated fair value (amortized cost of $3,642,809 and $2,852,774 at December 31, 2025 and 2024, respectively) | $3.3B | $2.5B | $3.2B | $3.9B |
| Total investments | $3.3B | $6.2B | $6.9B | $7.6B |
| Mortgage loans held for sale | $17.4M | $11.4M | $9.4M | $3.5M |
| Assets held in trading accounts | $11.7M | — | — | — |
| Loans | $17.5B | $17.0B | $16.8B | $16.1B |
| Allowance for credit losses on loans | ($224.4M) | ($235.0M) | ($225.2M) | ($197.0M) |
| Net loans | $17.3B | $16.8B | $16.6B | $15.9B |
| Premises and equipment | $561.2M | $585.4M | $570.7M | $548.7M |
| Foreclosed assets and other real estate owned | $12.0M | $9.3M | $4.1M | $2.9M |
| Interest receivable | $104.1M | $123.2M | $122.4M | $102.9M |
| Bank owned life insurance | $540.0M | $531.8M | $500.6M | $491.3M |
| Goodwill | $1.3B | $1.3B | $1.3B | $1.3B |
| Other intangible assets | $84.4M | $97.2M | $112.6M | $129.0M |
| Other assets | $643.2M | $572.4M | $592.0M | $622.5M |
| Total assets | $24.5B | $26.9B | $27.3B | $27.5B |
| Noninterest bearing transaction accounts | $4.3B | $4.5B | $4.8B | $6.0B |
| Interest bearing transaction accounts and savings deposits | $11.1B | $11.0B | $11.0B | $11.8B |
| Time deposits | $4.7B | $6.4B | $6.4B | $4.8B |
| Total deposits | $20.2B | $21.9B | $22.2B | $22.5B |
| Federal funds purchased and securities sold under agreements to repurchase | $21.4M | $37.1M | $68.0M | $160.4M |
| Other borrowings | $302.3M | $745.4M | $972.4M | $859.3M |
| Subordinated notes and debentures | $317.7M | $366.3M | $366.1M | $366.0M |
| Accrued interest and other liabilities | $296.2M | $312.7M | $267.7M | $257.9M |
| Total liabilities | $21.1B | $23.3B | $23.9B | $24.2B |
| Common stock, Class A, $0.01 par value; 350,000,000 shares authorized at December 31, 2025 and 2024; 144,762,817 and 125,651,540 shares issued and outstanding at December 31, 2025 and 2024, respectively | 1.4M | 1.3M | 1.3M | 1.3M |
| Surplus | $2.8B | $2.5B | $2.5B | $2.5B |
| Undivided profits | $864.3M | $1.4B | $1.3B | $1.3B |
| Accumulated other comprehensive loss | ($293.1M) | ($360.9M) | ($404.4M) | ($517.6M) |
| Total stockholders’ equity | $3.4B | $3.5B | $3.4B | $3.3B |
| Total liabilities and stockholders’ equity | $24.5B | $26.9B | $27.3B | $27.5B |
| Line item | Jun 30, 2026 | Mar 31, 2026 | Sep 30, 2025 | Jun 30, 2025 |
|---|---|---|---|---|
| Cash and noninterest bearing balances due from banks | $377.6M | $342.6M | $377.6M | $398.1M |
| Interest bearing balances due from banks and federal funds sold | $211.9M | $205.9M | $266.0M | $246.4M |
| Cash and cash equivalents | $589.5M | $548.5M | $643.6M | $644.5M |
| Interest bearing balances due from banks - time | $100.0K | $100.0K | $100.0K | $100.0K |
| Available-for-sale, (amortized cost of $3,439,526 and $3,642,809 at June 30, 2026 and December 31, 2025, respectively) | $3.1B | $3.2B | $3.3B | $2.4B |
| Mortgage loans held for sale | $16.4M | $14.3M | $15.5M | $17.0M |
| Assets held in trading accounts | $14.5M | $14.5M | $12.7M | — |
| Loans | $18.1B | $17.9B | $17.2B | $17.1B |
| Allowance for credit losses on loans | ($238.2M) | ($229.9M) | ($258.0M) | ($253.5M) |
| Net loans | $17.8B | $17.7B | $16.9B | $16.9B |
| Premises and equipment | $552.4M | $557.9M | $568.3M | $573.2M |
| Foreclosed assets and other real estate owned | $11.1M | $12.5M | $6.4M | $8.8M |
| Interest receivable | $103.0M | $101.6M | $104.4M | $120.4M |
| Bank owned life insurance | $545.3M | $542.5M | $539.4M | $535.5M |
| Goodwill | $1.3B | $1.3B | $1.3B | $1.3B |
| Other intangible assets | $78.2M | $81.3M | $87.5M | $90.6M |
| Other assets | $644.1M | $643.6M | $659.4M | $528.4M |
| Total assets | $24.8B | $24.7B | $24.2B | $26.7B |
| Noninterest bearing transaction accounts | $4.4B | $4.3B | $4.4B | $4.5B |
| Interest bearing transaction accounts and savings deposits | $11.1B | $11.3B | $10.9B | $11.2B |
| Time deposits | $4.2B | $4.6B | $4.5B | $6.2B |
| Total deposits | $19.7B | $20.2B | $19.8B | $21.8B |
| Federal funds purchased and securities sold under agreements to repurchase | $46.2M | $8.7M | $22.3M | $31.3M |
| Other borrowings | $941.3M | $446.8M | $18.8M | $634.3M |
| Subordinated notes and debentures | $312.0M | $315.7M | $649.0M | $366.4M |
| Accrued interest and other liabilities | $267.3M | $281.1M | $326.3M | $287.4M |
| Total liabilities | $21.3B | $21.3B | $20.9B | $23.1B |
| Common stock, Class A, $0.01 par value; 350,000,000 shares authorized at June 30, 2026 and December 31, 2025; 144,442,482 and 144,762,817 shares issued and outstanding at June 30, 2026 and December 31, 2025, respectively | 1.4M | 1.5M | 1.4M | 1.3M |
| Surplus | $2.8B | $2.8B | $2.8B | $2.5B |
| Undivided profits | $937.3M | $901.7M | $817.0M | $1.4B |
| Accumulated other comprehensive loss | ($294.7M) | ($314.4M) | ($313.5M) | ($380.9M) |
| Total stockholders’ equity | $3.5B | $3.4B | $3.4B | $3.5B |
| Total liabilities and stockholders’ equity | $24.8B | $24.7B | $24.2B | $26.7B |
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Net income (loss) | ($397.6M) | $152.7M | $175.1M | $256.4M |
| Depreciation and amortization | $40.8M | $46.1M | $47.9M | $49.0M |
| Provision for credit losses | $65.8M | $46.8M | $42.0M | $14.1M |
| Loss on sale of investments | $801.5M | $28.4M | $20.6M | $278.0K |
| Net amortization of investment securities and assets | $11.9M | $16.6M | $15.0M | ($39.0M) |
| Net amortization on borrowings | $257.0K | $152.0K | $152.0K | $313.0K |
| Stock-based compensation expense | $10.8M | $11.3M | $12.2M | $15.3M |
| Gain on sale of closed branches | $623.0K | — | — | — |
| Gain on sale of foreclosed assets and other real estate owned | ($500.0K) | ($928.0K) | ($182.0K) | ($390.0K) |
| Gain on sale of mortgage loans held for sale | ($8.2M) | ($8.3M) | ($7.4M) | ($7.9M) |
| (Gain) loss on sale of loans | ($109.0K) | $234.0K | $0 | ($282.0K) |
| Loss on early extinguishment of debt | $565.0K | $0 | $0 | $365.0K |
| Deferred income taxes | ($153.5M) | ($3.2M) | ($2.5M) | $14.9M |
| Income from bank owned life insurance | ($19.2M) | ($15.6M) | ($12.9M) | ($11.2M) |
| Originations of mortgage loans held for sale | ($280.6M) | ($277.4M) | ($262.9M) | ($497.8M) |
| Proceeds from sale of mortgage loans held for sale | $282.8M | $283.7M | $264.4M | $538.6M |
| Interest receivable | $19.2M | ($813.0K) | ($19.5M) | ($22.1M) |
| Assets held in trading accounts | ($11.7M) | — | — | — |
| Other assets | $90.5M | $101.3M | $264.0M | ($7.2M) |
| Accrued interest and other liabilities | $2.1M | $53.2M | ($3.9M) | $10.4M |
| Income taxes payable | ($6.0M) | ($8.2M) | $9.0M | $8.4M |
| Net cash provided by operating activities | $449.5M | $425.9M | $541.0M | $322.2M |
| Net change in loans | ($708.6M) | ($214.2M) | ($786.8M) | ($1.9B) |
| Proceeds from sale of loans | $121.8M | $13.0M | $69.8M | $73.7M |
| Proceeds from sale of closed branches | $18.8M | — | — | — |
| Decrease in due from banks - time | $0 | $0 | $695.0K | $1.1M |
| Purchases of premises and equipment, net | ($38.1M) | ($45.5M) | ($33.1M) | ($35.3M) |
| Proceeds from sale of foreclosed assets and other real estate owned | $11.5M | $5.4M | $2.1M | $4.8M |
| Proceeds from sale of available-for-sale securities | $2.4B | $251.5M | $247.9M | $0 |
| Proceeds from maturities of available-for-sale securities | $337.6M | $300.5M | $302.8M | $1.1B |
| Purchases of available-for-sale securities | ($597.2M) | ($7.1M) | ($7.5M) | ($261.4M) |
| Proceeds from maturities of held-to-maturity securities | $41.0M | $81.5M | $85.2M | $86.2M |
| Purchases of held-to-maturity securities | $0 | $0 | ($68.4M) | ($331.3M) |
| Proceeds from bank owned life insurance death benefits | $7.7M | $1.4M | $3.7M | $1.9M |
| Purchases of bank owned life insurance | ($15.7M) | ($24.5M) | $0 | $0 |
| Surrender of bank owned life insurance | $19.0M | $7.5M | — | — |
| Sale of equipment finance business | $11.2M | — | — | — |
| Net cash provided by (used in) investing activities | $1.6B | $369.5M | ($183.6M) | ($946.2M) |
| Net change in deposits | ($1.7B) | ($359.2M) | ($302.7M) | $462.5M |
| Proceeds from issuance of other borrowed funds | $1.8B | $3.4B | — | — |
| Proceeds from issuance of subordinated notes | $321.1M | — | — | — |
| Repayments of other borrowed funds | ($2.2B) | ($3.6B) | — | — |
| Repayments of subordinated debentures | ($367.0M) | $0 | $0 | ($56.2M) |
| Dividends paid on common stock | ($115.0M) | ($105.4M) | ($101.0M) | ($94.1M) |
| Net change in federal funds purchased and securities sold under agreements to repurchase | ($15.7M) | ($30.9M) | ($92.4M) | ($25.0M) |
| Line item | Jun 30, 2026 · YTD | Mar 31, 2026 · Q1 | Sep 30, 2025 · YTD | Jun 30, 2025 · YTD |
|---|---|---|---|---|
| Net income | $135.2M | $68.5M | ($475.6M) | $87.2M |
| Depreciation and amortization | $19.9M | $10.0M | $31.0M | $21.0M |
| Provision for credit losses | $32.1M | $14.6M | $50.7M | $38.7M |
| Net amortization of investment securities and assets | $2.9M | $1.3M | $10.3M | $8.2M |
| Net amortization on borrowings | $198.0K | $99.0K | $158.0K | $76.0K |
| Stock-based compensation expense | $7.0M | $3.6M | $12.5M | $8.6M |
| Loss (gain) on sale of closed branches | $3.2M | $0 | ($152.0K) | ($245.0K) |
| Loss (gain) on sale of foreclosed assets and other real estate owned | $54.0K | ($23.0K) | ($506.0K) | ($214.0K) |
| Gain on sale of mortgage loans held for sale | ($4.4M) | ($2.1M) | ($6.0M) | ($3.9M) |
| Loss on sale of loans | $0 | $0 | $22.0K | $22.0K |
| Deferred income taxes | $17.1M | $12.9M | ($166.6M) | ($2.7M) |
| Income from bank owned life insurance | ($9.2M) | ($4.8M) | ($11.9M) | ($8.0M) |
| Originations of mortgage loans held for sale | ($158.1M) | ($70.9M) | ($203.8M) | ($133.2M) |
| Proceeds from sale of mortgage loans held for sale | $163.5M | $76.0M | $205.7M | $131.5M |
| Interest receivable | $1.0M | $2.5M | $18.9M | $2.8M |
| Assets held in trading accounts | ($2.9M) | ($2.9M) | ($12.7M) | — |
| Other assets | ($1.8M) | ($54.3M) | $60.9M | ($18.6M) |
| Accrued interest and other liabilities | ($14.4M) | ($9.5M) | $32.3M | ($10.1M) |
| Income taxes payable | ($6.5M) | ($5.0M) | ($13.4M) | ($10.7M) |
| Net cash provided by operating activities | $184.9M | $40.3M | $333.8M | $110.4M |
| Net change in loans | ($667.9M) | ($481.5M) | ($315.6M) | ($146.4M) |
| Proceeds from sale of loans | $79.0M | $31.5M | $97.9M | $18.8M |
| Proceeds from sale of closed branches | $3.3M | $0 | $16.6M | $15.2M |
| Purchases of premises and equipment, net | ($25.3M) | ($6.3M) | ($28.2M) | ($21.5M) |
| Proceeds from sale of foreclosed assets and other real estate owned | $3.0M | $640.0K | $10.3M | $5.2M |
| Proceeds from maturities of available-for-sale securities | $185.3M | $144.8M | $278.8M | $218.4M |
| Purchases of available-for-sale securities | ($18.6M) | ($13.3M) | ($581.7M) | ($55.6M) |
| Proceeds from maturities of held-to-maturity securities | $0 | $0 | $41.0M | $41.2M |
| Purchases of bank owned life insurance | $0 | $0 | ($15.7M) | ($15.7M) |
| Surrender of bank owned life insurance | $0 | — | $19.0M | $19.4M |
| Proceeds from bank owned life insurance death benefits | $4.0M | $2.3M | $1.1M | $607.0K |
| Net cash (used in) provided by investing activities | ($437.2M) | ($321.9M) | $1.9B | $79.7M |
| Net change in deposits | ($455.9M) | $18.7M | ($2.0B) | ($60.8M) |
| Proceeds from issuance of other borrowed funds | $1.4B | $430.0M | $1.5B | $1.5B |
| Repayments of other borrowed funds | ($716.0M) | ($285.5M) | ($2.2B) | ($1.6B) |
| Dividends paid on common stock | ($62.3M) | ($31.2M) | ($84.3M) | ($53.5M) |
| Net change in federal funds purchased and securities sold under agreements to repurchase | $24.8M | ($12.7M) | ($14.8M) | ($5.8M) |
| Net shares cancelled under stock compensation plans | -2.3M | -2.0M | -3.2M | -2.7M |
| Shares issued under employee stock purchase plan | 838.0K | 838.0K | 836.0K | 836.0K |
| Repurchases of common stock | ($14.2M) | — | — | — |
| Net cash provided by (used in) financing activities | $129.9M | $118.2M | ($2.3B) | ($233.0M) |
| DECREASE IN CASH AND CASH EQUIVALENTS | ($122.4M) | ($163.4M) | ($43.8M) | ($42.9M) |
| CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD | $711.9M | $711.9M | $687.4M | $687.4M |
| CASH AND CASH EQUIVALENTS, END OF PERIOD | $589.5M | $548.5M | $643.6M | $644.5M |
SIMMONS FIRST NATIONAL CORP score and earnings-call analysis · All covered companies
Figures as reported in SEC filings. General information, not investment advice.