Simmons Bank (FDIC #3890): Bank Stress & Real-Estate Credit Exposure
Simmons Bank (FDIC Cert #3890): bank stress 56/100, moderate, STABLE over 7 days; parent SIMMONS FIRST NATIONAL CORP (SFNC).
Simmons Bank (#3890) lends in 97 counties across 6 states; Simmons Bank (#3890) reaches 1,723 ZIP codes: Arkansas 26 counties, 295 ZIPs; Texas 20 counties, 584 ZIPs; Tennessee 19 counties, 228 ZIPs; Missouri 17 counties, 308 ZIPs; Oklahoma 12 counties, 203 ZIPs; Kansas 3 counties, 105 ZIPs.
Simmons Bank (#3890) largest markets: Harris County, TX (286 branches, 143 ZIPs) (#3890), Dallas County, TX (475 branches, 95 ZIPs) (#3890), Tarrant County, TX (836 branches, 76 ZIPs) (#3890), Jackson County, MO (116 branches, 58 ZIPs) (#3890), Oklahoma County, OK (220 branches, 55 ZIPs) (#3890), Sedgwick County, KS (156 branches, 52 ZIPs) (#3890).
Simmons Bank (#3890) reports $24.73 billion in total assets; Simmons Bank (#3890) equity $3.24 billion (13.1% of Simmons Bank (#3890) assets); Simmons Bank (#3890) domestic deposits $19.93 billion; Simmons Bank (#3890) net income $148.4 million; Simmons Bank (#3890) return on assets 1.21%; Simmons Bank (#3890) return on equity 9.24%; Simmons Bank (#3890) net interest income $405.1 million; Simmons Bank (#3890) call report June 30, 2026.
Simmons Bank (#3890) noncurrent real-estate loans 0.17% of its book; Simmons Bank (#3890) residential 0.22%; Simmons Bank (#3890) net charge-offs on real estate 1.04%; Simmons Bank (#3890) multifamily charge-offs 0.92%; Simmons Bank (#3890) residential charge-offs 0.52%.
Simmons Bank (#3890) net interest margin 3.85% against an eight-quarter Simmons Bank (#3890) average of 3.21% (Simmons Bank (#3890) compression -0.64 points); Simmons Bank (#3890) real-estate loans 16.5% of equity; Simmons Bank (#3890) non-residential real estate 52.2% of equity; Simmons Bank (#3890) rate-exposure score 40/100, Simmons Bank (#3890) fixed-rate trap 40/100; Simmons Bank (#3890) risk type credit driven; Simmons Bank (#3890) rate regime rates elevated; Simmons Bank (#3890) shares 7.6% below the 52-week high, Simmons Bank (#3890) equity trend stable, Simmons Bank (#3890) snapshot October 20, 2026.
Simmons Bank (#3890) stress score moved from 53.6 on June 22, 2026 to 55.5 on October 20, 2026; Simmons Bank (#3890) ranged 53.6 to 55.5 over 117 snapshots.
Simmons Bank (#3890) alerts: 40 counties; top Simmons Bank (#3890) alert scores: Cleveland County, AR 50 (moderate); Jackson County, AR 44 (moderate); Dallas County, AR 43 (moderate); Columbia County, AR 32 (low); Searcy County, AR 28 (low).