Simmons First National Corporation
ir.simmonsbank.comWhat Do They Do?
Provides banking and other financial products and services, including loans, deposits, and trust and investment services, to individuals and businesses.
10-K for FY2025, filed Feb 25, 2026Simmons First National Corporation, an Arkansas corporation organized in 1968, is a financial holding company registered under the Bank…View ↗
Simmons Bank provides banking and other financial products and services to individuals and businesses using a network of approximately 222…View ↗
In addition, Simmons Bank offers a variety of consumer banking products and services, including (among others) savings, time, and checking…View ↗
How Do They Make Money?
Earns interest on loans and investment securities, and collects fees for deposit-account services, card services, and wealth management. Deposit fees are charged periodically or by activity; wealth-management fees are charged monthly based on average assets managed.
10-K for FY2025, filed Feb 25, 2026ASC Topic 606, Revenue from Contracts with Customers, applies to all contracts with customers to provide goods or services in the ordinary…View ↗
Service charges on deposit accounts – The Company’s primary source of funding comes from deposit accounts with its customers. Customers pay…View ↗
Debit and credit card fees – These represent debit and credit card interchange fees, along with credit card fee income. The Company…View ↗
Wealth management fees – The Company enters into contracts with its customers to manage assets for investment, and/or transact on their…View ↗
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10-K for FY2025, filed Feb 25, 2026
FY2025 revenue by product or service (Non-interest income) ↗
$1.2B
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10-K for FY2025, filed Feb 25, 2026
$1.2B ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
Service charges on deposit accounts
|
37%
FY2022: 36%
|
Service charges on deposit accounts, FY2025
$50.9M Sources
|
|
|
Debit and credit card fees
|
25%
FY2022: 24%
|
Debit and credit card fees, FY2025
$34.2M Sources
|
|
|
Wealth management fees
Recurring
10-K for FY2025, filed Feb 25, 2026 |
28%
FY2022: 25%
|
Wealth management fees, FY2025
$39.4M Sources
|
Recurring |
|
Mortgage lending income
|
5.9%
FY2022: 8.2%
|
Mortgage lending income, FY2025
$8.2M Sources
|
|
|
Other service charges and fees
|
4.1%
FY2022: 6.0%
|
Other service charges and fees, FY2025
$5.6M Sources
|
Who Are Their Customers?
Individuals and businesses bank through Simmons Bank's financial centers and internet and mobile platforms; corporate customers use commercial loans, deposits, and treasury services, while individual and corporate clients use its trust services.
10-K for FY2025, filed Feb 25, 2026
Do Revenues Turn Into Profits?
Not on paper. It lost $397.6M in FY2025, but brought in more cash than it spent: $411.4M of free cash flow.
How Are They Changing?
10-Q for Q2 FY2026, filed Aug 5, 2026
Open tableView ↗
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Sep 3, 2026
Plans branch closures and an operating-model redesign
The company expects the initiatives to improve annual pre-provision net revenue by $37 million to $42 million after implementation.
Sources
8-K, filed Sep 3, 2026
In connection with the Initiatives, the Company expects to incur during the third quarter of 2026 aggregate pre-tax expenses in an…View ↗
Growing. Revenue grew 85% in 4 years, from $671.1M in FY2021 to $1.2B in FY2025, about 17% a year.
Banking group structure
The bank's organizing model shifted from community, metro, and corporate groups to community, commercial, and wealth groups. The latest report groups investment and trust needs within wealth, while the older report described specialized corporate lending units.
10-K for FY2022, filed Feb 27, 2023 10-K for FY2025, filed Feb 25, 2026To both effectively compete for and service the needs of different types of customers, Simmons Bank now operates using three main groups: a…View ↗
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