{ "schemaVersion": 1, "organisationId": "O-ec6cf955cebd4c4bb372514b4eb42103", "slug": "simmons-first-national-corp", "name": "SIMMONS FIRST NATIONAL CORP", "updatedAt": "2026-10-02T11:04:59.861144Z", "sections": [ { "type": "OVERVIEW", "text": "Simmons First National Corporation is an Arkansas-based financial holding company whose principal subsidiary, Simmons Bank, provides community and commercial banking. Its services include business and consumer deposits and lending, agricultural and SBA financing, treasury management, digital banking, and trust and investment services. The company describes its approach as relationship-focused and grounded in customer service, integrity, and local decision-making. [P97792374][P115890961][P40635677][P4666998]\n\nHeadquartered in Pine Bluff, Arkansas, Simmons Bank operated approximately 222 financial centers across Arkansas, Kansas, Missouri, Oklahoma, Tennessee, and Texas, according to the 2025 Form 10-K. The parent corporation was organized in 1968, and the bank has operated since 1903. At December 31, 2025, the company reported $24.54 billion in assets and approximately 2,917 full-time-equivalent associates; consolidated total net revenue was $248.6 million in the second quarter of 2026. [P115890961][P97792374][P11302415][https://www.sec.gov/Archives/edgar/data/90498/000162828026011618/sfnc-20251231.htm][P147097541]\n[P97792374][P115890961][P40635677][P4666998][P11302415][P147097541][https://www.sec.gov/Archives/edgar/data/90498/000162828026011618/sfnc-20251231.htm]", "updatedAt": "2026-10-02T11:04:59.861144Z" }, { "type": "PRODUCTS", "text": "Simmons Bank offers consumer deposit products including Signature, Signature Plus, Smart and Private Banking checking, and savings options such as Simply Savings, Elevate Money Market, Health Savings and Simply Youth Savings. Consumer lending includes real-estate and home-equity loans and lines of credit, other consumer loans, and credit cards, including Simmons Visa and secured Foundation Visa cards with stated credit lines of $300–$5,000. Home-loan options include fixed- and adjustable-rate mortgages and FHA, USDA and VA programs. [P40635677][https://www.simmonsbank.com/personal/checking][https://www.simmonsbank.com/personal/savings][https://www.simmonsbank.com/personal/credit-cards/simmons-visa][https://www.simmonsbank.com/personal/credit-cards/simmons-foundation-visa][https://www.simmonsbank.com/personal/home-loans]\n\nDigital banking capabilities include account monitoring, Zelle transfers, credit-score tools, card controls, bill pay and mobile check deposit. Business services include loans and lines of credit; agricultural financing for operating capital, land, livestock, timber, equipment and facilities; SBA 7(a), 504 and Express lending; healthcare financing; and aviation financing for jets and turboprops up to 20 years old. Treasury-management services include account reporting, ACH, lockbox, merchant services, mobile and remote deposit, cash-vault services, and fraud controls such as ACH Positive Pay and ACH Block. [https://www.simmonsbank.com/personal/digital-banking][https://www.simmonsbank.com/business/business-loans][https://www.simmonsbank.com/business/business-loans/agricultural-loans][https://www.simmonsbank.com/business/business-loans/sba-loans][https://www.simmonsbank.com/business/business-loans/healthcare-banking][https://www.simmonsbank.com/business/business-loans/aviation][https://www.simmonsbank.com/business/treasury-management/information-reporting][https://www.simmonsbank.com/business/treasury-management/receivables-solutions][https://www.simmonsbank.com/business/treasury-management/fraud-protection]\n\nWealth and fiduciary offerings include investment management, financial planning, estate administration, farm and land management, private banking, and trust, agency, custodial and escrow services. For the six months ended June 30, 2026, deposit-account service charges were about 27.1% of noninterest income, wealth-management fees 22.5%, debit- and credit-card fees 19.0%, mortgage-lending income 4.2%, bank-owned life-insurance income 9.2%, other service charges and fees 3.4%, and other income 14.6%. These are calculated shares of noninterest income, not total revenue or product profitability; the company does not report distinct revenue shares for individual loan, deposit or retail products. [P74248921][https://www.simmonsbank.com/personal/private-wealth-management][https://www.simmonsbank.com/personal/private-wealth-management/trust-and-estate-planning][T16830255]\n[P40635677][https://www.simmonsbank.com/personal/checking][https://www.simmonsbank.com/personal/savings][https://www.simmonsbank.com/personal/credit-cards/simmons-visa][https://www.simmonsbank.com/personal/credit-cards/simmons-foundation-visa][https://www.simmonsbank.com/personal/home-loans][https://www.simmonsbank.com/personal/digital-banking][https://www.simmonsbank.com/business/business-loans][https://www.simmonsbank.com/business/business-loans/agricultural-loans][https://www.simmonsbank.com/business/business-loans/sba-loans][https://www.simmonsbank.com/business/business-loans/healthcare-banking][https://www.simmonsbank.com/business/business-loans/aviation][https://www.simmonsbank.com/business/treasury-management/information-reporting][https://www.simmonsbank.com/business/treasury-management/receivables-solutions][https://www.simmonsbank.com/business/treasury-management/fraud-protection][P74248921][https://www.simmonsbank.com/personal/private-wealth-management][https://www.simmonsbank.com/personal/private-wealth-management/trust-and-estate-planning][T16830255][T16830255][T16830255][T16830255][T16830255][T16830255][T16830255][T16830255][https://www.simmonsbank.com/personal/checking][https://www.simmonsbank.com/personal/savings][https://www.simmonsbank.com/personal/credit-cards/simmons-visa][https://www.simmonsbank.com/personal/credit-cards/simmons-foundation-visa][https://www.simmonsbank.com/personal/home-loans][https://www.simmonsbank.com/personal/digital-banking][https://www.simmonsbank.com/business/business-loans][https://www.simmonsbank.com/business/business-loans/agricultural-loans][https://www.simmonsbank.com/business/business-loans/sba-loans][https://www.simmonsbank.com/business/business-loans/healthcare-banking][https://www.simmonsbank.com/business/business-loans/aviation][https://www.simmonsbank.com/business/treasury-management/information-reporting][https://www.simmonsbank.com/business/treasury-management/receivables-solutions][https://www.simmonsbank.com/business/treasury-management/fraud-protection][https://www.simmonsbank.com/personal/private-wealth-management][https://www.simmonsbank.com/personal/private-wealth-management/trust-and-estate-planning]", "updatedAt": "2026-10-02T11:04:59.861144Z" }, { "type": "GEOGRAPHY", "text": "For the year ended December 31, 2025, Simmons First National Corp. operated approximately 222 financial centers across Arkansas, Kansas, Missouri, Oklahoma, Tennessee, and Texas. [P44589169] Its principal executive offices are at 501 Main Street, Pine Bluff, Arkansas 71601. [P378081] The available reporting does not provide a geographic breakdown of revenue or employee distribution.\n[P44589169][P378081]", "updatedAt": "2026-10-02T11:04:59.861144Z" }, { "type": "SEGMENTS", "text": "Simmons First National Corporation reports one reportable segment: Community and Commercial Banking. It combines its community and commercial banking groups, which provide similar services and are managed and evaluated company-wide. Activities include consumer, real estate, commercial, agricultural, equipment, warehouse and SBA lending, as well as time deposits, checking and savings accounts, treasury management and credit cards. The company also presents “Other,” which includes wealth management (trust and investment services) and insurance services; these activities are not separately reportable segments. [P118817384][P11818009]\n\nIn FY2025, Community and Commercial Banking generated approximately 99.8% of consolidated net interest income ($717.4 million of $719.2 million); “Other” contributed about 0.2%. On the filing’s total net revenue measure, the shares were approximately 59.7% and 40.3%, respectively. That split was materially affected by a large securities-sale loss recorded in the banking segment, so net interest income is a more representative contribution measure for the year. [T10655802][https://www.sec.gov/Archives/edgar/data/90498/000162828026011618/sfnc-20251231.htm]\n[P118817384][P11818009][T10655802][https://www.sec.gov/Archives/edgar/data/90498/000162828026011618/sfnc-20251231.htm]", "updatedAt": "2026-10-02T11:04:59.861144Z" }, { "type": "HISTORY", "text": "Simmons Bank traces its origins to 1903, when it was founded in Pine Bluff, Arkansas. Simmons First National Corporation, the bank’s holding company, was organized in 1968. [https://www.simmonsbank.com/about][https://www.sec.gov/Archives/edgar/data/90498/000117494726000464/ars-2025_sfnc.pdf]\n\nThe company expanded through acquisitions during the 2010s, including Metropolitan National Bank in 2013, Delta Trust in 2014, Community First/First State Bank in 2015, and Citizens National Bank in 2016. These transactions extended its presence in Arkansas and Tennessee. [https://www.sec.gov/Archives/edgar/data/90498/000117184313004794/newsrelease.htm][https://www.sec.gov/Archives/edgar/data/90498/000117184314004154/newsrelease.htm][https://www.sec.gov/Archives/edgar/data/90498/000117184315001150/newsrelease.htm][https://ir.simmonsbank.com/Simmons-First-National-Corporation-Completes-Acquisition-of-Citizens-National-Bank]\n\nIn 2019, Simmons announced an agreement to acquire The Landrum Company, parent of Landmark Bank. In 2021, it completed acquisitions of Landmark Community Bank and Triumph Bancshares; in 2022, it completed the acquisition of Spirit of Texas Bancshares, extending its footprint into Texas. [https://ir.simmonsbank.com/Simmons-First-National-Corporation-Announces-Agreement-to-Acquire-The-Landrum-Company-July-31%2C-2019][https://ir.simmonsbank.com/Simmons-First-National-Corporation-Completes-Acquisitions-and-Conversions-of-Landmark-Community-Bank-and-Triumph-Bancshares%2C-Inc-October-12%2C-2021][https://ir.simmonsbank.com/Simmons-First-National-Corporation-Completes-Acquisition-and-Conversion-of-Spirit-of-Texas-Bancshares%2C-Inc-April-11%2C-2022]\n\nOn January 1, 2026, Jay Brogdon became president and CEO of the corporation and Simmons Bank, succeeding George Makris. 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"www.sec.gov" }, { "id": "https://ir.simmonsbank.com/Simmons-First-National-Corporation-Completes-Acquisition-of-Citizens-National-Bank", "href": "https://ir.simmonsbank.com/Simmons-First-National-Corporation-Completes-Acquisition-of-Citizens-National-Bank", "label": "ir.simmonsbank.com" }, { "id": "https://ir.simmonsbank.com/Simmons-First-National-Corporation-Announces-Agreement-to-Acquire-The-Landrum-Company-July-31%2C-2019", "href": "https://ir.simmonsbank.com/Simmons-First-National-Corporation-Announces-Agreement-to-Acquire-The-Landrum-Company-July-31%2C-2019", "label": "ir.simmonsbank.com" }, { "id": "https://ir.simmonsbank.com/Simmons-First-National-Corporation-Completes-Acquisitions-and-Conversions-of-Landmark-Community-Bank-and-Triumph-Bancshares%2C-Inc-October-12%2C-2021", "href": "https://ir.simmonsbank.com/Simmons-First-National-Corporation-Completes-Acquisitions-and-Conversions-of-Landmark-Community-Bank-and-Triumph-Bancshares%2C-Inc-October-12%2C-2021", "label": 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