Company: SFNC
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0001628280-25-050112
Chunk: 133

Company: SIMMONS FIRST NATIONAL CORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Part I, Item 1
Chunk 133
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762 2.98 18,400,291 143,199 3.12 Noninterest bearing liabilities:Noninterest bearing deposits4,369,941 4,390,454 Other liabilities317,965 308,223 Total liabilities21,546,614 23,098,968 Stockholders’ equity3,368,308 3,546,163 Total liabilities and stockholders’ equity$24,914,922 $26,645,131 Net interest spread – FTE2.86 2.41 Net interest margin – FTE$190,472 3.50 $178,246 3.06 

58

Nine Months EndedSeptember 30, 2025September 30, 2024AverageIncome/Yield/AverageIncome/Yield/(In thousands)BalanceExpenseRate (%)BalanceExpenseRate (%)ASSETSEarning assets:Interest bearing balances due from banks and federal funds sold$343,623 $11,655 4.53 $210,114 $8,895 5.65 Investment securities - taxable3,255,730 92,000 3.78 4,007,636 118,954 3.96 Investment securities - non-taxable2,133,348 53,637 3.36 2,616,638 64,048 3.27 Mortgage loans held for sale11,681 572 6.55 10,607 551 6.94 Assets held in trading accounts3,809 99 3.47 — — — Loans - including fees16,981,233 794,967 6.26 17,070,656 813,031 6.36 Total interest earning assets22,729,424 952,930 5.61 23,915,651 1,005,479 5.62 Non-earning assets3,343,676 3,344,561 Total assets$26,073,100 $27,260,212 LIABILITIES AND STOCKHOLDERS’ EQUITYLiabilities:      Interest bearing liabilities:      Interest bearing transaction and savings deposits$11,146,423 $204,549 2.45 $10,976,906 $236,086 2.87 Time deposits5,695,173 168