Company: SFNC
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0001628280-25-050112
Chunk: 79

Company: SIMMONS FIRST NATIONAL CORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Part I, Item 1
Chunk 79
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 management’s “watch list” and is intended to be utilized on a temporary basis for pass grade borrowers where a significant risk-modifying action is anticipated in the near term.•Special Mention - Includes loans with an expanded risk rating of 12.•Substandard - Includes loans with an expanded risk rating of 13 and 14.•Doubtful and loss - Includes loans with an expanded risk rating of 15 and 16.

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The following table presents a summary of loans by credit quality indicator, as of September 30, 2025, segregated by class of loans.Term Loans Amortized Cost Basis by Origination Year(In thousands)2025 (YTD)20242023202220212020 and PriorLines of Credit (“LOC”) Amortized Cost BasisLOC Converted to Term Loans Amortized Cost BasisTotalConsumer - credit cards    Delinquency:Current$— $— $— $— $— $— $171,047 $— $171,047 30-89 days past due— — — — — — 1,360 — 1,360 90+ days past due— — — — — — 613 — 613 Total consumer - credit cards— — — — — — 173,020 — 173,020 Current-period consumer - credit cards gross charge-offs— — — — — — 5,024 — 5,024 Consumer - otherDelinquency:Current49,396 18,565 9,695 8,621 2,443 1,101 21,237 — 111,058 30-89 days past due229 362 152 344 28 — 27 — 1,142 90+ days past due30 59 20 18 8 — — — 135 Total consumer - other49,655 18,986 9,867 8,983 2,479 1,101 21,264 — 112,335 Current-period consumer - other gross charge-offs53 713 285 637 63 36 104 — 1,891 Real estate - C&DRisk rating:Pass83,248 72,848 82,239 34,795 19,253 18,498 2,540