Company: SFNC
Filing Date: 2025-08-05
Form Type: 10-Q
Source: 0001628280-25-037719
Chunk: 127

Company: SIMMONS FIRST NATIONAL CORP
Filing Date: 2025-08-05
Form: 10-Q
Item: Part I, Item 1
Chunk 127
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,628 Net interest spread – FTE2.41 2.30 Net interest margin – FTE$178,246 3.06 $169,836 2.95 

55

Six Months EndedJune 30, 2025June 30, 2024AverageIncome/Yield/AverageIncome/Yield/(In thousands)BalanceExpenseRate (%)BalanceExpenseRate (%)ASSETSEarning assets:Interest bearing balances due from banks and federal funds sold$230,416 $5,234 4.58 $212,949 $5,974 5.64 Investment securities - taxable3,512,029 62,817 3.61 4,098,980 81,481 4.00 Investment securities - non-taxable2,585,931 42,427 3.31 2,616,187 42,730 3.28 Mortgage loans held for sale10,616 343 6.52 9,688 342 7.10 Loans - including fees16,983,776 524,875 6.23 17,001,148 534,265 6.32 Total interest earning assets23,322,768 635,696 5.50 23,938,952 664,792 5.58 Non-earning assets3,339,019 3,343,386 Total assets$26,661,787 $27,282,338 LIABILITIES AND STOCKHOLDERS’ EQUITYLiabilities:      Interest bearing liabilities:      Interest bearing transaction and savings deposits$11,198,922 $137,003 2.47 $11,052,928 $157,779 2.87 Time deposits5,989,526 119,790 4.03 6,447,635 147,187 4.59 Total interest bearing deposits17,188,448 256,793 3.01 17,500,563 304,966 3.50 Federal funds purchased and securities sold under agreements to repurchase36,161 172 0.96 52,359 345 1.33 Other borrowings834,312 18,327 4.43 992,506 26,674 5.40 Subordinated debt and debentures366,331