Company: SFNC
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0001628280-25-050112
Chunk: 13

Company: SIMMONS FIRST NATIONAL CORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Part I, Item 2
Chunk 13
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,841,596 373,403 2.96 17,393,707 457,210 3.51 Federal funds purchased and securities sold under agreements to repurchase31,829 244 1.02 52,181 483 1.24 Other borrowings643,561 21,284 4.42 1,079,781 43,741 5.41 Subordinated debt and debentures380,347 19,445 6.84 366,199 21,126 7.71 Total interest bearing liabilities17,897,333 414,376 3.10 18,891,868 522,560 3.69 Noninterest bearing liabilities:Noninterest bearing deposits4,367,882 4,604,445 Other liabilities315,624 295,991 Total liabilities22,580,839 23,792,304 Stockholders’ equity3,492,261 3,467,908 Total liabilities and stockholders’ equity$26,073,100 $27,260,212 Net interest spread – FTE2.51 1.93 Net interest margin – FTE$538,554 3.17 $482,919 2.70 

59

Table 4 shows changes in interest income and interest expense resulting from changes in both volume and interest rates for the three months ended September 30, 2025 as compared to the three months ended June 30, 2025 and the nine months ended September 30, 2025 and 2024, respectively. The changes in interest rate and volume have been allocated to changes in average volume and changes in average rates in proportion to the relationship of absolute dollar amounts of the changes in rates and volume.

Table 4: Volume/Rate Analysis 

Three Months EndedNine Months EndedSeptember 30, 2025 compared to                       June 30, 2025September 30, 2025 compared to                    September 30, 2024(In thousands, on a fully taxable equivalent basis)VolumeYield/RateTotalVolumeYield/RateTotalIncrease (decrease) in:   Interest income:   Interest bearing balances due from banks and federal funds sold$3,929 $(39)$3,890 $4,796 $(2,036)$2,760 Investment securities - taxable(7,207)5,157