Company: SFNC
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0001628280-25-050112
Chunk: 208

Company: SIMMONS FIRST NATIONAL CORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Part I, Item 8
Chunk 208
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,930 7,912,336 — Total real estate40,416 53,516 93,932 13,297,599 13,391,531 — Commercial:Commercial3,535 27,059 30,594 2,403,581 2,434,175 74 Agricultural393 104 497 260,657 261,154 — Total commercial3,928 27,163 31,091 2,664,238 2,695,329 74 Other276 3 279 609,804 610,083 — Total$48,196 $81,698 $129,894 $16,876,043 $17,005,937 $603  Loan Modifications to Borrowers Experiencing Financial DifficultyThe Company has internal loan modification programs for borrowers experiencing financial difficulties. Modifications to borrowers experiencing financial difficulties may include interest rate reductions, principal or interest forgiveness and/or term extensions. The Company primarily uses interest rate reduction and/or payment modifications or extensions, with an occasional forgiveness of principal. 

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The following table presents a summary of the amortized cost basis of loan modifications granted to borrowers experiencing financial difficulty, segregated by class of loans and type of loan modification, for the three and nine month periods ended September 30, 2025.Percent ofPercent ofInterest RateTotal ClassTotal Class(Dollars in thousands)Reductionof LoansTerm Extensionof LoansThree Months Ended September 30, 2025Consumer:Other consumer$— — %$21 0.02 %Total consumer— 21 Real estate:Single family residential309 0.01 %— — %Total real estate309 — Total$309 $21 Nine Months Ended September 30, 2025Consumer:Other consumer$— — %$21 0.02 %Total consumer— 21 Real estate:Single family residential827 0.03 %— — %Total real estate827 — Total$827 $21 The financial effects of the loan modifications made to borrowers experiencing financial difficulty were not significant during the three and nine month periods ended September 30, 2025. Furthermore, such modifications did not significantly impact the Company’s determination of the allowance for credit losses during those periods.The following table presents a summary of the amortized cost basis of loan modifications granted to borrowers experiencing financial