Company: SFNC
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0001628280-25-050112
Chunk: 73

Company: SIMMONS FIRST NATIONAL CORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Part I, Item 1
Chunk 73
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. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.The amortized cost basis of nonaccrual loans segregated by class of loans are as follows:September 30,December 31,(In thousands)20252024Consumer:  Credit cards$593 $565 Other consumer266 678 Total consumer859 1,243 Real estate:Construction and development9,326 10,681 Single family residential30,671 33,972 Other commercial80,970 28,524 Total real estate120,967 73,177 Commercial:Commercial29,564 35,161 Agricultural1,562 570 Total commercial31,126 35,731 Other564 3 Total$153,516 $110,154 As of September 30, 2025 and December 31, 2024, nonaccrual loans for which there was no related allowance for credit losses had an amortized cost of $6.8 million and $1.7 million, respectively. These loans are individually assessed and do not hold an allowance due to being adequately collateralized under the collateral-dependent valuation method.

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An age analysis of the amortized cost basis of past due loans, including nonaccrual loans, segregated by class of loans is as follows: (In thousands)Gross30-89 DaysPast Due90 Daysor MorePast DueTotalPast DueCurrentTotalLoans90 DaysPast Due &AccruingSeptember 30, 2025      Consumer:      Credit cards$1,360 $613 $1,973 $171,047 $173,020 $423 Other consumer1,142 135 1,277 111,058 112,335 — Total consumer2,502 748 3,250 282,105 285,355 423 Real estate:Construction and development283 9,285 9,568 2,865,255 2,874,823 — Single family residential18,401 12,250 30,651 2,587,198 2,617,849 — Other commercial12,985 67,942 80,927 7,794,722 7,875,649 — Total real estate31,669 89,477 121,146