Company: SFNC
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0001628280-25-050112
Chunk: 221

Company: SIMMONS FIRST NATIONAL CORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Part I, Item 8
Chunk 221
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)(297)(10,711)Ending balance, September 30, 2025$36,820 $208,267 $5,981 $6,938 $258,006 

27

(In thousands)CommercialRealEstateCreditCardOtherConsumerand OtherTotalNine Months Ended September 30, 2025Beginning balance, January 1, 2025$41,587 $181,962 $6,007 $5,463 $235,019 Provision for credit loss expense13,841 33,229 4,196 2,656 53,922 Charge-offs(20,579)(7,225)(5,024)(2,084)(34,912)Recoveries1,971 301 802 903 3,977 Net (charge-offs) recoveries(18,608)(6,924)(4,222)(1,181)(30,935)Ending balance, September 30, 2025$36,820 $208,267 $5,981 $6,938 $258,006 Activity in the allowance for credit losses for the three and nine months ended September 30, 2024 was as follows:(In thousands)CommercialRealEstateCreditCardOtherConsumerand OtherTotalAllowance for credit losses:Three Months Ended September 30, 2024Beginning balance, July 1, 2024$43,550 $175,176 $5,765 $5,898 $230,389 Provision for credit loss expense8,088 1,598 1,755 707 12,148 Charge-offs(8,235)(159)(1,744)(524)(10,662)Recoveries439 403 231 275 1,348 Net (charge-offs) recoveries(7,796)244 (1,513)(249)(9,314)Ending balance, September 30, 2024$43,842 $177,018 $6,007 $6,356 $233,223 Nine Months Ended September 30, 2024Beginning balance, January 1, 2024$36,470 $177,177 $5,868 $5,716 $225,231 Provision for credit loss expense26,107 1,770 4,247 1,329 33,453