Company: SFNC
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0001628280-25-050112
Chunk: 266

Company: SIMMONS FIRST NATIONAL CORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Part I, Item 8
Chunk 266
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      Interest bearing liabilities:      Interest bearing transaction and savings deposits$11,043,132 $67,546 2.43 $11,220,060 $69,108 2.47 Time deposits5,116,070 49,064 3.80 5,820,499 57,231 3.94 Total interest bearing deposits16,159,202 116,610 2.86 17,040,559 126,339 2.97 Federal funds purchased and securities sold under agreements to repurchase23,306 72 1.23 32,565 59 0.73 Other borrowings268,278 2,957 4.37 960,817 10,613 4.43 Subordinated debt and debentures407,922 7,123 6.93 366,350 6,188 6.77 Total interest bearing liabilities16,858,708 126,762 2.98 18,400,291 143,199 3.12 Noninterest bearing liabilities:Noninterest bearing deposits4,369,941 4,390,454 Other liabilities317,965 308,223 Total liabilities21,546,614 23,098,968 Stockholders’ equity3,368,308 3,546,163 Total liabilities and stockholders’ equity$24,914,922 $26,645,131 Net interest spread – FTE2.86 2.41 Net interest margin – FTE$190,472 3.50 $178,246 3.06 

58

Nine Months EndedSeptember 30, 2025September 30, 2024AverageIncome/Yield/AverageIncome/Yield/(In thousands)BalanceExpenseRate (%)BalanceExpenseRate (%)ASSETSEarning assets:Interest bearing balances due from banks and federal funds sold$343,623 $11,655 4.53 $210,114 $8,895 5.65 Investment securities - taxable3,255,730 92,000 3.78 4,007,636 118,954 3.96 Investment securities - non-taxable2,133,348 53,637 3.36 2,616,638 64,048 3.27 Mortgage loans held for sale11