Company: SFNC
Filing Date: 2025-08-05
Form Type: 10-Q
Source: 0001628280-25-037719
Chunk: 204

Company: SIMMONS FIRST NATIONAL CORP
Filing Date: 2025-08-05
Form: 10-Q
Item: Part I, Item 8
Chunk 204
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 be utilized on a temporary basis for pass grade borrowers where a significant risk-modifying action is anticipated in the near term.•Special Mention - Includes loans with an expanded risk rating of 12.•Substandard - Includes loans with an expanded risk rating of 13 and 14.•Doubtful and loss - Includes loans with an expanded risk rating of 15 and 16.

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The following table presents a summary of loans by credit quality indicator, as of June 30, 2025, segregated by class of loans.Term Loans Amortized Cost Basis by Origination Year(In thousands)2025 (YTD)20242023202220212020 and PriorLines of Credit (“LOC”) Amortized Cost BasisLOC Converted to Term Loans Amortized Cost BasisTotalConsumer - credit cards    Delinquency:Current$— $— $— $— $— $— $173,583 $— $173,583 30-89 days past due— — — — — — 1,916 — 1,916 90+ days past due— — — — — — 667 — 667 Total consumer - credit cards— — — — — — 176,166 — 176,166 Current-period consumer - credit cards gross charge-offs— — — — — — 3,162 — 3,162 Consumer - otherDelinquency:Current53,461 23,012 11,910 11,480 3,123 1,308 18,460 — 122,754 30-89 days past due45 175 173 409 27 21 45 — 895 90+ days past due4 71 21 75 8 — 3 — 182 Total consumer - other53,510 23,258 12,104 11,964 3,158 1,329 18,508 — 123,831 Current-period consumer - other gross charge-offs6 552 190 481 62 36 80 — 1,407 Real estate - C&DRisk rating:Pass50,044 35,112 103,079 49,930 25,761 31,610 2,473,597 — 2,769,133 Special