Company: SFNC
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0001628280-25-050112
Chunk: 87

Company: SIMMONS FIRST NATIONAL CORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Part I, Item 1
Chunk 87
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92,542 Commercial15,472 15,472 Total$92,944 $15,472 $108,416 December 31, 2024Construction and development$1,251 $— $1,251 Single family residential— — — Other commercial real estate69,429 — 69,429 Commercial— 31,900 31,900 Total$70,680 $31,900 $102,580 The following table details activity in the allowance for credit losses by portfolio segment for the three and nine months ended September 30, 2025. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories. (In thousands)CommercialRealEstateCreditCardOtherConsumerand OtherTotalAllowance for credit losses:Three Months Ended September 30, 2025Beginning balance, July 1, 2025$37,198 $203,985 $6,087 $6,267 $253,537 Provision for credit loss expense7,196 5,517 1,499 968 15,180 Charge-offs(8,079)(1,350)(1,862)(600)(11,891)Recoveries505 115 257 303 1,180 Net (charge-offs) recoveries(7,574)(1,235)(1,605)(297)(10,711)Ending balance, September 30, 2025$36,820 $208,267 $5,981 $6,938 $258,006 

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(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,