Company: SFNC
Filing Date: 2025-05-08
Form Type: 10-Q
Source: 0001628280-25-023690
Chunk: 10

Company: SIMMONS FIRST NATIONAL CORP
Filing Date: 2025-05-08
Form: 10-Q
Item: Part I, Item 2
Chunk 10
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$10,967,450 $72,369 2.63 $11,132,396 $78,692 2.84 Time deposits6,160,429 62,559 4.12 6,397,251 70,661 4.39 6,448,014 73,241 4.57 Total interest bearing deposits17,337,979 130,454 3.05 17,364,701 143,030 3.28 17,580,410 151,933 3.48 Federal funds purchased and securities sold under agreements to repurchase39,797 113 1.15 47,314 119 1.00 54,160 189 1.40 Other borrowings706,402 7,714 4.43 932,366 11,386 4.86 873,278 11,649 5.37 Subordinated debt and debentures366,312 6,134 6.79 366,274 6,505 7.07 366,160 6,972 7.66 Total interest bearing liabilities18,450,490 144,415 3.17 18,710,655 161,040 3.42 18,874,008 170,743 3.64 Noninterest bearing liabilities:Noninterest bearing deposits4,342,948 4,491,361 4,654,179 Other liabilities320,721 333,781 284,191 Total liabilities23,114,159 23,535,797 23,812,378 Stockholders’ equity3,564,469 3,543,146 3,447,021 Total liabilities and stockholders’ equity$26,678,628 $27,078,943 $27,259,399 Net interest spread – FTE2.30 2.15 1.89 Net interest margin – FTE$169,836 2.95 $171,366 2.87 $158,328 2.66 

52

Table 4 shows changes in interest income and interest expense resulting from changes in both volume and interest rates for the three months ended March 31, 2025 as compared to the three months ended December 31, 2024 and March 31, 2024, respectively