Company: SFNC
Filing Date: 2025-08-05
Form Type: 10-Q
Source: 0001628280-25-037719
Chunk: 256

Company: SIMMONS FIRST NATIONAL CORP
Filing Date: 2025-08-05
Form: 10-Q
Item: Part I, Item 8
Chunk 256
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 purchased and securities sold under agreements to repurchase36,161 172 0.96 52,359 345 1.33 Other borrowings834,312 18,327 4.43 992,506 26,674 5.40 Subordinated debt and debentures366,331 12,322 6.78 366,179 13,998 7.69 Total interest bearing liabilities18,425,252 287,614 3.15 18,911,607 345,983 3.68 Noninterest bearing liabilities:Noninterest bearing deposits4,366,835 4,639,498 Other liabilities314,435 282,144 Total liabilities23,106,522 23,833,249 Stockholders’ equity3,555,265 3,449,089 Total liabilities and stockholders’ equity$26,661,787 $27,282,338 Net interest spread – FTE2.35 1.90 Net interest margin – FTE$348,082 3.01 $318,809 2.68 

56

Table 4 shows changes in interest income and interest expense resulting from changes in both volume and interest rates for the three months ended June 30, 2025 as compared to the three months ended March 31, 2025 and the six months ended June 30, 2025 and 2024, respectively. The changes in interest rate and volume have been allocated to changes in average volume and changes in average rates in proportion to the relationship of absolute dollar amounts of the changes in rates and volume.

Table 4: Volume/Rate Analysis 

Three Months EndedSix Months EndedJune 30, 2025 compared to                       March 31, 2025June 30, 2025 compared to                    June 30, 2024(In thousands, on a fully taxable equivalent basis)VolumeYield/RateTotalVolumeYield/RateTotalIncrease (decrease) in:   Interest income:   Interest bearing balances due from banks and federal funds sold$(242)$70 $(172)$462 $(1,202)$(740)Investment securities - taxable(508)157 (351)(10,980)(7,684)(18,664)Investment securities - non-taxable(361)354 (7)(495)192 (303)Mortgage loans held for