Total Assets
$24.5B
Total balance-sheet footings
FDIC Cert #3890 · Pine Bluff, Arkansas · Est. 1903
Simmons Bank - FDIC Bank Health Profile
One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.
- $24.5B
- Total assets
- C
- Health grade · Fair
- -1.40%
- Return on assets
- 10.6%
- Tier 1 capital
Data updated July 2026
The verdict
Simmons Bank earns a PlainBankData health grade of C (60/100), with well-capitalized at 10.56% Tier 1, -1.40% ROA, efficient (58% cost ratio).
- #89
- largest of 4,313 FDIC banks by assets
- 98th
- percentile by asset size, nationally
- 10.56%
- Tier 1 ratio - above the 10% well-capitalized line
- 1st
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How Simmons Bank's 60/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Simmons Bank's composite health score
Tier 1 Capital Ratio (10.56%) 28/40
Return on Assets (ROA) (-1.40%) 0/25
Texas Ratio (3.29%) 20/20
Efficiency Ratio (57.93%) 12/15
60 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$20.7B
Customer-funded liabilities
Net Loans
$17.3B
Outstanding loan book
Net Income
$-361,094K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Simmons Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Simmons Bank's score of 60/100 falls in the highlighted band.
Simmons Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Simmons Bank's $24.5B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.56% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.56%
Texas Ratio
3.29%
Equity Capital
$3.2B
Profitability metrics
Return on Assets (ROA)
1st percentile nationally
-1.40%
Return on Equity (ROE)
-10.61%
Efficiency Ratio
57.93%
What the numbers say about Simmons Bank
Simmons Bank is an FDIC-insured institution (Certificate #3890) headquartered in Pine Bluff, Arkansas, established in 1903. It holds $24.5B in total assets - 89th of 4,313 FDIC-insured banks, $20.7B in customer deposits, and $17.3B in net loans. Its capital position: a Tier 1 ratio of 10.56%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 3.29% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of C (60 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, Simmons Bank sits in the top decile of all FDIC-insured institutions by asset size (89th of 4,313), and within Arkansas it ranks 3rd of 78 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is Centennial Bank, at $22.7B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$1.2B
Interest Income
$202M
Non-Interest Income
$561M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Simmons Bank reports a Texas Ratio of 3.29% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.29% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Simmons Bank
Simmons Bank's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-361,094K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Simmons Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Arkansas by total assets
National size peers: banks closest to Simmons Bank by assets
Measured strictly by total assets rather than geography, Simmons Bank's closest national peers include Cathay Bank, Bank of Hawaii, Customers Bank, Rockland Trust Company, spanning 5 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within Arkansas. Averaged across this asset-matched cohort, return on assets runs 1.13% (Simmons Bank is below that at -1.40%), the efficiency ratio averages 51.92% (Simmons Bank runs higher at 57.93%), and Tier 1 capital averages 13.44% (Simmons Bank holds less at 10.56%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.
At $24.5B in assets, Simmons Bank has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.
| Bank | State | Assets | ROA | Efficiency | Tier 1 |
|---|---|---|---|---|---|
| Simmons Bank (this bank) | AR | $24.5B | -1.40% | 57.93% | 10.56% |
| Cathay Bank | CA | $24.2B | 1.38% | 43.01% | 13.73% |
| Bank of Hawaii | HI | $24.1B | 0.87% | 60.14% | 13.89% |
| Customers Bank | PA | $24.9B | 1.01% | 48.22% | 13.25% |
| Rockland Trust Company | MA | $24.9B | 1.03% | 58.01% | 14.51% |
| Provident Bank | NJ | $24.9B | 1.28% | 46.51% | 12.15% |
| First Hawaiian Bank | HI | $24.0B | 1.19% | 55.64% | 13.10% |
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Simmons Bank (FDIC Cert #3890) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Arkansas
All Arkansas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Bank OZKLittle Rock | $40.8B | A | 1.78% |
| Arvest BankFayetteville | $27.8B | C | 0.49% |
| Centennial BankConway | $22.7B | A | 2.14% |
| First Security BankSearcy | $8.4B | A | 1.81% |
| ENCORE BANKLittle Rock | $3.6B | C | 0.19% |
| First Community BankBatesville | $3.4B | B | 1.09% |
| Farmers Bank & Trust CompanyMagnolia | $3.1B | B | 1.36% |
| Southern Bancorp BankArkadelphia | $2.8B | B | 0.81% |
Frequently asked questions
What is Simmons Bank's health grade?▼
Simmons Bank receives a health grade of C (60/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Simmons Bank?▼
Simmons Bank holds $24.5B in total assets and $20.7B in deposits, ranking 89th of 4,313 FDIC-insured banks by asset size. It is headquartered in Pine Bluff, Arkansas.
Is my money safe at Simmons Bank?▼
Yes, deposits at Simmons Bank (Certificate #3890) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Simmons Bank's Tier 1 Capital Ratio?▼
Simmons Bank has a Tier 1 Capital Ratio of 10.56%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Simmons Bank?▼
Simmons Bank has a Texas Ratio of 3.29%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Simmons Bank?▼
Simmons Bank has an Efficiency Ratio of 57.93%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Simmons Bank's profile as a depositor or analyst.
- Simmons Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Simmons Bank against other Arkansas banks before moving funds. Arkansas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.