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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 3890 · AR C · 60/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-LARGE · BOOK-FULL

  • GRADE-C C (60/100)
  • LOWER-Q #3752/4307
  • PHOTO-FINISH SNB Bank, National A… · OK
  • TIER1-WELL 10.6% Tier 1
  • TEXAS-CLEAN 3.3% Texas
  • ROA-LOSS -1.40% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Arkansas: SNB Bank, National Association, OK (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Simmons Bank

Lowest and highest poles plus nearest scored peers outside Arkansas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100First Bethany Bank &… · OK ·…60/100Horizon Bank · IN · near60/100Simmons Bank · AR · this bank60/100SNB Bank, National A… · OK ·…60/100Vista National Bank… · KS · …60/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Simmons Bank · July 2026

What Simmons Bank's Call Report plate shows

Simmons Bank (FDIC Cert #3890) carries a PlainBankData health grade of C at 60/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,752 of 4,307. Tier 1 capital prints at 10.56%, clearing the 10% well-capitalized line. The Texas Ratio is 3.29%, inside the sub-50% band analysts treat as healthy. Return on assets is -1.40%. Balance-sheet scale is $24.5B, 89th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is SNB Bank, National Association (OK), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Simmons Bank

4 FAILURE resolutions in Arkansas since 2000 (3 since 2008)

Simmons Bank's home state sits in the middle band of post-2000 FAILURE counts (4; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Simmons Bank remains an active FDIC-insured reporter.

  • ALLIED BANK MULBERRY, AR 2016 → TODAY'S BANK
  • FIRST SOUTHERN BANK BATESVILLE, AR 2010 → SOUTHERN BANK
  • ANB FINANCIAL NATIONAL ASSOCIATION BENTONVILLE, AR 2008 → PULASKI BANK AND TRUST CO

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Arkansas banks.

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.

0/100100/100National avg77/10060/100
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 Assets

$24.5B

Total balance-sheet footings

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

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.16% 10.56% 11.96%
Basel III capital ratios - Simmons Bank

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

60 13th percentile higher than 13% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Simmons Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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 ratios for Simmons Bank

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

What these ratios mean →

Profitability metrics: Simmons Bank

Return on Assets (ROA)
1st percentile nationally
-1.40%
Return on Equity (ROE)
-10.61%
Efficiency Ratio
57.93%

What these mean →

Income & expense: loss period at Simmons Bank

$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.

FDIC Failed Bank List → View Simmons Bank on FDIC BankFind →

Top banks in Arkansas by total assets

Largest banks headquartered in Arkansas
  1. 1
    Bank OZK $40.8B

    Little Rock, AR · Grade A

  2. 2
    Arvest Bank $27.8B

    Fayetteville, AR · Grade C

  3. 3
    Simmons Bank $24.5B

    Pine Bluff, AR · Grade C

  4. 4
    Centennial Bank $22.7B

    Conway, AR · Grade A

  5. 5
    First Security Bank $8.4B

    Searcy, AR · Grade A

Top 5 banks in Arkansas ranked by total assets · FDIC Call Report Q4 2025.

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.

Closest banks to Simmons Bank nationally by total assets
  1. 1
    Cathay Bank $24.2B

    Los Angeles, CA · Grade A

  2. 2
    Bank of Hawaii $24.1B

    Honolulu, HI · Grade B

  3. 3
    Customers Bank $24.9B

    Malvern, PA · Grade A

  4. 4
    Rockland Trust Company $24.9B

    Rockland, MA · Grade A

  5. 5
    Provident Bank $24.9B

    Jersey City, NJ · Grade A

  6. 6
    First Hawaiian Bank $24.0B

    Honolulu, HI · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 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%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($24.5B here), outside Arkansas so the neighborhood is not state containment.

Cathay Bank $24.2B · CA Bank of Hawaii $24.1B · HI Customers Bank $24.9B · PA Rockland Trust Company $24.9B · MA

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.

Simmons Bank Call Report profile · FDIC Failed Bank List · Arkansas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Arkansas

All Arkansas banks →
BankAssetsGradeROA
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%