Simmons Bank Mortgage Rates, Fees & Info

Pine Bluff, AR

LEI: 549300DPRWSBUY619V27

Tax ID: 71-0162300

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Mortgage Data

Bank Data

Review & Overview

Simmons Bank is a small bank specializing in Home Purchase and Refi loans. Simmons Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Little Rock, Dallas, Fayetteville, St. Louis, and Nashville among others. We have data for 122 markets. (Some data included below & more in-depth data is available with an active subscription.)

Simmons Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Simmons Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 6.74% 12/16/24
30 Year Conventional Purchase 6.66% 12/16/24
30 Year Conventional Refi 6.89% 12/16/24
30 Year Cash-out Refi 6.69% 12/16/24
30 Year FHA Purchase 7.46% 12/16/24
30 Year FHA Refi 6.27% 12/16/24
30 Year VA Purchase 6.51% 12/16/24
30 Year USDA Purchase 6.97% 12/16/24
15 Year Conventional Purchase 6.49% 12/16/24
15 Year Conventional Refi 6.55% 12/16/24
15 Year Cash-out Refi 6.55% 12/16/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Simmons Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Simmons Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

5,609

Origination Dollar Volume (All Markets)

$1,055,685,000

Employee count

2,686 Show all (25) awards

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 828 $160,040,000 $193,285 $3,179 4.46%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 297 $91,135,000 $306,852 $4,591 4.47%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 320 $68,060,000 $212,688 $3,261 4.71%
Outside of Metro Areas 560 $64,850,000 $115,804 $2,708 5.34%
ST. LOUIS, MO-IL (FHA|USDA|VA) 244 $54,580,000 $223,689 $2,665 4.67%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 260 $53,200,000 $204,615 $4,018 5.20%
SPRINGFIELD, MO (FHA|USDA|VA) 342 $52,770,000 $154,298 $2,865 4.68%
OKLAHOMA CITY, OK (FHA|USDA|VA) 188 $45,580,000 $242,447 $3,406 4.56%
JONESBORO, AR (FHA|USDA|VA) 264 $39,530,000 $149,735 $3,368 5.07%
JACKSON, TN (FHA|USDA|VA) 250 $37,310,000 $149,240 $3,298 5.02%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 87 $32,505,000 $373,621 $4,542 5.07%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 4 $30,900,000 $7,725,000 $3,015 5.42%
Stillwater, OK (FHA|USDA|VA) 143 $26,635,000 $186,259 $3,373 4.39%
HOT SPRINGS, AR (FHA|USDA|VA) 183 $25,295,000 $138,224 $2,447 5.02%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 74 $22,620,000 $305,676 $4,631 4.03%
FORT SMITH, AR-OK (FHA|USDA|VA) 98 $21,330,000 $217,653 $3,456 4.97%
Searcy, AR (FHA|USDA|VA) 149 $19,035,000 $127,752 $3,244 4.57%
PINE BLUFF, AR (FHA|USDA|VA) 122 $17,250,000 $141,393 $2,866 5.05%
WICHITA, KS (FHA|USDA|VA) 64 $15,860,000 $247,813 $2,997 4.35%
KNOXVILLE, TN (FHA|USDA|VA) 76 $13,640,000 $179,474 $3,568 5.27%
Sedalia, MO (FHA|USDA|VA) 77 $12,485,000 $162,143 $2,313 5.06%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 24 $10,990,000 $457,917 $3,396 4.88%
Branson, MO (FHA|USDA|VA) 94 $10,680,000 $113,617 $2,323 5.55%
Union City, TN (FHA|USDA|VA) 91 $10,265,000 $112,802 $2,778 5.14%
Martin, TN (FHA|USDA|VA) 115 $9,895,000 $86,043 $3,137 5.37%
Russellville, AR (FHA|USDA|VA) 89 $9,625,000 $108,146 $2,856 4.81%
KANSAS CITY, MO-KS (FHA|USDA|VA) 51 $9,335,000 $183,039 $2,632 5.19%
Dyersburg, TN (FHA|USDA|VA) 89 $9,145,000 $102,753 $3,309 5.15%
JOPLIN, MO (FHA|USDA|VA) 32 $7,590,000 $237,188 $2,696 5.44%
TULSA, OK (FHA|USDA|VA) 26 $6,180,000 $237,692 $4,169 4.89%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 19 $6,175,000 $325,000 $5,135 4.33%
Paragould, AR (FHA|USDA|VA) 49 $5,605,000 $114,388 $2,832 5.00%
El Dorado, AR (FHA|USDA|VA) 55 $5,175,000 $94,091 $2,830 5.25%
Athens, TN (FHA|USDA|VA) 41 $3,825,000 $93,293 $2,928 5.16%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 7 $3,695,000 $527,857 $5,803 5.06%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 11 $2,575,000 $234,091 $5,067 5.24%
Brownsville, TN (FHA|USDA|VA) 24 $1,380,000 $57,500 $2,227 6.27%
Breckenridge, CO (FHA|USDA|VA) 1 $1,345,000 $1,345,000 $3,830 4.00%
Batesville, AR (FHA|USDA|VA) 11 $1,315,000 $119,545 $3,096 4.66%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 2 $1,260,000 $630,000 $7,964 4.77%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 2 $1,210,000 $605,000 $6,036 4.75%
Tupelo, MS (FHA|USDA|VA) 2 $1,190,000 $595,000 $0 5.75%
EL PASO, TX (FHA|USDA|VA) 3 $1,145,000 $381,667 $5,943 4.50%
TYLER, TX (FHA|USDA|VA) 4 $1,130,000 $282,500 $4,932 4.78%
TUCSON, AZ (FHA|USDA|VA) 2 $1,110,000 $555,000 $13,171 4.35%
Malvern, AR (FHA|USDA|VA) 7 $1,085,000 $155,000 $2,732 4.77%
Blytheville, AR (FHA|USDA|VA) 7 $995,000 $142,143 $3,223 3.93%
Edwards, CO (FHA|USDA|VA) 1 $985,000 $985,000 $3,071 4.25%
COLUMBUS, OH (FHA|USDA|VA) 2 $890,000 $445,000 $6,483 4.25%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 4 $860,000 $215,000 $5,264 4.69%
MIDLAND, TX (FHA|USDA|VA) 2 $850,000 $425,000 $5,724 5.00%
Paris, TN (FHA|USDA|VA) 7 $845,000 $120,714 $2,923 5.78%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $815,000 $815,000 $3,648 4.00%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $805,000 $805,000 $6,948 3.63%
LAS CRUCES, NM (FHA|USDA|VA) 2 $780,000 $390,000 $5,644 3.19%
COLUMBIA, MO (FHA|USDA|VA) 3 $775,000 $258,333 $1,856 4.75%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $745,000 $745,000 $8,265 4.71%
Oxford, MS (FHA|USDA|VA) 1 $745,000 $745,000 $7,866 3.95%
GAINESVILLE, FL (FHA|USDA|VA) 1 $675,000 $675,000 $6,191 4.50%
FORT COLLINS, CO (FHA|USDA|VA) 3 $665,000 $221,667 $4,250 4.91%
Ponca City, OK (FHA|USDA|VA) 3 $625,000 $208,333 $3,188 3.96%
Hutchinson, KS (FHA|USDA|VA) 5 $625,000 $125,000 $2,589 4.02%
Harrison, AR (FHA|USDA|VA) 5 $595,000 $119,000 $2,222 5.39%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1 $595,000 $595,000 $9,017 4.86%
Sevierville, TN (FHA|USDA|VA) 2 $590,000 $295,000 $3,026 5.00%
Warrensburg, MO (FHA|USDA|VA) 3 $565,000 $188,333 $2,222 4.79%
CORPUS CHRISTI, TX (FHA|USDA|VA) 2 $550,000 $275,000 $5,999 4.53%
Parsons, KS (FHA|USDA|VA) 4 $530,000 $132,500 $2,471 6.00%
SAN ANGELO, TX (FHA|USDA|VA) 1 $495,000 $495,000 $8,531 4.25%
Mountain Home, AR (FHA|USDA|VA) 5 $485,000 $97,000 $998 5.60%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $475,000 $475,000 $5,165 2.88%
AMARILLO, TX (FHA|USDA|VA) 2 $430,000 $215,000 $3,990 4.59%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $425,000 $425,000 $8,874 3.99%
BATON ROUGE, LA (FHA|USDA|VA) 1 $415,000 $415,000 $6,972 5.44%
McAlester, OK (FHA|USDA|VA) 2 $380,000 $190,000 $3,600 5.26%
Taos, NM (FHA|USDA|VA) 1 $365,000 $365,000 $3,200 3.99%
Kerrville, TX (FHA|USDA|VA) 1 $355,000 $355,000 $6,783 3.75%
PANAMA CITY, FL (FHA|USDA|VA) 1 $345,000 $345,000 $8,970 3.83%
RENO, NV (FHA|USDA|VA) 1 $325,000 $325,000 $4,815 4.71%
LOUISVILLE, KY (FHA|USDA|VA) 1 $315,000 $315,000 $2,854 3.88%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $315,000 $315,000 $8,655 3.38%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 1 $315,000 $315,000 $2,980 4.13%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $305,000 $305,000 $4,044 4.50%
Kalispell, MT (FHA|USDA|VA) 1 $305,000 $305,000 $4,567 3.63%
TEXARKANA, TX-AR (FHA|USDA|VA) 2 $300,000 $150,000 $3,564 4.98%
CLEVELAND, TN (FHA|USDA|VA) 4 $300,000 $75,000 $2,355 5.56%
Ada, OK (FHA|USDA|VA) 1 $285,000 $285,000 $3,828 4.71%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $285,000 $285,000 $8,390 3.99%
MONROE, MI (FHA|USDA|VA) 1 $275,000 $275,000 $2,599 3.75%
Arkadelphia, AR (FHA|USDA|VA) 2 $260,000 $130,000 $2,030 5.55%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $245,000 $245,000 $2,708 4.13%
CHEYENNE, WY (FHA|USDA|VA) 1 $225,000 $225,000 $0 6.72%
WICHITA FALLS, TX (FHA|USDA|VA) 1 $225,000 $225,000 $3,653 3.63%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $205,000 $205,000 $1,986 3.88%
ST. CLOUD, MN (FHA|USDA|VA) 1 $195,000 $195,000 $6,174 3.25%
BOWLING GREEN, KY (FHA|USDA|VA) 1 $195,000 $195,000 $6,453 4.38%
Lewisburg, TN (FHA|USDA|VA) 1 $195,000 $195,000 $4,842 3.38%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $175,000 $175,000 $5,473 4.88%
MONTGOMERY, AL (FHA|USDA|VA) 1 $175,000 $175,000 $6,293 3.38%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $175,000 $175,000 $2,437 4.25%
Athens, TX (FHA|USDA|VA) 1 $175,000 $175,000 $3,093 3.88%
Ardmore, OK (FHA|USDA|VA) 1 $175,000 $175,000 $3,353 4.67%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $155,000 $155,000 $1,648 5.54%
JEFFERSON CITY, MO (FHA|USDA|VA) 1 $155,000 $155,000 $2,198 3.75%
Enterprise, AL (FHA|USDA|VA) 1 $135,000 $135,000 $2,484 3.88%
HATTIESBURG, MS (FHA|USDA|VA) 1 $135,000 $135,000 $2,547 4.13%
McMinnville, TN (FHA|USDA|VA) 1 $125,000 $125,000 $0 5.75%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $125,000 $125,000 $1,998 4.50%
Hope, AR (FHA|USDA|VA) 1 $115,000 $115,000 $4,039 4.38%
Magnolia, AR (FHA|USDA|VA) 1 $105,000 $105,000 $1,813 4.00%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $105,000 $105,000 $2,298 4.25%
ASHEVILLE, NC (FHA|USDA|VA) 1 $105,000 $105,000 $2,056 4.50%
LUBBOCK, TX (FHA|USDA|VA) 1 $95,000 $95,000 $2,228 3.75%
Muskogee, OK (FHA|USDA|VA) 3 $85,000 $28,333 $2,101 5.29%
Granbury, TX (FHA|USDA|VA) 1 $75,000 $75,000 $3,907 3.38%
Ottawa, IL (FHA|USDA|VA) 1 $75,000 $75,000 $4,540 5.64%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $75,000 $75,000 $2,563 5.00%
West Plains, MO (FHA|USDA|VA) 1 $75,000 $75,000 $0 6.25%
Plainview, TX (FHA|USDA|VA) 1 $65,000 $65,000 $2,075 4.63%
Corsicana, TX (FHA|USDA|VA) 1 $65,000 $65,000 $2,630 5.38%
Central City, KY (FHA|USDA|VA) 1 $35,000 $35,000 $1,683 6.33%
Salina, KS (FHA|USDA|VA) 1 $25,000 $25,000 $0 6.00%
Simmons Bank's top markets include Little Rock, Dallas, Fayetteville, St. Louis, and Nashville among others.

Their top states include:
  • Arkansas (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Oklahoma (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against Simmons Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 3,875 $867,315,000 $223,823 $2,913 4.72%
    HELOC 997 $68,485,000 $68,691 n/a 6.02%
    FHA 376 $58,250,000 $154,920 $5,282 4.07%
    USDA 191 $23,475,000 $122,906 $3,651 3.97%
    VA 170 $38,160,000 $224,471 $4,908 3.77%

    For 2019, Simmons Bank's most frequently originated type of loan was Conventional, with 3,875 originations. Their 2nd most popular type was HELOC, with 997 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 3,247 $702,115,000 $216,235 $3,461 4.53%
    Refi 1,149 $215,515,000 $187,567 $2,692 5.22%
    Home Improvement 434 $28,640,000 $65,991 $1,302 6.08%
    Other 415 $33,535,000 $80,807 $2,430 5.77%
    Cash Out Refi 364 $75,880,000 $208,462 $3,182 4.14%

    For 2019, Simmons Bank's most frequently cited loan purpose was Home Purchase, with 3,247 originations. The 2nd most popular reason was Refi, with 1,149 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 3,121 $665,045,000 $213,087 $3,486 4.29%
    10 Year 1,068 $79,040,000 $74,007 $1,604 5.95%
    15 Year 518 $87,510,000 $168,938 $2,520 4.35%
    5 Year 476 $126,040,000 $264,790 $832 6.10%
    20 Year 152 $25,950,000 $170,724 $2,760 4.48%
    Other 140 $48,660,000 $347,571 $1,975 6.05%
    1 Year 86 $14,050,000 $163,372 $2,144 5.96%
    3 Year 48 $9,390,000 $195,625 $50 6.14%

    For 2019, Simmons Bank's most frequently cited loan duration was 30 Year, with 3,121 originations. The 2nd most popular length was 10 Year, with 1,068 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,877 $554,025,000 $192,570
    $1k-2k 696 $126,980,000 $182,443
    $2k-3k 230 $52,730,000 $229,261
    $3k-4k 76 $30,300,000 $398,684
    $4k-5k 27 $13,425,000 $497,222
    $5k+ 23 $16,525,000 $718,478

    Simmons Bank's average total fees were $3,486, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,877 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,919 $417,465,000 $217,543
    4-5% 1,413 $309,535,000 $219,062
    5-6% 1,321 $218,605,000 $165,484
    6-7% 719 $73,125,000 $101,704
    7-8% 160 $8,310,000 $51,938
    2.5-3% 39 $10,305,000 $264,231
    Over 8% 36 $1,440,000 $40,000
    % 1 $16,665,000 $16,665,000

    During 2019, Simmons Bank's average interest rate for loans was 4.29%, while their most frequently originated rate bucket for loans was 3-4%, with 1,919 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 2,016 $108,760,000 $53,948 $2,223 5.66%
    $100k-200k 1,886 $271,920,000 $144,178 $3,124 4.54%
    $200k-400k 1,290 $351,910,000 $272,798 $3,736 4.20%
    $400k-600k 293 $135,695,000 $463,123 $4,358 4.20%
    $600k-1MM 82 $61,830,000 $754,024 $6,561 4.88%
    $1MM+ 42 $125,570,000 $2,989,762 $7,785 5.06%

    2019 saw Simmons Bank place emphasis on $100,000 or less loans with 2,016 originations, totaling $108,760,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 1,179 $110,885,000 $94,050 $2,920 4.93%
    $50k-75k 1,126 $149,920,000 $133,144 $3,186 4.70%
    $100k-150k 937 $181,445,000 $193,645 $3,333 4.74%
    $75k-100k 804 $124,580,000 $154,950 $3,149 4.78%
    $150k-250k 572 $141,910,000 $248,094 $3,471 4.68%
    $250k+ 409 $155,915,000 $381,210 $4,327 4.71%

    Simmons Bank lent most frequently to those with incomes in the $50k or less range, with 1,179 originations. The second most popular income band? $50k-75k, with 1,126 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,169 $204,765,000 $175,163 $3,048 4.65%
    30-36% 911 $163,865,000 $179,874 $3,319 4.61%
    <20% 688 $105,770,000 $153,735 $2,846 4.84%
    44% 240 $37,960,000 $158,167 $3,381 5.09%
    39% 188 $32,480,000 $172,766 $3,325 4.72%
    43% 187 $33,945,000 $181,524 $3,313 4.90%
    40% 187 $30,515,000 $163,182 $3,354 4.78%
    42% 183 $33,525,000 $183,197 $3,452 4.63%
    41% 172 $28,830,000 $167,616 $3,028 4.77%
    38% 170 $33,210,000 $195,353 $3,552 4.65%
    36% 160 $30,090,000 $188,063 $3,413 4.65%
    37% 152 $29,910,000 $196,776 $3,560 4.73%
    47% 94 $18,350,000 $195,213 $3,319 4.12%
    45% 89 $16,795,000 $188,708 $3,736 4.15%
    50-60% 82 $13,910,000 $169,634 $4,763 4.48%
    49% 76 $16,370,000 $215,395 $3,294 4.21%
    46% 61 $11,505,000 $188,607 $3,796 4.18%
    48% 59 $12,015,000 $203,644 $3,685 4.06%
    >60% 19 $1,775,000 $93,421 $1,472 7.14%

    Simmons Bank lent most frequently to those with DTI ratios of 20-30%, with 1,169 originations. The next most common DTI ratio? 30-36%, with 911 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 4,394 $772,680,000 $175,849 $3,227 4.70%
    Not applicable 427 $168,645,000 $394,953 $0 5.86%
    Not provided 438 $54,890,000 $125,320 $3,229 5.64%
    Black 222 $32,470,000 $146,261 $3,928 4.72%
    Asian 109 $23,495,000 $215,550 $3,193 4.15%
    American Indian 13 $1,935,000 $148,846 $4,076 4.79%
    Native Hawaiian or Islander 2 $880,000 $440,000 $6,765 4.68%
    Asian Indian 1 $275,000 $275,000 $7,127 4.00%
    Chinese 1 $185,000 $185,000 $3,473 6.64%
    Japanese 1 $155,000 $155,000 $1,832 4.88%
    Other Asian 1 $75,000 $75,000 $2,450 5.94%

    Approval Rates

    Total approvals of all applications
    89.27%

    Simmons Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    77.52%

    Simmons Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 5,609 $1,055,685,000 $188,213

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 3 $375,000 $125,000
    Multifamily:Site-Built 34 $91,680,000 $2,696,471
    Single Family (1-4 Units):Manufactured 63 $5,735,000 $91,032
    Single Family (1-4 Units):Site-Built 5,509 $957,895,000 $173,878

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 553 $47,085,000 $85,145 $2,310 5.65%
    40-60% 580 $130,500,000 $225,000 $2,753 4.93%
    60-80% 1,584 $374,010,000 $236,117 $2,925 4.69%
    80-100% 2,303 $456,525,000 $198,231 $3,624 4.49%
    Over 100% 59 $19,555,000 $331,441 $7,133 4.10%
    Under 20% 516 $25,810,000 $50,019 $735 6.09%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Simmons Bank 16407 Rt 13 Reeds Spring, MO 65737 Full Service B&M $23,676
    Simmons Bank 809 West Market Street Bolivar, TN 38008 Full Service B&M $70,706
    Simmons Bank 1 Chapel Plaza Crowley, TX 76036 Limited, Mobile/Seasonal Office $0
    Simmons Bank 100 East 30th Hutchinson, KS 67502 Full Service B&M $53,378
    Simmons Bank 100 East Reelfoot Avenue Union City, TN 38261 Full Service B&M $108,723
    Simmons Bank 100 N Hester Street Suite 056 Stillwater, OK 74078 Full Service B&M $6,077
    Simmons Bank 100 Werner Street Hot Springs, AR 71913 Full Service B&M $77,862
    Simmons Bank 100 West Commercial Street Ozark, AR 72949 Full Service B&M $29,651
    Simmons Bank 100 West Grove Street El Dorado, AR 71730 Full Service B&M $175,710
    Simmons Bank 106 University Street Martin, TN 38237 Full Service B&M $127,458
    Simmons Bank 1000 South Highway Drive Fenton, MO 63026 Full Service B&M $76,834
    Simmons Bank 1001 Howdershell Road Hazelwood, MO 63042 Full Service B&M $53,144
    Simmons Bank 1002 South Mt. Olive Siloam Springs, AR 72761 Full Service B&M $16,021
    Simmons Bank 1005 East Oak Street Conway, AR 72032 Full Service B&M $16,097
    Simmons Bank 101 S Church Street Dresden, TN 38225 Full Service B&M $63,542
    Simmons Bank 10111 West 21st St. North Wichita, KS 67205 Full Service B&M $28,852
    Simmons Bank 10300 N. Rodney Parham Rd Little Rock, AR 72227 Full Service B&M $38,624
    Simmons Bank 10301 Clayton Road Frontenac, MO 63131 Full Service Retail $162,377
    Simmons Bank 1040 Glenbrook Way Hendersonville, TN 37075 Full Service B&M $12,047
    Simmons Bank 10425 Stagecoach Road Little Rock, AR 72210 Full Service B&M $37,087
    Simmons Bank 10457 Park Meadows Drive Suite 300 Lone Tree, CO 80124 Full Service B&M $77,724
    Simmons Bank 1055 Steel Avenue, Suite 110 Conway, AR 72032 Full Service B&M $14,423
    Simmons Bank 107 North Poplar Street Kenton, TN 38233 Full Service B&M $40,176
    Simmons Bank 108 East Speedway Dermott, AR 71638 Full Service B&M $15,150
    Simmons Bank 1100 Rogers Street Clarksville, AR 72830 Full Service B&M $47,556
    Simmons Bank 1102 West Hall Of Fame Avenue Stillwater, OK 74075 Limited, Drive-thru $3,339
    Simmons Bank 1106 N Stonewall Avenue Oklahoma City, OK 73117 Full Service B&M $5,974
    Simmons Bank 111 North 8th Street Rogers, AR 72756 Full Service B&M $32,386
    Simmons Bank 11300 Highway 51 South Atoka, TN 38004 Full Service B&M $37,286
    Simmons Bank 1135 Nashville Pike Gallatin, TN 37066 Full Service B&M $73,471
    Simmons Bank 115 West Washington Avenue Union City, TN 38261 Limited, Administrative $0
    Simmons Bank 11525 Financial Center Parkway Little Rock, AR 72211 Full Service B&M $84,738
    Simmons Bank 117 Boyer Avenue Lincoln, AR 72744 Full Service B&M $48,576
    Simmons Bank 117 Raymond Hirsch Pkwy White House, TN 37188 Full Service B&M $30,649
    Simmons Bank 1414 East Primrose Springfield, MO 65804 Full Service B&M $73,971
    Simmons Bank 11781 Manchester Road Des Peres, MO 63131 Full Service B&M $51,386
    Simmons Bank 1203 Murfreesboro Road, #549 Franklin, TN 37064 Full Service B&M $17,119
    Simmons Bank 12121 East 21st Street North Wichita, KS 67206 Full Service B&M $19,872
    Simmons Bank 1215 Highway 411 Vonore, TN 37885 Full Service B&M $28,054
    Simmons Bank 125 North Poplar Searcy, AR 72143 Full Service B&M $26,157
    Simmons Bank 1254 University Drive, Suite 100 Edwardsville, IL 62025 Full Service B&M $41,707
    Simmons Bank 13033 Olive Boulevard Saint Louis, MO 63141 Full Service B&M $39,464
    Simmons Bank 1323 Military Benton, AR 72015 Full Service B&M $32,413
    Simmons Bank 1350 Spur Drive Suite 270 Marshfield, MO 65706 Full Service B&M $38,289
    Simmons Bank 14 Public Square Stockton, MO 65785 Full Service B&M $80,680
    Simmons Bank 1401 W. Highway J. Ozark, MO 65721 Full Service B&M $39,579
    Simmons Bank 1406 South Highway 32 El Dorado Springs, MO 64744 Full Service B&M $32,244
    Simmons Bank 1411 South Walton Boulevard Bentonville, AR 72712 Full Service B&M $26,284
    Simmons Bank 142 East Main Street Sharon, TN 38255 Full Service B&M $43,059
    Simmons Bank 1431 Albert Pike Hot Springs, AR 71913 Full Service B&M $56,135
    Simmons Bank 1440 South Bryant Avenue Edmond, OK 73034 Full Service B&M $28,798
    Simmons Bank 1500 South Utica Avenue Tulsa, OK 74104 Full Service B&M $147,074
    Simmons Bank 1519 East Main Street Brownsville, TN 38012 Limited, Drive-thru $0
    Simmons Bank 1540 State Highway 248 Branson, MO 65616 Full Service B&M $39,416
    Simmons Bank 15602 Arch Street Pike Little Rock, AR 72206 Full Service B&M $29,252
    Simmons Bank 15670 W. 135th Olathe, KS 66062 Full Service B&M $37,428
    Simmons Bank 1601 South Kelly Avenue Edmond, OK 73013 Full Service B&M $138,545
    Simmons Bank 1603 Lbj Freeway Farmers Branch, TX 75234 Full Service B&M $90,857
    Simmons Bank 1612 South Congress Parkway Athens, TN 37303 Full Service B&M $162,007
    Simmons Bank 1630 E. Lamar Suite 140 Arlington, TX 76011 Full Service B&M $14,997
    Simmons Bank 165 Main Street Mammoth Spring, AR 72554 Full Service B&M $30,812
    Simmons Bank 16600 Chenal Parkway Little Rock, AR 72211 Full Service B&M $37,340
    Simmons Bank 1701 N Us Hwy 287 Mansfield, TX 76063 Full Service B&M $66,279
    Simmons Bank 1704 North University Drive Pine Bluff, AR 71601 Full Service B&M $38,833
    Simmons Bank 1720 South Caraway Road Jonesboro, AR 72401 Full Service B&M $213,004
    Simmons Bank 1720 West End Avenue Nashville, TN 37203 Full Service B&M $91,116
    Simmons Bank 17263 Wildhorse Creek Road Chesterfield, MO 63005 Full Service B&M $39,711
    Simmons Bank 1783 Highway 65 South Clinton, AR 72031 Full Service B&M $52,457
    Simmons Bank 180 Admiral Trost Dr Columbia, IL 62236 Full Service B&M $78,278
    Simmons Bank 1800 Se Blue Parkway Lees Summit, MO 64063 Full Service B&M $48,668
    Simmons Bank 1809 East Harding Avenue Pine Bluff, AR 71601 Full Service B&M $25,393
    Simmons Bank 1853 Highway 165 South Parkdale, AR 71661 Full Service B&M $17,248
    Simmons Bank 1862 Highway 45 Bypass Jackson, TN 38305 Full Service B&M $79,521
    Simmons Bank 1918 South Sangre Road Stillwater, OK 74074 Full Service B&M $57,568
    Simmons Bank 1946 South Garrison Avenue Carthage, MO 64836 Full Service B&M $22,302
    Simmons Bank 1955 South Highland Avenue Jackson, TN 38301 Full Service B&M $20,089
    Simmons Bank 201 Carnahan Drive Maumelle, AR 72113 Full Service B&M $21,368
    Simmons Bank 202 North Kentucky Street Kingston, TN 37763 Full Service B&M $33,730
    Simmons Bank 202 Ritter Street Weiner, AR 72479 Full Service B&M $27,012
    Simmons Bank 202 South Rockwood Drive Cabot, AR 72023 Full Service B&M $26,390
    Simmons Bank 203 Pirate Lane Crane, MO 65633 Full Service B&M $34,046
    Simmons Bank 205 Elm Street Tilden, TX 78072 Full Service B&M $40,084
    Simmons Bank 205 Linwood Drive Paragould, AR 72450 Full Service B&M $17,772
    Simmons Bank 205 North Main Avenue Dyersburg, TN 38024 Full Service B&M $82,159
    Simmons Bank 205 Sylamore Avenue Mountain View, AR 72560 Full Service B&M $19,803
    Simmons Bank 2050 Hall Johnson Road Grapevine, TX 76051 Full Service B&M $66,291
    Simmons Bank 20622 Arch Street, Suite 5 Hensley, AR 72065 Full Service B&M $25,778
    Simmons Bank 208 South White Street Athens, TN 37303 Full Service B&M $71,380
    Simmons Bank 21 Jefferson Avenue Oak Ridge, TN 37830 Full Service B&M $15,415
    Simmons Bank 210 N West Bypass Avenue Springfield, MO 65802 Full Service B&M $26,101
    Simmons Bank 21159 Main Street Reeds Spring, MO 65737 Full Service B&M $20,479
    Simmons Bank 2200 W 7th Ste 112 Fort Worth, TX 76107 Full Service B&M $126,915
    Simmons Bank 2201 Midtown Lane Fort Worth, TX 76104 Full Service B&M $93,286
    Simmons Bank 2305 Zero Street Fort Smith, AR 72906 Full Service B&M $51,388
    Simmons Bank 2310 Parr Avenue Dyersburg, TN 38024 Full Service B&M $27,815
    Simmons Bank 2311 West 7th Street Joplin, MO 64801 Full Service B&M $10,333
    Simmons Bank 741 South Main Street Middleton, TN 38052 Full Service B&M $33,612
    Simmons Bank 2350 Malvern Avenue Hot Springs, AR 71901 Full Service B&M $42,089
    Simmons Bank 2350 South Range Line Road Joplin, MO 64804 Full Service B&M $72,567
    Simmons Bank 23816 Chenal Parkway Little Rock, AR 72223 Full Service B&M $66,678
    Simmons Bank 2401 Crestwood Road North Little Rock, AR 72116 Full Service B&M $42,647
    Simmons Bank 2423 W Republic Rd Springfield, MO 65807 Full Service B&M $16,466
    Simmons Bank 2431 East 61st Street Suite 175 Tulsa, OK 74136 Full Service B&M $73,107
    Simmons Bank 2455 Highway K O Fallon, MO 63368 Full Service B&M $29,462
    Simmons Bank 2500 West Main Russellville, AR 72801 Full Service B&M $30,556
    Simmons Bank 2523 North Classen Blvd. Oklahoma City, OK 73106 Full Service B&M $2,664
    Simmons Bank 257 Highway 57 East Grand Junction, TN 38039 Full Service B&M $10,070
    Simmons Bank 2601 South Hulen Street Fort Worth, TX 76109 Full Service B&M $198,070
    Simmons Bank 2628 North Central Avenue Humboldt, TN 38343 Full Service B&M $109,446
    Simmons Bank 2628 West 28th Avenue Pine Bluff, AR 71603 Full Service B&M $94,279
    Simmons Bank 2675 Westglen Farms Dr Wildwood, MO 63011 Full Service B&M $28,683
    Simmons Bank 2711 Olive Street Pine Bluff, AR 71603 Full Service B&M $24,530
    Simmons Bank 2800 Kavanaugh Boulevard Little Rock, AR 72205 Full Service B&M $66,697
    Simmons Bank 2809 East Sunshine Springfield, MO 65804 Full Service B&M $82,057
    Simmons Bank 2810 Godfrey Road Godfrey, IL 62035 Full Service B&M $42,848
    Simmons Bank 2832 West Sunset Springdale, AR 72762 Full Service B&M $48,925
    Simmons Bank 291 East Main Street Hendersonville, TN 37075 Full Service B&M $37,708
    Simmons Bank 300 North Lincoln Avenue Star City, AR 71667 Full Service B&M $34,328
    Simmons Bank 300 Northcreek Blvd Goodlettsville, TN 37072 Full Service B&M $108,220
    Simmons Bank 300 Us Hwy 65 North Marshall, AR 72650 Full Service B&M $57,835
    Simmons Bank 3001 Palm Way Austin, TX 78758 Full Service B&M $48,844
    Simmons Bank 302 North Front Streeet Greenfield, TN 38230 Full Service B&M $15,507
    Simmons Bank 306 W 7th Street Fort Worth, TX 76102 Full Service Retail $181,832
    Simmons Bank 30667 State Hwy 413 Galena, MO 65656 Full Service B&M $15,768
    Simmons Bank 307 North Grand Street Greenfield, MO 65661 Full Service B&M $36,785
    Simmons Bank 3079 East Main Russellville, AR 72801 Full Service B&M $27,467
    Simmons Bank 308 South Main Street Stillwater, OK 74074 Full Service B&M $28,134
    Simmons Bank 308 West Main Street Brownsville, TN 38012 Full Service B&M $74,744
    Simmons Bank 3109 North Reynolds Road Bryant, AR 72022 Full Service B&M $41,946
    Simmons Bank 3111 Martin Luther King Boulevard Fayetteville, AR 72701 Full Service B&M $12,983
    Simmons Bank 3131 Shields Boulevard Oklahoma City, OK 73126 Full Service B&M $20,382
    Simmons Bank 347 West Church Street Lexington, TN 38351 Full Service B&M $40,955
    Simmons Bank 3531 South Logan Street, Suite A Englewood, CO 80110 Full Service B&M $32,244
    Simmons Bank 3607 South Houston Levee Road Collierville, TN 38017 Full Service B&M $20,768
    Simmons Bank 3641 Matlock Rd Arlington, TX 76015 Full Service B&M $69,183
    Simmons Bank 3737 Sw Loop 820 Fort Worth, TX 76133 Full Service B&M $193,846
    Simmons Bank 3801 W Memorial Rd Oklahoma City, OK 73134 Full Service B&M $8,295
    Simmons Bank 3803 Camden Road, Ste 30 Pine Bluff, AR 71603 Full Service B&M $40,884
    Simmons Bank 3901 Camp Robinson Road North Little Rock, AR 72118 Full Service B&M $12,856
    Simmons Bank 3929 Mccain Blvd North Little Rock, AR 72116 Full Service B&M $31,984
    Simmons Bank 3975 West New Hope Road Rogers, AR 72758 Full Service B&M $29,089
    Simmons Bank 400 Highway 65 South Dumas, AR 71639 Full Service B&M $41,443
    Simmons Bank 401 East 4th Street Lockwood, MO 65682 Full Service B&M $26,638
    Simmons Bank 401 South Main Searcy, AR 72143 Full Service B&M $77,516
    Simmons Bank 4021 S. Campbell Springfield, MO 65807 Full Service B&M $20,732
    Simmons Bank 4033 North Shiloh Drive Fayetteville, AR 72703 Full Service B&M $66,789
    Simmons Bank 4100 International Plaza Suite 900 Fort Worth, TX 76109 Full Service B&M $0
    Simmons Bank 500 E Mt Vernon Blvd Mount Vernon, MO 65712 Full Service B&M $48,462
    Simmons Bank 414 Oak Street Conway, AR 72032 Full Service B&M $24,959
    Simmons Bank 4200 Rogers Avenue Fort Smith, AR 72903 Full Service B&M $25,668
    Simmons Bank 4220 North Rodney Parham Road Little Rock, AR 72212 Full Service B&M $107,858
    Simmons Bank 425 West Capitol Little Rock, AR 72201 Full Service B&M $422,123
    Simmons Bank 4301 Manchester Avenue Saint Louis, MO 63110 Full Service B&M $36,422
    Simmons Bank 4420 Dollarway Road Pine Bluff, AR 71602 Full Service B&M $27,327
    Simmons Bank 450 Regency Park O Fallon, IL 62269 Full Service B&M $48,242
    Simmons Bank 4625 South National Avenue Springfield, MO 65810 Full Service B&M $106,605
    Simmons Bank 473 Hwy 425 N Monticello, AR 71655 Full Service B&M $43,523
    Simmons Bank 480 Oil Well Road Jackson, TN 38305 Full Service B&M $96,690
    Simmons Bank 4809 Camp Bowie Blvd Fort Worth, TX 76107 Full Service B&M $109,174
    Simmons Bank 500 Corporate Center Drive Franklin, TN 37067 Full Service B&M $25,613
    Simmons Bank 500 West Grand Avenue Chickasha, OK 73018 Full Service B&M $57,060
    Simmons Bank 501 Main Street Pine Bluff, AR 71601 Limited, Drive-thru $0
    Simmons Bank 501 S Main St Pine Bluff, AR 71601 Full Service B&M $2,134,614
    Simmons Bank 501 West Washington Jonesboro, AR 72401 Full Service B&M $25,725
    Simmons Bank 5151 Beltline Road, Suite 600 Dallas, TX 75254 Full Service B&M $45,629
    Simmons Bank 521 East Main Street Charleston, AR 72933 Full Service B&M $50,684
    Simmons Bank 524 N. Main Street South Hutchinson, KS 67505 Full Service B&M $33,608
    Simmons Bank 531 East Bright Street Troy, TN 38260 Full Service B&M $13,168
    Simmons Bank 535 South Timberlane Drive El Dorado, AR 71730 Full Service B&M $17,299
    Simmons Bank 5384 Poplar Avenue, Suite 200 Memphis, TN 38119 Full Service B&M $23,209
    Simmons Bank 800 North Arkansas Avenue Russellville, AR 72801 Full Service B&M $91,463
    Simmons Bank 5401 S. Lindbergh Blvd Saint Louis, MO 63123 Full Service B&M $81,957
    Simmons Bank 5500 Kavanaugh Boulevard Little Rock, AR 72207 Full Service B&M $47,761
    Simmons Bank 551 Southwest Wilshire Burleson, TX 76028 Full Service B&M $42,103
    Simmons Bank 5601 South University Little Rock, AR 72209 Full Service B&M $49,037
    Simmons Bank 5739 Telegraph Road Saint Louis, MO 63129 Full Service B&M $81,563
    Simmons Bank 5950 Berkshire Lane, Suite 350 Dallas, TX 75225 Full Service B&M $50,778
    Simmons Bank 600 Salem Road Conway, AR 72034 Full Service B&M $67,597
    Simmons Bank 601 East Third Street Little Rock, AR 72201 Limited, Administrative $0
    Simmons Bank 601 N.W. Loop 410, Suite 230 San Antonio, TX 78216 Full Service B&M $47,073
    Simmons Bank 605 South Broadway Street South Fulton, TN 38257 Full Service B&M $23,430
    Simmons Bank 608 South Main Street Stillwater, OK 74074 Full Service B&M $450,157
    Simmons Bank 6100 Mexico Road Saint Peters, MO 63376 Full Service B&M $77,650
    Simmons Bank 611 Big Bend Road Manchester, MO 63021 Full Service B&M $48,978
    Simmons Bank 612 South Main Street Hamburg, AR 71646 Full Service B&M $28,324
    Simmons Bank 6301 Waterford Boulevard, Suite 101 Oklahoma City, OK 73118 Full Service B&M $225,094
    Simmons Bank 6712 Baseline Road Little Rock, AR 72209 Full Service B&M $59,572
    Simmons Bank 701 W. Mt. Vernon Nixa, MO 65714 Full Service B&M $24,827
    Simmons Bank 710 S. Foothills Plaza Drive Maryville, TN 37801 Full Service B&M $31,796
    Simmons Bank 711 Southwest Drive Jonesboro, AR 72401 Full Service B&M $29,104
    Simmons Bank 7151 Natural Bridge Road Saint Louis, MO 63121 Full Service B&M $33,087
    Simmons Bank 728 North Highway 65 Lake Village, AR 71653 Full Service B&M $95,966
    Simmons Bank 7308 Northwest Expressway Oklahoma City, OK 73132 Full Service B&M $21,921
    Simmons Bank 7324 Rogers Avenue Fort Smith, AR 72903 Full Service B&M $38,181
    Simmons Bank 740 South Saginaw Boulevard Saginaw, TX 76179 Full Service B&M $89,291
    Simmons Bank 805 New Highway 68 West Sweetwater, TN 37874 Full Service B&M $38,208
    Simmons Bank 8083 Watson Road Webster Groves, MO 63119 Full Service B&M $36,272
    Simmons Bank 8107 Dollarway Road White Hall, AR 71602 Full Service B&M $63,915
    Simmons Bank 8151 Clayton Road Saint Louis, MO 63117 Full Service B&M $178,608
    Simmons Bank 818 Thompson Boulevard Sedalia, MO 65301 Full Service B&M $77,364
    Simmons Bank 8351 E. Walker Springs Lane Knoxville, TN 37923 Full Service B&M $16,062
    Simmons Bank 8415 East 21st Street, Suite 150 Wichita, KS 67206 Full Service B&M $94,063
    Simmons Bank 8500 West Markham Little Rock, AR 72205 Full Service B&M $21,066
    Simmons Bank 8798 Hwy 22 Dresden Dresden, TN 38225 Full Service B&M $5,998
    Simmons Bank 901 N Asu Blvd Beebe, AR 72012 Full Service B&M $13,707
    Simmons Bank 9131 South Broadway, Suite 500 Highlands Ranch, CO 80126 Full Service B&M $8,604
    Simmons Bank 924 Broadway At I-630 Little Rock, AR 72201 Limited, Drive-thru $3
    Simmons Bank 9324 Huebner Road San Antonio, TX 78240 Full Service B&M $31,591
    Simmons Bank 9420 Manchester Road Saint Louis, MO 63119 Full Service B&M $53,364
    Simmons Bank 9652 Strong Highway Strong, AR 71765 Full Service B&M $18,123
    Simmons Bank 9769 Olive Boulevard Creve Coeur, MO 63141 Full Service B&M $54,171
    Simmons Bank 985 Wentzville Parkway Wentzville, MO 63385 Full Service B&M $33,416
    Simmons Bank 9921 South Pennsylvania Avenue Oklahoma City, OK 73159 Full Service B&M $28,588
    Simmons Bank 9945 Watson Road Saint Louis, MO 63126 Full Service B&M $13,512
    Simmons Bank Highway 411 North Madisonville, TN 37354 Full Service B&M $78,992
    Simmons Bank N Crossover Road Fayetteville, AR 72703 Full Service B&M $35,103
    Simmons Bank One Mcknight Place Saint Louis, MO 63124 Full Service B&M $8,957

    For 2019, Simmons Bank had 217 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $760,864
    Net interest income $603,098
    Total noninterest income $145,836
    Gross Fiduciary activities income $24,257
    Service charges on deposit accounts $42,394
    Trading account gains and fees $0
    Additional Noninterest Income $79,185
    Pre-tax net operating income $285,830
    Securities gains (or losses, -) $43,140
    Income before extraordinary items $258,903
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $258,903
    Minority interest net income $0
    Net income $258,903
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $224,822

    Simmons Bank's gross interest income from loans was $760,864,000.
    Simmons Bank's net interest income from loans was $603,098,000.
    Simmons Bank's fee based income from loans was $42,394,000.
    Simmons Bank's net income from loans was $258,903,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $157,766
    Provision for credit losses $42,048
    Total noninterest expense $421,056
    Salaries and employee benefits $222,384
    Premises and equipment expense $47,457
    Additional noninterest expense $151,215
    Applicable income taxes $70,067
    Net charge-offs $31,324
    Cash dividends $64,726

    Simmons Bank's interest expense for loans was $157,766,000.
    Simmons Bank's payroll and benefits expense were $222,384,000.
    Simmons Bank's property, plant and equipment expenses $47,457,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 1.0%
    All other family 1.0%
    Commercial & industrial loans 1.0%
    Personal loans 0.0%
    Credit card loans 0.3%
    Other individual loans 0.0%
    Auto loans 1.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $13,133,184
    Deposits held in domestic offices $13,133,184
    Deposits by Individuals, partnerships, and corporations $11,339,944
    Deposits by U.S. Government $623
    Deposits by States and political subdivisions in the U.S. $1,634,040
    Deposits by Commercial banks and other depository institutions in U.S. $158,577
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $1,773,024
    Demand deposits $1,275,054
    Nontransaction accounts $11,360,160
    Money market deposit accounts (MMDAs) $4,030,132
    Other savings deposits (excluding MMDAs) $4,854,610
    Total time deposits $2,475,418
    Total time and savings deposits $11,858,130
    Noninterest-bearing deposits $3,151,649
    Interest-bearing deposits $9,981,535
    Retail deposits $11,840,030
    IRAs and Keogh plan accounts $400,283
    Brokered deposits $699,014
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $17,659,319
    Cash & Balances due from depository institutions $650,160
    Interest-bearing balances $443,380
    Total securities $2,420,060
    Federal funds sold & reverse repurchase $0
    Net loans and leases $12,683,615
    Loan and leases loss allowance $67,413
    Trading account assets $0
    Bank premises and fixed assets $340,515
    Other real estate owned $18,881
    Goodwill and other intangibles $1,022,249
    All other assets $523,839

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $17,659,319
    Total Liabilities $14,843,899
    Total deposits $13,133,184
    Interest-bearing deposits $9,981,535
    Deposits held in domestic offices $13,133,184
    % insured (estimated) $64
    Federal funds purchased and repurchase agreements $150,145
    Trading liabilities $0
    Other borrowed funds $1,294,999
    Subordinated debt $0
    All other liabilities $265,571

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $12,683,615
    Loan and leases loss allowance $67,413
    Total loans and leases (domestic) $12,751,028
    All real estate loans $9,663,345
    Real estate loans in domestic offices $9,663,345
    Construction and development loans $2,046,980
    Residential 1-4 family construction $264,706
    Other construction, all land development and other land $1,782,274
    Loans secured by nonfarm nonresidential properties $4,839,878
    Nonfarm nonresidential secured by owner-occupied properties $1,272,081
    Commercial real estate & other non-farm, non-residential $3,567,797
    Multifamily residential real estate $576,865
    1-4 family residential loans $1,925,318
    Farmland loans $274,304
    Loans held in foreign offices $0
    Farm loans $162,810
    Commercial and industrial loans $2,225,085
    To non-U.S. addressees $0
    Loans to individuals $343,774
    Credit card loans $184,940
    Related Plans $21,105
    Consumer Auto Loans $71,126
    Other loans to individuals $66,603
    All other loans & leases $356,014
    Loans to foreign governments and official institutions $0
    Other loans $309,001
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $3,535
    Non 1-4 family restructured loans & leases $2,714
    Total loans and leases (foreign) $0

    Simmons Bank had $12,683,615,000 of loans outstanding in 2019. $9,663,345,000 of loans were in real estate loans. $2,046,980,000 of loans were in development loans. $576,865,000 of loans were in multifamily mortgage loans. $1,925,318,000 of loans were in 1-4 family mortgage loans. $162,810,000 of loans were in farm loans. $184,940,000 of loans were in credit card loans. $71,126,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 2,725 $638,627 $234,359
    Nonfarm, nonresidential loans - <$100k 562 $22,137 $39,390
    Nonfarm, nonresidential loans - $100-250k 798 $95,533 $119,716
    Nonfarm, nonresidential loans - $250k-1MM 1,365 $520,957 $381,653
    Commercial & Industrial, US addressed loans - <$1MM 6,820 $491,539 $72,073
    Commercial & Industrial, US addressed loans - <$100k 4,814 $96,498 $20,045
    Commercial & Industrial, US addressed loans - $100-250k 953 $90,422 $94,881
    Commercial & Industrial, US addressed loans - $250k-1MM 1,053 $304,619 $289,287
    Farmland loans - <$1MM 1,074 $110,564 $102,946
    Farmland loans - <$100k 517 $19,347 $37,422
    Farmland loans - $100-250k 367 $44,415 $121,022
    Farmland loans - $250k-1MM 190 $46,802 $246,326
    Agriculture operations loans - <$1MM 1,051 $46,460 $44,206
    Agriculture operations loans - <$100k 791 $16,149 $20,416
    Agriculture operations loans - $100-250k 171 $15,549 $90,930
    Agriculture operations loans - $250k-1MM 89 $14,762 $165,865