BlastPoint's Banking Scorecard
Simmons Bank
Mid-Market
Specialty: Commercial
AR
FDIC cert 3890
Pine Bluff, AR
201
banks in Mid-Market tier nationally
3 in AR
View Mid-Market leaderboard (AR) →
Simmons Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 26% in Mid-Market
- - Deposit Outflow: Bottom 50% in Mid-Market
- - Return on Assets 2.56% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$24.5B
-8.7% YoY
+1.4% QoQ
|
+$14.0B |
$10.5B
+2.9% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$17.3B
+3.0% YoY
+2.0% QoQ
|
+$10.2B |
$7.1B
+4.5% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Top 2% in tier |
| Total Deposits ? |
$20.7B
-6.5% YoY
-0.1% QoQ
|
+$12.2B |
$8.5B
+3.0% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
Top 2% in tier |
| Return on Assets ? |
-1.40%
-300.8% YoY
+38.5% QoQ
|
-2.56% |
1.16%
+9.4% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 2% in tier |
| Net Interest Margin ? |
3.35%
+20.8% YoY
+4.6% QoQ
|
-0.04% |
3.40%
+7.9% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
40% |
| Efficiency Ratio ? |
57.93%
-8.5% YoY
-2.6% QoQ
|
+1.32% |
56.60%
-3.2% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
43% |
| Delinquency Rate ? |
0.65%
-1.2% YoY
-28.2% QoQ
|
-0.03% |
0.68%
+12.0% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
83.40%
+10.2% YoY
+2.1% QoQ
|
-2.07% |
85.47%
+1.1% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
23.51%
+9.8% YoY
-7.7% QoQ
|
+2.87% |
20.64%
-0.3% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
61% |
| Nonperforming Asset Ratio ? |
0.51%
+13.9% YoY
-23.3% QoQ
|
+0.01% |
0.50%
+7.3% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
40% |
| Tier 1 Capital Ratio ? |
10.56%
-16.2% YoY
+3.0% QoQ
|
-2.99% |
13.55%
+1.8% YoY
|
7.07%
-13.2% YoY
|
9.75%
-1.9% YoY
|
Bottom 10% in tier |
| Non-Interest Income / Assets ? |
0.82%
+14.7% YoY
+36.1% QoQ
|
-0.13% |
0.96%
+7.1% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
67% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Capital Thin
risk
#14 of 51 · Bottom 26% in Mid-Market
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
10.56%
(Tier: 13.55%, National: 9.75%)
51 of 51 Mid-Market banks match
·
505 nationally
→ Stable
+11 banks QoQ
Deposit Outflow
decline
#17 of 33 · Bottom 50% in Mid-Market
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
33 of 33 Mid-Market banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 2%
in Mid-Market
Why this stands out
Current:
-1.40%
(Tier avg: 1.16%, National avg: 1.12%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Total Assets
Current: $24.5B · Tier avg: $10.5B
98
98th pctile
Total Deposits
Current: $20.7B · Tier avg: $8.5B
98
98th pctile
Total Loans
Current: $17.3B · Tier avg: $7.1B
67
67th pctile
Non-Interest Income / Assets
Current: 0.82% · Tier avg: 0.96%
61
61th pctile
Non-Interest-Bearing Deposit Share
Current: 23.51% · Tier avg: 20.64%
61
61th pctile
Loan-to-Deposit Ratio
Current: 83.40% · Tier avg: 85.47%
46
46th pctile
Delinquency Rate
Current: 0.65% · Tier avg: 0.68%
43
43th pctile
Efficiency Ratio
Current: 57.93% · Tier avg: 56.60%
40
40th pctile
Net Interest Margin
Current: 3.35% · Tier avg: 3.40%
40
40th pctile
Nonperforming Asset Ratio
Current: 0.51% · Tier avg: 0.50%
10
10th pctile
Tier 1 Capital Ratio
Current: 10.56% · Tier avg: 13.55%
2
2th pctile
Return on Assets
Current: -1.40% · Tier avg: 1.16%
Top Weaknesses
2
2th pctile
Return on Assets
Current: -1.40% · Tier avg: 1.16%
10
10th pctile
Tier 1 Capital Ratio
Current: 10.56% · Tier avg: 13.55%
40
40th pctile
Nonperforming Asset Ratio
Current: 0.51% · Tier avg: 0.50%
40
40th pctile
Net Interest Margin
Current: 3.35% · Tier avg: 3.40%
43
43th pctile
Efficiency Ratio
Current: 57.93% · Tier avg: 56.60%
46
46th pctile
Delinquency Rate
Current: 0.65% · Tier avg: 0.68%
61
61th pctile
Loan-to-Deposit Ratio
Current: 83.40% · Tier avg: 85.47%
61
61th pctile
Non-Interest-Bearing Deposit Share
Current: 23.51% · Tier avg: 20.64%
67
67th pctile
Non-Interest Income / Assets
Current: 0.82% · Tier avg: 0.96%
98
98th pctile
Total Loans
Current: $17.3B · Tier avg: $7.1B
98
98th pctile
Total Deposits
Current: $20.7B · Tier avg: $8.5B
99
99th pctile
Total Assets
Current: $24.5B · Tier avg: $10.5B