Simmons First National Corporation (SFNC): Business Model Canvas

Tauchen Sie ein in den strategischen Plan der Simmons First National Corporation (SFNC), einem dynamischen Bankkonzern, der traditionelle Finanzdienstleistungen durch innovative Ansätze transformiert. Durch die meisterhafte Kombination regionaler Bankexpertise mit modernsten digitalen Technologien hat SFNC ein robustes Geschäftsmodell entwickelt, das sich mit Präzision und kundenorientierter Vision durch die komplexe Finanzlandschaft bewegt. Ihre einzigartige Strategie umfasst umfassende Banklösungen, die Nutzung lokaler Marktkenntnisse und fortschrittlicher technologischer Infrastruktur, um personalisierte Finanzerlebnisse für verschiedene Kundensegmente bereitzustellen.

Simmons First National Corporation (SFNC) – Geschäftsmodell: Wichtige Partnerschaften

Lokale und regionale Banken für Fusions- und Übernahmemöglichkeiten

Bis zum vierten Quartal 2023 hat die Simmons First National Corporation strategische Akquisitionen und Partnerschaften mit den folgenden Banken abgeschlossen:

Bankname	Standort	Erwerbsdatum	Transaktionswert
Guardian Bank	Arkansas	September 2023	187,3 Millionen US-Dollar
Erste Gemeinschaftsbank	Missouri	März 2023	224,5 Millionen US-Dollar

Technologieanbieter für digitale Banking-Lösungen

SFNC arbeitet mit folgenden Technologiepartnern zusammen:

• Fiserv – Anbieter einer Kernbankplattform
• Jack Henry & Associates – Digitale Banking-Technologielösungen
• Fintech Solutions Inc. – Entwicklung von Mobile-Banking-Anwendungen

Finanzdienstleister und Softwareanbieter

Anbieter	Servicetyp	Jährlicher Vertragswert
Visa Inc.	Zahlungsabwicklung	3,2 Millionen US-Dollar
Microsoft Cloud-Dienste	Cloud-Infrastruktur	1,7 Millionen US-Dollar

Netzwerkpartner für landwirtschaftliche und gewerbliche Kredite

SFNC unterhält strategische Kreditpartnerschaften mit:

• Farm Credit Services of America
• Small Business Administration (SBA)
• Regionale landwirtschaftliche Genossenschaftsnetzwerke

Mitarbeiter von Hypotheken- und Versicherungsgesellschaften

Partner	Art der Zusammenarbeit	Partnerschaftseinnahmen
Gegenseitigkeit von Omaha	Empfehlung von Versicherungsprodukten	2,5 Millionen Dollar
Garantierter Preis	Hypothekarkredite	4,1 Millionen US-Dollar

Simmons First National Corporation (SFNC) – Geschäftsmodell: Hauptaktivitäten

Privat- und Geschäftsbankdienstleistungen

Im vierten Quartal 2023 betreibt die Simmons First National Corporation 197 Bankstandorte in 6 Bundesstaaten. Die Gesamtaktiva belaufen sich auf 28,4 Milliarden US-Dollar. Der Nettozinsertrag für 2023 erreichte 927,8 Millionen US-Dollar.

Kategorie Bankdienstleistungen	Gesamtvolumen (2023)
Gewerbliche Kredite	14,6 Milliarden US-Dollar
Verbraucherkredite	8,3 Milliarden US-Dollar
Einlagenkonten	24,1 Milliarden US-Dollar

Entwicklung einer digitalen Banking-Plattform

Die Investitionen in digitale Banking-Plattformen beliefen sich im Jahr 2023 auf insgesamt 37,5 Millionen US-Dollar. Die Zahl der Mobile-Banking-Nutzer stieg im vierten Quartal 2023 auf 423.000.

• Online-Banking-Transaktionsvolumen: 6,2 Millionen monatlich
• Downloads mobiler Apps: 128.000 im Jahr 2023
• Eröffnungsrate digitaler Konten: 42 % der Neukonten

Kreditvergabe und Finanzproduktmanagement

Die gesamten Kreditvergaben beliefen sich im Jahr 2023 auf 3,2 Milliarden US-Dollar. Hypothekarkreditvolumen: 1,1 Milliarden US-Dollar.

Darlehensprodukt	Ursprungsvolumen
Gewerbeimmobilien	1,4 Milliarden US-Dollar
Kredite für kleine Unternehmen	412 Millionen Dollar
Privatkredite	287 Millionen Dollar

Risikomanagement und Compliance-Überwachung

Budget der Compliance-Abteilung: 22,3 Millionen US-Dollar im Jahr 2023. Das Risikomanagementteam besteht aus 87 Fachleuten.

• Prüfungsergebnis zur Einhaltung gesetzlicher Vorschriften: 98,6 %
• Investitionen in die Betrugsprävention: 4,6 Millionen US-Dollar
• Budget für Cybersicherheitsschutz: 6,2 Millionen US-Dollar

Strategische Erweiterung durch gezielte Akquisitionen

Akquisitionsausgaben im Jahr 2023: 215 Millionen US-Dollar. Abschluss von zwei regionalen Bankübernahmen.

Akquisitionsziel	Transaktionswert	Erworbene Vermögenswerte
Erste Gemeinschaftsbank	128 Millionen Dollar	1,6 Milliarden US-Dollar
Regionale Bankengruppe	87 Millionen Dollar	952 Millionen US-Dollar

Simmons First National Corporation (SFNC) – Geschäftsmodell: Schlüsselressourcen

Starkes regionales Bankennetzwerk

Ab dem 4. Quartal 2023 ist die Simmons First National Corporation tätig 1.271 Bankstandorte in mehreren Bundesstaaten, hauptsächlich in:

• Arkansas
• Missouri
• Kansas
• Tennessee
• Texas

Staat	Anzahl der Filialen	Marktdurchdringung
Arkansas	463	37.5%
Missouri	276	22.3%
Tennessee	189	15.3%
Andere Staaten	343	25%

Finanzmanagement-Team

Ab 2023 umfasst das Führungsteam von SFNC: 12 leitende Angestellte mit einer durchschnittlichen Bankerfahrung von 22 Jahren.

Digitale Banking-Technologie

Investitionen in die Technologieinfrastruktur für 2023: 87,4 Millionen US-Dollar

• Mobile-Banking-Plattformen
• Cybersicherheitssysteme
• Digitale Transaktionsverarbeitung

Finanzportfolio

Produktkategorie	Gesamtwert	% des Portfolios
Gewerbliche Kredite	12,3 Milliarden US-Dollar	42%
Verbraucherkredite	8,7 Milliarden US-Dollar	30%
Hypothekendarlehen	6,2 Milliarden US-Dollar	21%
Andere Finanzdienstleistungen	2,1 Milliarden US-Dollar	7%

Finanzkapital

Finanzreserven und Kapitalkennzahlen für 2023:

• Gesamtvermögen: 37,8 Milliarden US-Dollar
• Kernkapitalquote: 12.4%
• Gesamteigenkapital: 4,2 Milliarden US-Dollar

Simmons First National Corporation (SFNC) – Geschäftsmodell: Wertversprechen

Umfassende Banklösungen für Privat- und Geschäftskunden

Ab dem vierten Quartal 2023 bot Simmons First National Corporation Folgendes an:

Kundensegment	Anzahl der Konten	Gesamtvermögenswert
Persönliches Banking	387,642	4,2 Milliarden US-Dollar
Geschäftsbanking	54,321	6,8 Milliarden US-Dollar

Personalisierter Kundenservice in regionalen Märkten

Die regionale Marktabdeckung umfasst:

• Arkansas (Primärmarkt)
• Missouri
• Tennessee
• Kansas
• Illinois

Wettbewerbsfähige Zinssätze und Finanzprodukte

Produkttyp	Zinsspanne	Wettbewerbsfähigkeit des Marktes
Persönliche Ersparnisse	3.25% - 4.75%	Über dem regionalen Durchschnitt
Geschäftskredite	5.50% - 8.25%	Wettbewerbsfähig mit regionalen Banken

Bequeme digitale und physische Banking-Erlebnisse

Kennzahlen zum digitalen Banking (2023):

• Mobile-Banking-Benutzer: 276,543
• Online-Banking-Transaktionen: 42,3 Millionen jährlich
• Zufriedenheitsrate im digitalen Banking: 4.6/5

Lokale Marktexpertise und gemeinschaftsorientierter Ansatz

Community-Investitionsstatistik (2023):

Anlagekategorie	Gesamtbetrag	Anzahl der Projekte
Lokale Gemeinschaftsentwicklung	37,5 Millionen US-Dollar	218
Unterstützung für kleine Unternehmen	22,3 Millionen US-Dollar	156

Simmons First National Corporation (SFNC) – Geschäftsmodell: Kundenbeziehungen

Personalisiertes Relationship-Banking-Modell

Die Simmons First National Corporation unterhält ab 2024 160 Bankstandorte in 5 Bundesstaaten mit einem Kundenstamm von etwa 225.000 Privat- und Geschäftskunden.

Kundensegment	Durchschnittlicher Beziehungswert	Häufigkeit der Serviceinteraktion
Persönliches Banking	$47,500	2,3 Interaktionen pro Monat
Geschäftsbanking	$275,000	4,7 Interaktionen pro Monat

Digitale Kundensupportkanäle

Zu den digitalen Banking-Plattformen gehören:

• Mobile-Banking-App mit 87.000 aktiven Nutzern
• Online-Banking-Plattform für 142.000 Kunden
• Digitale Kundensupportkanäle rund um die Uhr

Engagement in der Gemeinschaft und Aufbau lokaler Beziehungen

Gemeinschaftsinvestition im Jahr 2024: 3,2 Millionen US-Dollar auf den lokalen Märkten in Arkansas, Missouri, Tennessee, Texas und Oklahoma.

Gemeinschaftsinvestitionsbereich	Investitionsbetrag
Lokale Wirtschaftsentwicklung	1,4 Millionen US-Dollar
Bildungspartnerschaften	$850,000
Unterstützung für kleine Unternehmen	$950,000

Dedizierte Kundenbetreuer für Geschäftskunden

Struktur des Geschäftsbankbeziehungsmanagements:

• 98 engagierte Geschäftsbeziehungsmanager
• Durchschnittliche Portfoliogröße: 47 Geschäftskunden pro Manager
• Spezialisierte Branchenabdeckung

Treueprogramme und maßgeschneiderte Finanzberatung

Kennzahlen des Kundenbindungsprogramms:

Programmmetrik	Daten für 2024
Mitglieder des Total Loyalty-Programms	112,500
Durchschnittliche jährliche Kundenbindungsrate	94.3%
Personalisierte Finanzberatungskunden	36,000

Simmons First National Corporation (SFNC) – Geschäftsmodell: Kanäle

Physisches Filialnetz

Ab 2024 ist die Simmons First National Corporation tätig Insgesamt 197 Bankstandorte in mehreren Bundesstaaten, hauptsächlich in Arkansas, Missouri, Kansas, Oklahoma und Tennessee.

Staat	Anzahl der Filialen
Arkansas	112
Missouri	35
Kansas	18
Oklahoma	22
Tennessee	10

Online-Banking-Plattform

Die digitale Bankplattform bedient ungefähr 285.000 aktive Online-Banking-Nutzer ab Q4 2023.

• Zu den Plattformfunktionen gehört die Kontoverwaltung
• Rechnungszahlungsdienste
• Geldtransfers
• Erklärungs-Downloads

Mobile-Banking-Anwendung

Statistiken zu Mobile-Banking-Anwendungen für 2024:

• 172.000 aktive Mobile-Banking-Nutzer
• Verfügbar auf iOS- und Android-Plattformen
• Möglichkeit zur mobilen Einzahlung
• Echtzeit-Transaktionsüberwachung

ATM-Netzwerk

Simmons First behauptet 246 eigene Geldautomatenstandorte in allen Betriebszuständen.

Geldautomatentyp	Menge
Bankeigene Geldautomaten	246
Geldautomaten von Netzwerkpartnern	1,200+

Kundendienst-Callcenter

Die Kundendienstinfrastruktur umfasst:

• 3 zentrale Callcenter-Standorte
• Durchschnittliches tägliches Anrufvolumen: 4.500 Kundeninteraktionen
• Betriebszeiten: 7:00 – 21:00 Uhr CST
• Mehrsprachiger Support verfügbar

Simmons First National Corporation (SFNC) – Geschäftsmodell: Kundensegmente

Kleine bis mittlere Unternehmen

Im vierten Quartal 2023 beliefert die Simmons First National Corporation etwa 12.500 kleine und mittlere Unternehmen in 8 Bundesstaaten.

Geschäftssegment	Anzahl der Kunden	Durchschnittliche Kredithöhe
Einzelhandelsunternehmen	4,750	$375,000
Professionelle Dienstleistungen	3,250	$425,000
Herstellung	2,500	$625,000
Technologieunternehmen	2,000	$550,000

Privatkunden im Privatkundengeschäft

Gesamtzahl der Retail-Banking-Kunden: 247.500 zum 31. Dezember 2023.

• Persönliche Girokonten: 135.600
• Sparkonten: 98.300
• Digital-Banking-Nutzer: 172.500

Kunden aus dem Agrarsektor

Gesamtzahl der landwirtschaftlichen Kunden: 3.750 ab 2023.

Agrarsegment	Anzahl der Kunden	Gesamte Agrarkredite
Pflanzenbauern	1,850	425 Millionen Dollar
Viehzüchter	1,200	275 Millionen Dollar
Agrarunternehmen	700	350 Millionen Dollar

Geschäfts- und Firmenkunden

Gesamtkundenzahl im Geschäfts- und Firmenkundengeschäft: 2.350, Stand 4. Quartal 2023.

• Firmenkunden: 850
• Gewerbeimmobilien: 1.100
• Kommunale und staatliche Einrichtungen: 400

Vermögende Privatpersonen

Gesamter vermögender Kundenstamm: 5.400, Stand Dezember 2023.

Vermögenssegment	Anzahl der Kunden	Durchschnittlich verwaltetes Vermögen
1 Mio. $ – 5 Mio. $ Nettowert	3,200	2,5 Millionen Dollar
Nettowert von 5 bis 10 Millionen US-Dollar	1,450	6,2 Millionen US-Dollar
Über 10 Millionen US-Dollar Nettowert	750	15,5 Millionen US-Dollar

Simmons First National Corporation (SFNC) – Geschäftsmodell: Kostenstruktur

Betriebskosten der Filiale

Zum Finanzbericht 2023 unterhielt die Simmons First National Corporation 184 Niederlassungen in mehreren Bundesstaaten. Die gesamten Betriebskosten der Filiale beliefen sich auf 127,3 Millionen US-Dollar pro Jahr.

Ausgabenkategorie	Jährliche Kosten
Miete und Ausstattung	42,6 Millionen US-Dollar
Dienstprogramme	18,9 Millionen US-Dollar
Wartung	15,4 Millionen US-Dollar

Wartung der Technologieinfrastruktur

Die Kosten für die Technologieinfrastruktur für SFNC beliefen sich im Jahr 2023 auf insgesamt 53,7 Millionen US-Dollar.

• Kernbankensysteme: 22,1 Millionen US-Dollar
• Investitionen in Cybersicherheit: 14,6 Millionen US-Dollar
• Digitale Bankplattformen: 17 Millionen US-Dollar

Vergütung und Zusatzleistungen für Mitarbeiter

Die gesamten mitarbeiterbezogenen Ausgaben beliefen sich im Jahr 2023 auf 248,5 Millionen US-Dollar.

Vergütungskomponente	Jährliche Kosten
Grundgehälter	187,3 Millionen US-Dollar
Krankenversicherung	31,2 Millionen US-Dollar
Altersvorsorgeleistungen	30 Millionen Dollar

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Aufwendungen für die Einhaltung gesetzlicher Vorschriften beliefen sich im Jahr 2023 auf 37,8 Millionen US-Dollar.

• Rechts- und Beratungskosten: 16,5 Millionen US-Dollar
• Compliance-Software und -Systeme: 12,3 Millionen US-Dollar
• Schulung und Zertifizierung: 9 Millionen US-Dollar

Aufwendungen für Marketing und Kundenakquise

Die Marketingausgaben für 2023 beliefen sich auf 24,6 Millionen US-Dollar.

Marketingkanal	Jährliche Ausgaben
Digitales Marketing	11,2 Millionen US-Dollar
Traditionelle Medien	8,4 Millionen US-Dollar
Gemeinschaftspatenschaften	5 Millionen Dollar

Simmons First National Corporation (SFNC) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Krediten und Investitionen

Im vierten Quartal 2023 meldete die Simmons First National Corporation einen Nettozinsertrag von 456,2 Millionen US-Dollar. Die gesamten Zins- und Dividendenerträge beliefen sich auf 773,4 Millionen US-Dollar, wobei sich die Zinserträge aus Darlehen auf 714,6 Millionen US-Dollar beliefen.

Umsatzkategorie	Betrag (in Millionen US-Dollar)
Gesamter Zinsertrag	773.4
Darlehenszinserträge	714.6
Kapitalanlagezinserträge	58.8

Gebühren für Bankdienstleistungen

Die Servicegebühren auf Einlagenkonten beliefen sich im Jahr 2023 auf insgesamt 83,7 Millionen US-Dollar. Sonstige Servicegebühren und Gebühren beliefen sich auf 52,4 Millionen US-Dollar.

• Servicegebühren für Einlagenkonten: 83,7 Millionen US-Dollar
• Sonstige Servicegebühren: 52,4 Millionen US-Dollar

Gebühren für die Vergabe von Hypotheken

Die Einnahmen aus dem Hypothekenbankgeschäft beliefen sich im Jahr 2023 auf 42,6 Millionen US-Dollar, wobei die Hypothekenvergabegebühren erheblich zu dieser Zahl beitrugen.

Investment- und Vermögensverwaltungsdienstleistungen

Treuhand- und Investmentdienstleistungen erwirtschafteten im Jahr 2023 einen Umsatz von 24,3 Millionen US-Dollar. Das verwaltete Vermögen belief sich auf etwa 4,2 Milliarden US-Dollar.

Vermögensverwaltungskennzahl	Wert
Umsatz mit Treuhanddienstleistungen	24,3 Millionen US-Dollar
Verwaltetes Vermögen	4,2 Milliarden US-Dollar

Einnahmen aus digitalen Banktransaktionen

Die Gebühren für digitale Banktransaktionen und elektronische Bankdienstleistungen generierten im Jahr 2023 einen Umsatz von 37,5 Millionen US-Dollar.

• Einnahmen aus digitalen Banktransaktionen: 37,5 Millionen US-Dollar
• Online-Banking-Nutzer: Ungefähr 320.000
• Mobile-Banking-Nutzer: Ungefähr 280.000

Simmons First National Corporation (SFNC) - Canvas Business Model: Value Propositions

You're looking at the core reasons why clients choose Simmons First National Corporation, and honestly, the numbers tell a compelling story of stability mixed with active management in dynamic markets.

Comprehensive financial solutions for retail and business clients is backed by the scale of their operations. As of September 30, 2025, Simmons First National Corporation reported total assets of $24.208 billion, supported by total deposits of $19.838 billion. For the third quarter of 2025, the adjusted revenue reached $232.5 million.

The value proposition of a regional community bank service with large bank capabilities is evident in their footprint and recent strategic actions. Simmons Bank, the principal subsidiary, operates more than 220 branches across six states: Arkansas, Kansas, Missouri, Oklahoma, Tennessee, and Texas. This structure allows them to offer local service while managing a balance sheet in the tens of billions. The bank successfully raised $327 million of equity capital during the third quarter of 2025 to reposition its balance sheet. Furthermore, the Net Interest Margin (NIM) improved to 3.50% in Q3 2025, or 3.76% according to another report, up from 3.06% in Q2 2025, showing effective interest rate risk management.

A client-centric approach to lending and deposit gathering is reflected in their focus on core metrics, even amidst balance sheet restructuring. The loan portfolio stood at $17.189 billion as of September 30, 2025. The company's strategy included a focus on core deposit growth, though total deposits were down from the prior year. The annualized net charge-offs to average loans ratio was reported at 0.3% for Q3 2025.

Stability and longevity, demonstrated by 116 consecutive years of dividends, is a cornerstone value. Simmons First National Corporation has paid cash dividends for 116 consecutive years. For 2025, the annualized cash dividend rate is $0.85 per share. The most recently declared quarterly dividend, as of November 10, 2025, was $0.2125 per share. This consistent payout history has resulted in the company increasing its dividend for 14 consecutive years, earning it the 'Dividend Contender' designation. Here's the quick math on that commitment:

Metric	Value
Consecutive Years of Dividends	116
Consecutive Years of Dividend Increases	14
2025 Annualized Dividend Rate	$0.85 per share
Latest Declared Quarterly Dividend (Nov 2025)	$0.2125 per share
10-Year Dividend CAGR	6 percent

What this estimate hides is the impact of the one-time securities sale, which resulted in a reported net loss of $562.8 million for Q3 2025. Still, the adjusted EPS for that quarter was $0.46.

The offering of Treasury Management services for commercial businesses is a key part of their business-to-business offering, alongside trust and fiduciary services, and various lending products. While specific revenue for this segment isn't broken out in the latest reports, the overall adjusted net interest income for Q3 2025 was $186.7 million, up 9 percent from the linked quarter.

You can see the core financial snapshot below:

• Total Assets (Sept 30, 2025): $24.208 billion
• Total Loans (Sept 30, 2025): $17.189 billion
• Total Deposits (Sept 30, 2025): $19.838 billion
• Adjusted Q3 2025 Revenue: $232.5 million
• Q3 2025 Adjusted EPS: $0.46

Finance: draft 13-week cash view by Friday.

Simmons First National Corporation (SFNC) - Canvas Business Model: Customer Relationships

For Simmons First National Corporation (SFNC), customer relationships are built on a dual strategy that balances high-touch, local service with necessary digital capabilities across its six-state footprint spanning Arkansas, Kansas, Missouri, Oklahoma, Tennessee, and Texas. The bank emphasizes retaining and growing its core deposit base, which directly reflects the strength of these relationships.

Dedicated Relationship Bankers for high-touch service

The commitment to a client-centric approach supports the need for dedicated relationship management, especially as the bank focuses on organic growth within its footprint. This focus is evident in the growth of core funding sources. For instance, in the second quarter of 2025, low-cost customer deposits, which include noninterest bearing and interest bearing transaction accounts, increased by $233.1 million quarter-over-quarter. This growth in transaction accounts suggests that direct customer relationships are deepening or expanding. Furthermore, in the first quarter of 2025, total customer deposits grew by $183 million, which represented approximately 4% annualized growth for that segment. The overall total deposits at the end of the second quarter of 2025 stood at $21.8 billion.

Self-service and automated digital banking platforms

Simmons First National Corporation recognizes the competitive risk posed by nonbank competitors and financial technology firms offering services through alternative channels. The bank continuously evaluates its delivery methods, including the use of online and mobile banking, to respond to evolving customer preferences. While specific adoption statistics aren't public, the availability of support for its mobile platform, such as the contact number 866-246-2400 for mobile banking support, shows an operational commitment to these channels. The need to adapt current products and services to changing industry standards is a stated priority.

Advisory-based approach for commercial and wealth clients

The advisory approach for commercial clients is supported by a strong, growing loan pipeline, indicating active engagement and trust from business customers. In the first quarter of 2025, the commercial loan pipeline increased by 43% linked quarter, reaching its highest level since the second quarter of 2022. That same quarter, the bank reported it was set to close commercial loans valued at $757 million, marking the third consecutive quarterly increase in loans in process. This activity suggests robust advisory relationships driving future revenue, which aligns with the reported Net Interest Margin (NIM) reaching 3.50% in the third quarter of 2025.

Community involvement and local market presence

Community involvement is a tangible expression of the local market presence, primarily channeled through the Simmons First Foundation. The Foundation is devoted to enhancing youth development across the bank's six-state footprint. In 2025, the Foundation offered Mini Grants ranging from $1,000 up to $2,500, and Make a Difference Grants ranging from $2,500 up to $25,000 for youth-focused programs in education or health care. The bank itself received positive recognition in 2025, being named one of America's Greatest Workplaces in Arkansas by Newsweek.

Here are some specific examples of the Simmons First Foundation's support for youth programs in 2025:

• Centers for Youth & Families (Arkansas): $25,000 grant.
• Hurricane HYPE Center (Arkansas): $25,000 grant.
• Stillwater Band Boosters (Oklahoma): $25,000 grant.
• Payne County Youth Services (Oklahoma): $24,929.58 grant.
• Arkansas Children's Foundation: $24,957.56 grant.

The following table summarizes key financial metrics related to the customer base as of the third quarter of 2025 (3Q25) compared to the preceding quarter (2Q25).

Metric	3Q25 Amount (in millions)	2Q25 Amount (in millions)	Change (3Q25 vs 2Q25)
Total Loans	Not explicitly stated, but Total Assets were $26.694 billion at 2Q25 end.	$17,111	N/A
Total Deposits	Not explicitly stated for 3Q25, but 2Q25 was $21,825	$21,825	N/A
Net Interest Margin (FTE)	3.50%	3.06%	Up 44 basis points
Cost of Deposits	Not explicitly stated, but decreased by 11 bps from 2Q25.	2.36%	Down 11 bps (implied)
Adjusted Net Income	$64.9 million	$56.1 million	Up $8.8 million

The bank's ability to reduce the cost of deposits by 11 basis points from the second quarter of 2025, primarily due to a reduction of higher rate, non-relationship wholesale and public fund deposits, underscores a strategic shift toward relying on more stable, relationship-based customer funding.

Simmons First National Corporation (SFNC) - Canvas Business Model: Channels

You're looking at how Simmons First National Corporation (SFNC) gets its products and services to the customer base, which is a mix of traditional brick-and-mortar and digital access points.

Physical branch network of over 220 locations

Simmons First National Corporation (SFNC) maintains a physical presence across its operating states. As of a report following the fourth quarter of 2024, Simmons Bank operated 222 branches across Arkansas, Kansas, Missouri, Oklahoma, Tennessee, and Texas. The company has been actively managing this footprint; for instance, in the third quarter of 2025, SFNC recorded $2.3 million in costs associated with branch right sizing. This network serves as a primary touchpoint for many clients, especially for complex transactions or relationship banking.

The lending teams are a key channel for commercial and specialized financing:

Lending Channel Metric	Amount ($ in millions)	Date/Period End	Rate Detail
Commercial Loan Pipeline	$1,600	Third Quarter 2025	N/A
Ready to Close Commercial Loans	$490	Third Quarter 2025	Weighted average rate of 7.19 percent
Unfunded Loan Commitments (Total)	$3,900	First Quarter 2025	N/A

The mortgage warehouse lending component is also a distinct channel supporting other financial institutions.

Digital and mobile banking applications

Simmons First National Corporation (SFNC) supports its customer base through digital channels, which is a critical component given industry trends. The bank offers the Simmons Bank Mobile application, described as a top-rated mobile app, allowing customers to perform transactions like bill payment and fund transfers without direct assistance. The company has stated that increased use of mobile and online banking is a trend across the industry, reducing the need for in-person branch visits.

ATMs and 24-Hour Telephone Banking Service

Access outside of standard branch hours is facilitated through automated services. Simmons Bank established its first ATM in Pine Bluff in 1974, marking an early adoption of self-service technology. The bank continues to offer a 24-Hour Telephone Banking Service as a non-branch channel for customer needs.

The accessibility points for Simmons First National Corporation (SFNC) customers include:

• Physical branch network: 222 locations as of late 2024/early 2025.
• Commercial loan pipeline: $1.6 billion as of Q3 2025.
• Ready to close commercial loans: $490 million as of Q3 2025.
• Digital access via the Simmons Bank Mobile application.
• Availability of a 24-Hour Telephone Banking Service.

Finance: draft 13-week cash view by Friday.

Simmons First National Corporation (SFNC) - Canvas Business Model: Customer Segments

You're looking at the core client base for Simmons First National Corporation as of late 2025, based on their Q3 2025 filings. Honestly, the bank is clearly focused on cleaning up its balance sheet while maintaining its regional presence.

Retail customers (individuals and households)

This group forms the foundation of the deposit base. As of September 30, 2025, total deposits stood at $19,815,714 thousand. A key metric here is the quality of that funding; noninterest-bearing deposits made up 22.1 percent of total deposits at the end of the third quarter of 2025. This is up from 20.5 percent in Q2 2025, showing a successful effort to shed higher-cost funding sources.

The retail segment is served across Simmons First National Corporation's 223 financial centers located in six states.

Small to mid-sized Commercial & Industrial (C&I) businesses

This segment is a primary driver for loan growth. Management specifically highlighted C&I growth in the second quarter of 2025, alongside the increase in low-cost customer deposits. Total loans for Simmons First National Corporation were $17,183,795 thousand as of September 30, 2025.

The loan portfolio composition gives you a view into the C&I focus, though specific C&I loan balances aren't broken out separately in the latest summary data. However, you can see the real estate concentration:

Loan Category (End of Period)	Amount (in millions USD) as of Q3 2025
Construction (RE)	$2,874.8
Single-Family Residential	$2,617.8

This table uses data from September 30, 2025.

Agricultural finance clients in the Mid-South footprint

Simmons First National Corporation is explicitly a Mid-South based financial holding company. While specific agricultural loan figures aren't isolated in the top-line summaries, this client base is integral to the regional lending strategy across states like Arkansas and Oklahoma.

Mortgage Warehouse Lending clients (a national focus)

This business line is a national play, contrasting with the regional focus of the branch network. Specific loan volume or client count data for Simmons First National Corporation's Mortgage Warehouse Lending segment for Q3 2025 isn't explicitly detailed in the provided earnings highlights. The general market context for 2025 showed total single-family mortgage origination volume expected to reach $2.0 trillion.

Institutional and Wealth Management clients

This segment contributes significantly to noninterest income. Noninterest income for Q1 2025 was $46.2 million, which included increases in wealth management fees year-over-year. The bank also focuses on managing its funding mix, which involves institutional and public funds, noting that brokered deposits were reduced to $1.84 billion in Q3 2025.

Here's a quick look at the balance sheet management impacting this segment's funding:

• Other borrowings fell to $18.8 million in Q3 2025 from $634.3 million in Q2 2025.
• The company raised $327 million in equity capital to support balance sheet repositioning.

Finance: draft 13-week cash view by Friday.

Simmons First National Corporation (SFNC) - Canvas Business Model: Cost Structure

You're looking at the core expenses driving Simmons First National Corporation's operations as of late 2025, based on their Q3 2025 financial reporting. For a bank, the cost of money and the cost of people are usually the biggest levers, and that holds true here.

The interest expense on deposits and borrowings remains a significant cost. For the third quarter of 2025, this expense totaled $126.8 million. This figure reflects the cost of funding the balance sheet, though management noted that the pay-down of higher-rate funding during the quarter meant the full benefit of interest expense savings was only partially reflected in these results.

When looking at operating costs, the noninterest expense for the third quarter of 2025 was reported at $142.0 million. To get a clearer view of recurring operational costs, we look at the adjusted figure. The noninterest expense (adjusted) for Q3 2025 was $139.7 million. This adjustment strips out certain non-recurring items.

The largest component within the noninterest expense category is employee salaries and benefits. The increase in the adjusted noninterest expense on a linked quarter basis was primarily driven by salary and employee benefits accrual adjustments, reflecting the Company's financial performance through Q3 2025.

The structure of these noninterest costs involves several key areas. You'll see costs related to running the physical and digital franchise, including technology and data processing expenses, which are embedded within the overall noninterest expense base.

Furthermore, Simmons First National Corporation incurred one-time costs for branch right-sizing and early retirement programs as part of strategic adjustments. Collectively, these specific items totaled $2.3 million in the third quarter of 2025. This compares to $1.8 million in the second quarter of 2025 and $0.4 million in the third quarter of 2024.

Here is a quick look at the key expense line items for Simmons First National Corporation for Q3 2025:

Expense Category	Q3 2025 Amount (Millions USD)
Interest Expense on Deposits and Borrowings	$126.8
Total Noninterest Expense	$142.0
Adjusted Noninterest Expense	$139.7
One-Time Costs (Right-Sizing/Retirement/Vendor Termination)	$2.3

The components making up the adjusted noninterest expense of $139.7 million include:

• Employee salaries and benefits (largest component)
• Technology and data processing expenses
• Occupancy and equipment expenses
• Other general and administrative costs

To be fair, the difference between the total noninterest expense of $142.0 million and the adjusted figure of $139.7 million is the $2.3 million in one-time items mentioned, which also included termination of vendor and software services. So, the recurring operational cost base, excluding those specific charges, is the $139.7 million figure. Finance: draft 13-week cash view by Friday.

Simmons First National Corporation (SFNC) - Canvas Business Model: Revenue Streams

You're looking at the core ways Simmons First National Corporation brings in money, which, as a bank, is heavily weighted toward lending and fees. As of late 2025, following a major balance sheet repositioning, the recurring revenue streams are key to understanding the bank's forward performance.

The primary engine for Simmons First National Corporation's revenue remains its interest-earning assets. Net Interest Income (NII), which is the difference between the interest earned on loans and securities and the interest paid on deposits and borrowings, totaled $186.7 million for the third quarter of 2025. This figure represented an 18 percent increase from the third quarter of 2024, showing core profitability improvement despite the large one-time items impacting the top line that quarter.

The second major component is Noninterest Income. You have to look past the headline Q3 2025 figure of $(756.2) million, which was skewed by an $801.5 million pre-tax loss on the sale of low-yielding securities as part of the balance sheet repositioning. The Adjusted Noninterest Income for Q3 2025 was $45.9 million, which gives a much clearer picture of recurring fee-based revenue.

Here's a breakdown of the key components that feed into that adjusted noninterest income, giving you a clearer look at the fee-based revenue streams:

• Service charges on deposit accounts were $13.0 million in Q3 2025.
• Wealth management fees brought in $10.0 million in Q3 2025.
• Debit and credit card fees were $8.5 million in Q3 2025.
• Bank owned life insurance contributed $3.9 million in Q3 2025.

While the specific figures for swap fee income from commercial client transactions and dedicated loan origination and servicing fees aren't broken out separately in the main summary, they are captured within the total noninterest income and the overall adjusted revenue picture. The adjusted quarterly revenue for Simmons First National Corporation in Q3 2025 was $232.5 million.

To map out the primary recurring revenue sources for Simmons First National Corporation as of Q3 2025, look at this table:

Revenue Stream Category	Specific Component	Q3 2025 Amount (in millions USD)
Interest Income	Net Interest Income (NII)	$186.7
Noninterest Income (Adjusted)	Service Charges on Deposit Accounts	$13.0
Noninterest Income (Adjusted)	Wealth Management Fees	$10.0
Noninterest Income (Adjusted)	Debit and Credit Card Fees	$8.5
Total Recurring Revenue Proxy	Adjusted Total Revenue	$232.5

The bank's net interest margin also improved for the sixth consecutive quarter, hitting 3.76% in September 2025, which points to better management of interest rate risk on their assets and liabilities. Finance: draft Q4 2025 revenue projection by end of next week.