Simmons Primeira Corporação Nacional (SFNC): Modelo de Negócios Canvas [Jan-2025 Atualizado]

Mergulhe no plano estratégico da Simmons First National Corporation (SFNC), uma potência bancária dinâmica que transforma os serviços financeiros tradicionais por meio de abordagens inovadoras. Ao misturar magistralmente a experiência bancária regional com as tecnologias digitais de ponta, a SFNC criou um modelo de negócios robusto que navega no cenário financeiro complexo com precisão e visão centrada no cliente. Sua estratégia exclusiva abrange soluções bancárias abrangentes, aproveitando as idéias do mercado local e a infraestrutura tecnológica avançada para oferecer experiências financeiras personalizadas em diversos segmentos de clientes.

Simmons First National Corporation (SFNC) - Modelo de negócios: Parcerias -chave

Bancos locais e regionais para oportunidades de fusão e aquisição

A partir do quarto trimestre 2023, a Simmons First National Corporation concluiu aquisições e parcerias estratégicas com os seguintes bancos:

Nome do banco	Localização	Data de aquisição	Valor da transação
Banco Guardian	Arkansas	Setembro de 2023	US $ 187,3 milhões
Primeiro banco comunitário	Missouri	Março de 2023	US $ 224,5 milhões

Provedores de tecnologia para soluções bancárias digitais

A SFNC colabora com os seguintes parceiros de tecnologia:

• FISERV - Provedor de plataforma bancária principal
• Jack Henry & Associados - Soluções de Tecnologia Bancária Digital
• Fintech Solutions Inc. - Desenvolvimento de aplicativos bancários móveis

Fornecedores de serviços financeiros e provedores de software

Fornecedor	Tipo de serviço	Valor anual do contrato
Visa Inc.	Processamento de pagamento	US $ 3,2 milhões
Serviços em nuvem da Microsoft	Infraestrutura em nuvem	US $ 1,7 milhão

Parceiros de rede de empréstimos agrícolas e comerciais

O SFNC mantém parcerias estratégicas de empréstimos com:

• Serviços de crédito agrícola da América
• Administração de pequenas empresas (SBA)
• Redes cooperativas agrícolas regionais

Colaboradores de companhia de hipotecas e seguros

Parceiro	Tipo de colaboração	Receita de parceria
Mutual de Omaha	Referência de produtos de seguro	US $ 2,5 milhões
Taxa garantida	Empréstimos hipotecários	US $ 4,1 milhões

Simmons First National Corporation (SFNC) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e de varejo

A partir do quarto trimestre 2023, a Simmons First National Corporation opera 197 locais bancários em 6 estados. Total de ativos relatados em US $ 28,4 bilhões. A receita de juros líquidos de 2023 atingiu US $ 927,8 milhões.

Categoria de serviço bancário	Volume total (2023)
Empréstimos comerciais	US $ 14,6 bilhões
Empréstimos ao consumidor	US $ 8,3 bilhões
Contas de depósito	US $ 24,1 bilhões

Desenvolvimento da plataforma bancária digital

O investimento em plataforma bancária digital em 2023 totalizou US $ 37,5 milhões. Os usuários bancários móveis aumentaram para 423.000 no quarto trimestre 2023.

• Volume de transação bancária online: 6,2 milhões mensais
• Downloads de aplicativos móveis: 128.000 em 2023
• Taxa de abertura da conta digital: 42% das novas contas

Originação de empréstimos e gerenciamento de produtos financeiros

As origens totais de empréstimos em 2023 atingiram US $ 3,2 bilhões. Volume de empréstimos hipotecários: US $ 1,1 bilhão.

Produto de empréstimo	Volume de originação
Imóveis comerciais	US $ 1,4 bilhão
Empréstimos para pequenas empresas	US $ 412 milhões
Empréstimos pessoais	US $ 287 milhões

Gerenciamento de riscos e monitoramento de conformidade

Orçamento do Departamento de Conformidade: US $ 22,3 milhões em 2023. A equipe de gerenciamento de riscos consiste em 87 profissionais.

• Pontuação de auditoria de conformidade regulatória: 98,6%
• Investimento de prevenção de fraudes: US $ 4,6 milhões
• Orçamento de proteção de segurança cibernética: US $ 6,2 milhões

Expansão estratégica por meio de aquisições direcionadas

Gastos de aquisição em 2023: US $ 215 milhões. Concluído 2 aquisições bancárias regionais.

Meta de aquisição	Valor da transação	Ativos adquiridos
Primeiro banco comunitário	US $ 128 milhões	US $ 1,6 bilhão
Grupo Bancário Regional	US $ 87 milhões	US $ 952 milhões

Simmons First National Corporation (SFNC) - Modelo de negócios: Recursos -chave

Forte Rede Bancária Regional

A partir do quarto trimestre 2023, a Simmons First National Corporation opera 1.271 locais bancários em vários estados, principalmente em:

• Arkansas
• Missouri
• Kansas
• Tennessee
• Texas

Estado	Número de ramificações	Penetração de mercado
Arkansas	463	37.5%
Missouri	276	22.3%
Tennessee	189	15.3%
Outros estados	343	25%

Equipe de gestão financeira

Em 2023, a equipe de liderança da SFNC inclui 12 executivos seniores com uma experiência bancária média de 22 anos.

Tecnologia bancária digital

Investimentos de infraestrutura de tecnologia para 2023: US $ 87,4 milhões

• Plataformas bancárias móveis
• Sistemas de segurança cibernética
• Processamento de transações digitais

Portfólio financeiro

Categoria de produto	Valor total	% de portfólio
Empréstimos comerciais	US $ 12,3 bilhões	42%
Empréstimos ao consumidor	US $ 8,7 bilhões	30%
Empréstimos hipotecários	US $ 6,2 bilhões	21%
Outros serviços financeiros	US $ 2,1 bilhões	7%

Capital financeiro

Reservas financeiras e métricas de capital para 2023:

• Total de ativos: US $ 37,8 bilhões
• TIER 1 Ratio de capital: 12.4%
• Patrimônio total: US $ 4,2 bilhões

Simmons First National Corporation (SFNC) - Modelo de negócios: proposições de valor

Soluções bancárias abrangentes para clientes pessoais e comerciais

A partir do quarto trimestre 2023, a Simmons First National Corporation ofereceu:

Segmento de clientes	Número de contas	Valor total do ativo
Bancos pessoais	387,642	US $ 4,2 bilhões
Banking de negócios	54,321	US $ 6,8 bilhões

Atendimento ao cliente personalizado em mercados regionais

A cobertura do mercado regional inclui:

• Arkansas (mercado primário)
• Missouri
• Tennessee
• Kansas
• Illinois

Taxas de juros competitivas e produtos financeiros

Tipo de produto	Intervalo de taxa de juros	Competitividade do mercado
Economia pessoal	3.25% - 4.75%	Acima da média regional
Empréstimos comerciais	5.50% - 8.25%	Competitivo com bancos regionais

Experiências bancárias digitais e físicas convenientes

Métricas bancárias digitais (2023):

• Usuários bancários móveis: 276,543
• Transações bancárias online: 42,3 milhões anualmente
• Taxa de satisfação bancária digital: 4.6/5

Experiência no mercado local e abordagem focada na comunidade

Estatísticas de investimento comunitário (2023):

Categoria de investimento	Montante total	Número de projetos
Desenvolvimento da comunidade local	US $ 37,5 milhões	218
Suporte para pequenas empresas	US $ 22,3 milhões	156

Simmons First National Corporation (SFNC) - Modelo de Negócios: Relacionamentos do Cliente

Modelo Bancário de Relacionamento Personalizado

A Simmons First National Corporation mantém 160 locais bancários em 5 estados a partir de 2024, com uma base de clientes de aproximadamente 225.000 clientes bancários de varejo e negócios.

Segmento de clientes	Valor médio do relacionamento	Frequência de interação de serviço
Bancos pessoais	$47,500	2.3 Interações por mês
Banking de negócios	$275,000	4.7 Interações por mês

Canais de suporte ao cliente digital

As plataformas bancárias digitais incluem:

• Aplicativo bancário móvel com 87.000 usuários ativos
• Plataforma bancária on -line atendendo a 142.000 clientes
• Canais de suporte ao cliente digital 24/7

Engajamento da comunidade e construção de relacionamento local

Investimento comunitário em 2024: US $ 3,2 milhões em mercados locais em Arkansas, Missouri, Tennessee, Texas e Oklahoma.

Área de investimento comunitário	Valor do investimento
Desenvolvimento Econômico Local	US $ 1,4 milhão
Parcerias educacionais	$850,000
Suporte para pequenas empresas	$950,000

Gerentes de relacionamento dedicados para clientes de negócios

Estrutura de gerenciamento de relacionamento bancário de negócios:

• 98 gerentes dedicados de relacionamento comercial
• Tamanho médio do portfólio: 47 clientes comerciais por gerente
• Cobertura vertical da indústria especializada

Programas de fidelidade e conselhos financeiros personalizados

Métricas do Programa de Fidelidade do Cliente:

Métrica do programa	2024 dados
Membros do programa de fidelidade total	112,500
Taxa média anual de retenção de clientes	94.3%
Clientes de consultoria financeira personalizada	36,000

Simmons First National Corporation (SFNC) - Modelo de Negócios: Canais

Rede de ramificação física

A partir de 2024, a Simmons First National Corporation opera 197 Locais bancários totais Em vários estados, principalmente em Arkansas, Missouri, Kansas, Oklahoma e Tennessee.

Estado	Número de ramificações
Arkansas	112
Missouri	35
Kansas	18
Oklahoma	22
Tennessee	10

Plataforma bancária online

A plataforma bancária digital serve aproximadamente 285.000 usuários bancários online ativos A partir do quarto trimestre 2023.

• Os recursos da plataforma incluem gerenciamento de contas
• Serviços de pagamento da conta
• Transferências de fundos
• Downloads de declaração

Aplicativo bancário móvel

Estatísticas de aplicativos bancários móveis para 2024:

• 172.000 usuários de bancos móveis ativos
• Disponível em plataformas iOS e Android
• Capacidade de depósito móvel
• Monitoramento de transações em tempo real

Rede ATM

Simmons primeiro mantém 246 Locais proprietários de atm em seus estados operacionais.

Tipo de atm	Quantidade
Caixas eletrônicos de propriedade de bancos	246
ATMs de parceiros de rede	1,200+

Centros de atendimento ao cliente

A infraestrutura de atendimento ao cliente inclui:

• 3 locais centralizados de call center
• Volume médio de chamada diária: 4.500 interações com os clientes
• Horário de operação: 7:00 - 21:00 CST
• Suporte multilíngue disponível

Simmons First National Corporation (SFNC) - Modelo de negócios: segmentos de clientes

Pequenas e médias empresas

A partir do quarto trimestre de 2023, a Simmons First National Corporation atende a aproximadamente 12.500 empresas pequenas e médias em 8 estados.

Segmento de negócios	Número de clientes	Tamanho médio do empréstimo
Negócios de varejo	4,750	$375,000
Serviços profissionais	3,250	$425,000
Fabricação	2,500	$625,000
Empresas de tecnologia	2,000	$550,000

Clientes bancários de varejo individuais

Total de clientes bancários de varejo: 247.500 em 31 de dezembro de 2023.

• Contas de corrente pessoal: 135.600
• Contas de poupança: 98.300
• Usuários do Banco Digital: 172.500

Clientes do setor agrícola

Total de clientes agrícolas: 3.750 a partir de 2023.

Segmento agrícola	Número de clientes	Empréstimos agrícolas totais
Agricultores de culturas	1,850	US $ 425 milhões
Produtores de gado	1,200	US $ 275 milhões
Empresas do agronegócio	700	US $ 350 milhões

Clientes bancários comerciais e corporativos

Total de clientes comerciais e corporativos: 2.350 a partir do quarto trimestre 2023.

• Clientes corporativos: 850
• Imóveis comerciais: 1.100
• Entidades municipais e governamentais: 400

Indivíduos de alta rede

Base total de clientes de alta rede: 5.400 em dezembro de 2023.

Segmento de riqueza	Número de clientes	Ativos gerenciados médios
US $ 1 milhão - US $ 5M no valor líquido	3,200	US $ 2,5 milhões
US $ 5M - US $ 10M LENTA	1,450	US $ 6,2 milhões
Mais de US $ 10 milhões no patrimônio líquido	750	US $ 15,5 milhões

Simmons First National Corporation (SFNC) - Modelo de negócios: estrutura de custos

Despesas de operação de ramificação

A partir de 2023 Relatórios financeiros, a Simmons First National Corporation manteve 184 filiais em vários estados. As despesas totais de operação da filial foram de US $ 127,3 milhões anualmente.

Categoria de despesa	Custo anual
Aluguel e instalações	US $ 42,6 milhões
Utilitários	US $ 18,9 milhões
Manutenção	US $ 15,4 milhões

Manutenção de infraestrutura de tecnologia

Os custos de infraestrutura de tecnologia para a SFNC em 2023 totalizaram US $ 53,7 milhões.

• Sistemas bancários principais: US $ 22,1 milhões
• Investimentos de segurança cibernética: US $ 14,6 milhões
• Plataformas bancárias digitais: US $ 17 milhões

Compensação e benefícios dos funcionários

As despesas totais relacionadas aos funcionários em 2023 foram de US $ 248,5 milhões.

Componente de compensação	Custo anual
Salários da base	US $ 187,3 milhões
Seguro de saúde	US $ 31,2 milhões
Benefícios de aposentadoria	US $ 30 milhões

Custos de conformidade regulatória

As despesas de conformidade regulatória de 2023 totalizaram US $ 37,8 milhões.

• Taxas legais e de consultoria: US $ 16,5 milhões
• Software e sistemas de conformidade: US $ 12,3 milhões
• Treinamento e certificação: US $ 9 milhões

Despesas de marketing e aquisição de clientes

As despesas de marketing para 2023 foram de US $ 24,6 milhões.

Canal de marketing	Gasto anual
Marketing digital	US $ 11,2 milhões
Mídia tradicional	US $ 8,4 milhões
Patrocínio da comunidade	US $ 5 milhões

Simmons First National Corporation (SFNC) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos e investimentos

A partir do quarto trimestre de 2023, a Simmons First National Corporation registrou receita de juros líquidos de US $ 456,2 milhões. Os juros totais e a receita de dividendos foram de US $ 773,4 milhões, com receita de juros de empréstimos em US $ 714,6 milhões.

Categoria de receita	Valor (US $ milhões)
Receita total de juros	773.4
Receita de juros do empréstimo	714.6
Receita de juros de investimento	58.8

Taxas de serviço bancário

As cobranças de serviço em contas de depósito de 2023 totalizaram US $ 83,7 milhões. Outras cobranças e taxas de serviço totalizaram US $ 52,4 milhões.

• Encargos de serviço em contas de depósito: US $ 83,7 milhões
• Outras cobranças de serviço: US $ 52,4 milhões

Taxas de originação hipotecária

A receita bancária de hipotecas para 2023 foi de US $ 42,6 milhões, com taxas de originação hipotecária contribuindo significativamente para este número.

Serviços de investimento e gerenciamento de patrimônio

Os serviços de confiança e investimento geraram US $ 24,3 milhões em receita durante 2023. Os ativos sob gestão foram de aproximadamente US $ 4,2 bilhões.

Métrica de gerenciamento de patrimônio	Valor
Receita de serviços de confiança	US $ 24,3 milhões
Ativos sob gestão	US $ 4,2 bilhões

Receita de transação bancária digital

Taxas de transação bancária digital e serviços bancários eletrônicos geraram US $ 37,5 milhões em receita para 2023.

• Receita de transação bancária digital: US $ 37,5 milhões
• Usuários bancários online: aproximadamente 320.000
• Usuários bancários móveis: aproximadamente 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.