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Simmons First National SFNC Community and Commercial Banking — Deposit insurance

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Other financials

Income statement

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Revenue$248.6M+16.1%
Net income$66.7M+21.8%
EPS (diluted)$0.46+7.0%

Balance sheet

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Cash & equivalents$589.5M-8.5%
Total debt$38.8M-40.2%
Total equity$3.5B-1.9%
Total assets$24.8B-7.2%

Cash flow

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Operating cash flow$144.6M+86.2%
CapEx$19.0M+67.9%
Free cash flow$125.5M+89.3%

Valuation

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Market cap$3.39B+23.2%
Enterprise value$2.84B+30.7%
P/S20×+16.6×

Profitability

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Net margin-928.3%-949pp
FCF margin284.5%+241pp

Returns & leverage

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Return on equity-16.9%-21.5pp
Debt / equity0.0×

Where this comes from

Reported directly by Simmons First National in its filing.

Tagged under the XBRL concept us-gaap:FederalDepositInsuranceCorporationPremiumExpense.

The source filing: Simmons First National’s 10-Q, filed August 5, 2026.

Filed
Aug 5, 2026, 4:01 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001628280-26-053273
(In thousands)Three Months Ended / June 30, 2026 / Community and Commercial BankingThree Months Ended / June 30, 2026 / OtherThree Months Ended / June 30, 2026 / ConsolidatedThree Months Ended / June 30, 2025 / Community and Commercial BankingThree Months Ended / June 30, 2025 / OtherThree Months Ended / June 30, 2025 / Consolidated
Salaries and employee benefits70,6374,95375,59069,1764,68673,862
Occupancy expense, net14,26944614,71511,36148311,844
Furniture and equipment expense5,689505,7395,4745,474
Deposit insurance4,4504,4504,9174,917
Other operating expenses (1)46,1961,04947,24540,8711,62142,492
Total noninterest expense141,2416,498147,739131,7996,790138,589
Income before provision for credit losses and income taxes96,5674,260100,82773,3572,23275,589
Provision for credit losses17,43417,43411,94511,945

Item 1. Financial Statements (Unaudited)

FAQ

What is Simmons First National's community and commercial banking — deposit insurance?
Simmons First National (SFNC) reported community and commercial banking — deposit insurance of $4.45M in Q2 2026.
How has Simmons First National's community and commercial banking — deposit insurance changed year-over-year?
Simmons First National's community and commercial banking — deposit insurance decreased by 9.5% year-over-year, from $4.92M to $4.45M.
What is the long-term trend for Simmons First National's community and commercial banking — deposit insurance?
Over 3 years (2022 to 2025), Simmons First National's community and commercial banking — deposit insurance has grown at a 20.3% compound annual growth rate (CAGR), from $11.61M to $20.22M.
What does community and commercial banking — deposit insurance mean?
This represents the premiums paid to regulatory authorities to insure customer deposits held within the community and commercial banking segment. These costs are typically tied to the volume and risk profile of the segment's deposit base. It is a mandatory operating expense that reflects the regulatory cost of maintaining a stable funding source.

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