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Simmons First National SFNC Service charges on deposit accounts — Non-interest income

Other product segments

Wealth management fees
$10.24M+8.2%
Debit and credit card fees
$9.01M+5.1%
Mortgage lending income
$1.99M+18.2%
Other service charges and fees
$1.55M+17.4%

Similar metrics at other companies

First Bancorp logo
FNLCService charges on deposit accounts — Non-interest income
$585K+8.5%
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FNLCDebit card income — Non-interest income
$1.38M+6.9%
Banc of California logo
BANCService charges on deposit accounts — Service charges on deposit accounts
$4.76M+6.9%
First Bancorp logo
FNLCInvestment management and fiduciary income — Non-interest income
$1.55M+15.9%
Commerce Bancshares logo
CBSHDeposit account charges and other fees — Non-interest income
$29.26M+11.5%
Banc of California logo
BANCTotal Interest Income — Service charges on deposit accounts
$0

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$3.4B+24.6%
Enterprise value$2.85B+32.6%
P/S20.1×+16.7×

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:RevenueFromContractWithCustomerExcludingAssessedTax.

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, except per share data)Three Months Ended June 30, 2026Three Months Ended June 30, 2025Six Months Ended June 30, 2026Six Months Ended June 30, 2025
Provision for credit losses17,43411,94532,05638,742
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES183,193159,879365,739296,504
NONINTEREST INCOME
Service charges on deposit accounts12,32912,58824,98525,223
Debit and credit card fees9,0088,56717,51117,013
Wealth management fees10,2409,46420,77319,093
Mortgage lending income1,9941,6873,8483,700
Bank owned life insurance income4,2183,8908,4367,982

Item 1. Financial Statements (Unaudited)

FAQ

What is Simmons First National's service charges on deposit accounts — non-interest income?
Simmons First National (SFNC) reported service charges on deposit accounts — non-interest income of $12.33M in Q2 2026.
How has Simmons First National's service charges on deposit accounts — non-interest income changed year-over-year?
Simmons First National's service charges on deposit accounts — non-interest income decreased by 2.1% year-over-year, from $12.59M to $12.33M.
What is the long-term trend for Simmons First National's service charges on deposit accounts — non-interest income?
Over 4 years (2021 to 2025), Simmons First National's service charges on deposit accounts — non-interest income has grown at a 4.2% compound annual growth rate (CAGR), from $43.23M to $50.94M.
What does service charges on deposit accounts — non-interest income mean?
This metric represents the revenue generated from fees assessed on customer deposit accounts, including maintenance fees, overdraft charges, and other account-related service costs. It serves as a key component of non-interest income, reflecting the bank's ability to monetize its retail and commercial deposit base. Monitoring this figure helps investors assess the stability of fee-based income streams independent of interest rate fluctuations.

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