The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

The score has been essentially flat from Q2 2025 to Q2 2026 (61 → 60).

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Arkansas

Yes. Simmons Bank is an FDIC-insured institution (FDIC certificate #3890). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 36.2% of deposits ($7.2B) are above the $250,000 FDIC insurance limit, below the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.18%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.69% (benchmark: 10%).

Check how much of your own balance is covered

Simmons Bank lists 218 offices in 150 cities across 6 states. Most locations:

• Little Rock, AR (10)
• Saint Louis, MO (8)
• Columbia, MO (5)
• Memphis, TN (5)
• Pine Bluff, AR (5)
• Fort Worth, TX (4)
• Oklahoma City, OK (4)
• Springfield, MO (4)
• Dallas, TX (3)
• Fayetteville, AR (3)
• Fort Smith, AR (3)
• Franklin, TN (3)

All branch addresses and map

Over the last three years, the CFPB forwarded 167 consumer complaints about SIMMONS FIRST NATIONAL CORPORATION to the company (70 in the last 12 months). 96.4% received a timely response. That is 8.4 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

In 2025, Simmons Bank reported 4,858 home-loan applications under HMDA (LEI 549300DPRWSBUY619V27): 3,125 originated ($921,005,000 total), 1,145 denied, and 538 withdrawn or closed by the applicant. Its denial rate on decided applications was 26.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Simmons Bank

Former names

Simmons First National Bank of Pine Bluff; Simmons First National Bank; The Simmons National Bank of Pine Bluff

Type

State-chartered bank (Fed member)

FDIC certificate #

3890

RSSD ID

663245

Primary regulator

FED

Holding company

Simmons First National Corp

Established

March 23, 1903

Headquarters

501 S Main St, Pine Bluff, AR 71601

Website

www.simmonsbank.com

Employees

2,899