Simmons First National is a regional bank holding company headquartered in Pine Bluff, Arkansas, operating through its primary subsidiary, Simmons Bank across a six-state footprint — Arkansas, Kansas, Missouri, Oklahoma, Tennessee, and Texas — through roughly 222 branches. Simmons Bank offers commercial banking (CRE, C&I, construction, SBA, agricultural, and equipment lending, plus treasury management) and consumer banking (retail deposits, mortgage, home equity, and consumer loans). Simmons also runs a wealth management and trust group offering investment management, estate administration, and custodial services, as well as insurance agency subsidiaries. Like most regional banks, Simmons earns primarily by intermediating between depositors and borrowers — net interest income drives the bulk of revenue. Fee income from wealth and trust services, swap fees, insurance, mortgage, and treasury management supplements the spread business. Simmons has historically grown through acquisitions, completing over 30 whole-bank and branch deals since 1990, most recently acquiring Spirit of Texas Bancshares in 2022, which added roughly $3.1B in assets. Management has since shifted focus toward organic growth — recruiting bankers, building out C&I lending capabilities, and growing non-interest-bearing deposits, which Simmons views as its biggest near-term profitability lever. Simmons also restructured its balance sheet in 2025, selling a portion of its securities portfolio and using proceeds to reduce brokered deposits, shifting the bank to an asset-sensitive position.