PINE BLUFF, Ark., Jan. 20, 2026 /PRNewswire/ -- Financial Highlights 4Q25 3Q25 4Q24 4Q25 Highlights Balance Sheet (in millions) Comparisons reflect 4Q25 vs 3Q25 unless otherwise noted • Net income of $78.1 million and diluted EPS of $0.54 • Adjusted net income1 of $79.0 million and adjusted diluted EPS1 of $0.54 • ROAA of 1.28% and ROE of 9.08% • Adjusted ROAA1 of 1.29%; adjusted ROTCE1 of 16.10% • Total revenue of $249.0 million and PPNR1 of $109.1 million • Adjusted total revenue1 of $249.0 million and adjusted PPNR1 of $110.4 million • Net interest margin up 31 bps to 3.81%; cost of deposits down 21 bps • Efficiency ratio of 55.52%; adjusted efficiency ratio1 of 53.64% • Total loans and total deposits up 7% annualized • NCO ratio reflects charge-offs related to two previously disclosed credit relationships4 and run-off portfolio • NPL ratio down 26 bps to 0.64%; ACL ratio at 1.28% Total loans $17,492 $17,189 $17,006 Total investment securities 3,266 3,319 6,166 Total deposits 20,184 19,838 21,886 Total assets 24,541 24,208 26,876 Total shareholders' equity 3,419 3,354 3,529 Performance Measures (in millions) Total revenue $ 249.0 $(569.5) $208.5 Adjusted total revenue1 249.0 232.5 208.5 Pre-provision net revenue1 (PPNR) 109.1 (711.6) 67.4 Adjusted pre-provision net revenue1 110.4 92.8 69.2 Provision for credit losses 15.1 12.0 13.3 Per share Data Diluted earnings $ 0.54 $ (4.00) $ 0.38 Adjusted diluted earnings1 0.54 0.46 0.39 Cash dividend declared 0.2125 0.2125 0.21 Asset Quality Net charge-off ratio (NCO ratio) 1.12 % 0.25 % 0.27 % Nonperforming loan ratio (NPL ratio) 0.64 0.90 0.65 Nonperforming assets to total assets 0.51 0.66 0.45 Allowance for credit losses to loans (ACL) 1.28 1.50 1.38 Nonperforming loan coverage ratio 199 168 212 Capital Ratios Equity to assets (EA) ratio 13.93 % 13.85 % 13.13 % Tangible common equity (TCE) ratio1 8.71 8.53 8.29 Common equity tier 1 (CET1) ratio 11.63 11.54 12.38 Total risk-based capital ratio 14.45 15.07 14.61 Other Data Net interest margin (FTE) 3.81 % 3.50 % 2.87 % Loan yield (FTE) 6.23 6.31 6.32 Cost of deposits 2.04 2.25 2.60 Full-time equivalent employees 2,917 2,883 2,946 Number of financial centers 222 223 222 Jay Brogdon, Simmons' President and CEO, commented on fourth quarter 2025 results: Our results for the fourth quarter exceeded expectations across the board, reflecting the positive results of the balance sheet repositioning transactions in the third quarter as well as disciplined execution of our strategy.
