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2021 Company Report


We were founded
as a community bank.

Over 100 years later,
we still act like one.



The Simmons First National Corporation Company Report, on which the information on this webpage is based, was originally published on March 22, 2022. All figures and data shown on this webpage are as of December 31, 2021, unless otherwise noted.

Please refer to our cautionary note regarding forward looking statements.


Meet the people, the numbers, and the dedication behind Simmons First National Corporation and its bank subsidiary, Simmons Bank—a bank that has never lost sight of its community bank heritage, or its commitment to relationship banking.

Founded in 1903

Simmons Bank was founded in Pine Bluff, Arkansas, with the first day’s deposits of $3,338.22.

199 financial centers

6 states and growing

Our approach to banking is working, and helping us grow.

$24.7 billion total assets

606% asset growth over the last 10 years

It’s both a milestone in our history, and testament to how we work.

Forbes 2021 World's Best Banks

Forbes 2021 Best Banks in America

Forbes 2021 Best-In-State Employers

Forbes 2021 Best-In-State Banks


113 consecutive years paid shareholder dividends{212}


32nd Largest Farm Lender in the U.S. (Sept. 30, 2021, FDIC)


199 financial centers


More than 2,800 associates

George A. Makris, Jr.

George A. Makris, Jr.
Chairman and Chief Executive Officer
Simmons First National Corporation

A word from our CEO

" We believe we are well-positioned throughout our footprint to capture growth opportunities that will lead to another successful year. "


"As we begin a new year recognizing concerns around inflation, interest rates and the conflict overseas, we face these challenges from a position of strength."

Read the letter to shareholders




Growth and transformation

Simmons Bank experienced solid growth in 2021, due in part to strategic organic opportunities and a resumption of our merger and acquisition strategy that had been placed on pause to concentrate on responding to the pandemic. In June, we announced an agreement to acquire two successful Tennessee based financial institutions – Landmark Community Bank and Triumph Bancshares, Inc. Closing, conversion and integration of the banks were completed simultaneously in October, just four short months after being announced.

In addition to highly complementing our existing footprint, the acquisitions of these banks enhanced our scale in Tennessee, where we now rank as the 8th largest bank in the Volunteer State, and vaulted our ranking in Memphis from 35th to 7th and in Nashville from 20th to 14th.{210}



Acquisition timeline

Amounts shown are as of the respective closing date.

Metropolitan National Bank logo
Asset size: $919 million
Deposits: $838 million
Loans: $457 million
Delta Trust logo
Asset size: $417 million
Deposits: $355 million
Loans: $312 million
First State logo
Asset size: $1.92 billion
Deposits: $1.54 billion
Loans: $1.14 billion
Liberty Bank logo
Asset size: $1.07 billion
Deposits: $875 million
Loans: $781 million
Trust Company of the Ozarks logo
Assets Under
$1 billion
Citizens National Bank logo
Asset size: $585 million
Deposits: $510 million
Loans: $341 million
First South Bank logo
Asset size: $463 million
Deposits: $389 million
Loans: $252 million
bank SNB logo
Asset size: $2.69 billion
Deposits: $1.97 billion
Loans: $2.00 billion
Southwest Bank logo
Asset size: $2.43 billion
Deposits: $1.88 billion
Loans: $2.21 billion
RelianceBank logo
Asset size: $1.53 billion
Deposits: $1.23 billion
Loans: $1.10 billion
Landmark Bank logo
Asset size: $3.40 billion
Deposits: $3.05 billion
Loans: $2.01 billion
Landmark Bank Logo
Asset size: $968 million
Deposits: $803 million
Loans: $787 million
bank Triumph logo
Asset size: $848 million
Deposits: $719 million
Loans: $671 million

Franklin Sherrill

Our focus is to provide financial guidance in the form of uniquely tailored solutions that create a market-differentiated experience for our clients. "

Franklin Sherrill   |   EVP, Chief Retail Officer

Delivering organic growth

Simmons Bank associates across all lines of business honed collaborative practices and cross-selling techniques in 2021 to provide customers with extensive financial solutions to meet their evolving needs. This drove significant organic growth, illustrated by a 189 percent increase in Retail referrals over the previous year.

Geographic transformation

Strengthening our Texas franchise has been a strategic priority and in 2021 we made meaningful progress with our announcement to acquire Conroe-based Spirit of Texas Bancshares, Inc. (Spirit). With approximately $3.3 billion in assets, Spirit is a highly regarded, high performing bank. The opportunity to partner with Spirit not only enhances our current footprint, but also establishes a platform for growth in Houston, Austin, San Antonio and College Station. These markets have been among the fastest-growing in the nation in terms of population and economic activity and projections call for this to continue. We believe this merger places us in an advantageous position to capture future growth in the Lone Star State and drive long-term value for our shareholders.

Spirit of Texas Banks becoming Simmons Bank Locations at Austin, Houston, and San Antonio

Presence in 10 of 12 largest Texas and Mid-South markets

SFNC Pro Forma Presence Rank Metropolitan Statistical Area (MSA) 2021 Population (millions) 2021-2026 Projected Population Growth (%)
1 Dallas-Fort Worth-Arlington 7.7 7.5
2 Houston-The Woodlands-Sugar Land 7.2 7.6
3 St. Louis 2.8 0.3
4 San Antonio-New Braunfels 2.6 7.6
5 Austin-Round Rock-Georgetown 2.3 8.5
6 Kansas City 2.2 2.8
7 Nashville-Davidson-Murfreesboro 2.0 5.9
8 Oklahoma City 1.4 4.3
9 Memphis 1.3 1.9
  10 New Orleans 1.3 1.9
  11 Birmingham-Hoover 1.1 1.4
12 Tulsa 1.0 2.9

Check denotes SFNC pro forma presence in MSA. "Texas and Mid-South markets" includes Alabama, Arkansas, Kansas, Louisiana, Mississippi, Missouri, Oklahoma, Tennessee and Texas.

Significantly enhanced growth profile

2020 Deposits

Data at June 30, 2020 and 2021 based on FDIC Summary of Deposit data.

2021 Pro Forma Deposits

Data at June 30, 2020 and 2021 based on FDIC Summary of Deposit data. Pro forma deposit data at June 30, 2021; includes Simmons Bank, Landmark Community Bank, Triumph Bank and Spirit of Texas Bank SSB.

Lisa HunterUnderstanding the story that our data tells allows us to opt for gut-checks over gut decisions. "

Lisa Hunter   |   EVP, Chief Data Officer

Honing a data-driven strategy

In early 2021, Simmons Bank announced the creation of a Data Office—a corporate strategy unit designed to transform data-driven decision-making across the enterprise. Teams across Simmons Bank are working with the Data Office team to standardize key data, while promoting collaboration among business units to promote strong data competencies.

Through data, the Data Office empowers business units to provide deeper insights elevating Simmons’ overall ability to create new efficiencies, deepen trust and offer a greater banking experience for our customers.

Corporate Banking drives specialized business lines

Continuing to create efficiencies within the bank, Simmons Bank launched in December 2021 a Corporate Banking Division — consolidating specialized lines of business, aligning commercial and equipment finance, Institutional banking, Public Sector banking, mortgage warehouse lending, asset based lending and structured real estate finance into a dedicated division.

Matt Reddin

The new Corporate Banking unit provides the focus and flexibility we need to accelerate growth in our specialty lending areas. "

Matt Reddin   |   EVP, Chief Banking Officer

Digital Bank produces record numbers

Over the past decade, the financial services industry has undergone a dramatic transformation, led by a digital revolution that has changed the way customers interact with their bank. Digital and mobile devices have become the preferred option for many customers conducting financial transactions.

In 2021, Simmons Bank’s digital capabilities further accelerated with the launch of Coin Checking, our first product to use a fully digital account origination process. New customers can open a Coin Checking account in less than five minutes and existing customers in under one minute using their driver’s license and a smartphone.

Coin checking represented 7.2 percent of all consumer checking accounts opened in the second half of 2021. With a focus on Gen Z and Millennial consumers, 60 percent of those customers were under the age of 40. Simmons’ new digital account origination platform lays the foundation to open additional digital accounts such as Savings and Consumer Loans in the future.

Digital enhancements also provided customers the ability to make one-time credit card payments through Online Banking or with the Simmons Bank Mobile app, providing Real Time Open to Buy, instantly increasing their available credit and allowing for immediate purchases.


increase in digital transactions over 2020


rating out of 5 stars on Apple app store with more than 23,000 reviews


increase in mobile deposit dollars over 2020


of all consumer checking accounts were opened digitally in the second half of the year


of all banking transactions made through digital channels


of all deposit accounts enrolled in digital banking

Alex Carriles   |   EVP, Chief Digital Officer
Video Transcript

simmons bank and zelle

Simmons Bank also partnered with Zelle® to offer customers the ability to send and receive money with friends and family in the Simmons Bank mobile app or online banking platforms.{190}

Alex Carriles

As the digital landscape rapidly evolves, so too does our ability to provide our customers account access when and where they want it. The enhancements to our online credit card payment options and the ability to quickly and easily open an account from a mobile phone in under five minutes shows how we are continually exploring new and innovative ways to enhance our customer experience within the digital banking ecosystem. "

Alex Carriles   |   EVP, Chief Digital Officer

Sports sponsorships score brand awareness

Simmons Bank experienced a game-changing year of robust growth with signature sponsorships increasing brand awareness and connecting customers with brand-related experiences across our six-state footprint.

Elizabeth Machen   |   EVP, Marketing and Communications
Video Transcript

In collaboration with the Tennessee Golf Association (TGA) and the Arkansas State Golf Association (ASGA), Simmons Bank established a five-year presenting sponsorship for the Simmons Bank Cup, a Ryder Cup-style tournament featuring amateur champions from ASGA and TGA.

Simmons Bank also served as the title sponsor for the Simmons Bank Open for the Snedeker Foundation, a signature event of the Korn Ferry Tour hosted in College Grove, Tennessee. The bank boasts brand ambassadorships with professional golfers Dawson Armstrong, Kevin Dougherty and Braden Thornberry and 2021 Masters sensation and PGA TOUR 2021 Rookie of the Year winner Will Zalatoris. In October, Simmons announced the addition of PGA TOUR Champions member Ken Duke to Team Simmons Bank and the addition of Zack Fischer in January 2022.

Simmons Bank was also proud to support The Ascension Charity Classic in St. Louis, Missouri and to serve as Official Bank Sponsor for the new PGA Champions event.

Liberty Bowl

In October, Simmons Bank announced two naming rights opportunities. Following the execution of the definitive agreements, Liberty Bowl Stadium in Memphis will be renamed Simmons Bank Liberty Stadium while the field at War Memorial Stadium in Little Rock will be renamed the Simmons Bank field.

Women in sports - college logos

Supporting the lasting power of women in sports.

We closed the year with the announcement of ground-breaking support of female student-athletes through a sponsorship of women’s athletics at 10 universities located across our footprint.

Additional high points for Simmons’ many sponsorships include naming rights to the Simmons Bank Field and Simmons Bank Pavilion at the University of Arkansas at Pine Bluff, AR; Simmons Bank Arena in North Little Rock, AR; the Simmons Bank Ag Center at Discovery Park of America in Union City, TN; and Simmons Bank Plaza and Pavilion at Dickies Arena in Fort Worth, TX.

We also serve as a major sponsor of the Fort Worth Stock Show & Rodeo, St. Louis Blues and Bommarito Automotive Group 500 Indy Car races. 

Elizabeth Machen

People are passionate about sports, and partnerships like this give us an opportunity to connect with our customers on a more personal level while supporting the communities we serve. "

Elizabeth Machen   |   EVP, Marketing and Communications

Another record-setting year for mortgage

Following a record-setting year in the housing market in 2020, the Simmons Mortgage team was well positioned to continue assisting customers in realizing their home ownership dreams. With the acquisition of Triumph Bancshares, Simmons Bank added talent and gained access to the Consumer Direct Channel, which provides potential borrowers across the continental U.S. access to Simmons Bank’s mortgage rates online.

In less than three months, this channel allowed us to assist almost 200 customers with their mortgage needs totaling approximately $68 million in home loans. Meanwhile, our Retail Mortgage Channel assisted approximately 4,800 additional customers to secure home loans totaling approximately $1.1 billion.

Michael Powell

We are dedicated to retaining and hiring top mortgage professionals to assist customers with their home loan needs. We are incredibly proud of our team’s efforts assisting more than 5,000 customers in 2021! "

Michael Powell   |   EVP, Mortgage Division President

Growing our wealth of experience

From financial planning and investment services to trust and estate administration, Simmons Bank’s Wealth Management professionals experienced another exciting year of helping clients pursue strategic investment plans.

Today, our wealth management team consists of 160 associates who oversee more than $8.3 billion in assets (as of Dec. 31, 2021).



2021 Simmons Investment Services highlights:
  • 11 new associates added, including wealth advisors in seven key markets
  • Noninterest income increased 27.4 percent
  • Advisory revenue increased 50.5 percent
  • Total assets managed increased 16.5 percent to $1.9 billion
Private and Institutional Wealth highlights:
  • 24 new Private Wealth strategists, portfolio managers and Institutional Business advisors
  • Launched rebranding of Simmons Bank Private Wealth and Simmons Bank Institutional Wealth
  • Total assets for Private Wealth reached $6.4 billion

Jimmy D. Crocker

Wealth Management had a tremendous 2021. With the successful conversion and integration of Landmark and Triumph, we continued to recruit and attract key hires within these markets and others. We anticipate continued growth throughout our footprint in 2022. "

Jimmy D. Crocker   |   EVP, Wealth Management

Six States, One Team

True to Simmons’ community bank roots, a common vision to help our company, customers and communities prosper binds together our ever-expanding team. In 2021, we backed this focus with a new operational structure—the creation of Metro and Community Divisions—to further empower decision-making on a local level. Highlights from across our footprint illustrate the results.

  • Financial Centers: 64
  • Loans: $2.6 billion
  • Deposits: $5.9 billion
Simmons announced the purchase of 17901 Chenal Parkway in fall 2021, positioning us to meet greater needs for a fast-growing area in our home state.
Following Simmons’ 2020 donation of $1 million, the Arkansas Children’s Hospital Pine Bluff Clinic opened on the campus of Jefferson Regional in July 2021. This life-saving organization is on track to receive more than 12,000 patient visits in its first year of operation.
Following a $1 million donation toward the project, Simmons Bank celebrated the opening of the Sergeant Elga Lee Roberts Jefferson County Veterans Services Center and Memorial just before Veterans Day in November.
In the fall, Simmons Bank associates volunteered and sponsored their local farmers market in Northwest Arkansas. Serving up free, hot meals to members of the community, these associates showcased our Passion and Better Together values.
  • Financial Centers: 5
  • Loans: $156 million
  • Deposits: $197 million
Simmons Bank commercial banker Shawn Jiwanlal presented a grant from Simmons First Foundation to the Central Plain Health Care Partnership, to support health care services for low-to-moderate-income patients throughout the region.
Associates in Wichita participated in the American Heart Association’s Heart Walk to raise awareness and funds to support a heart-healthy community.
Simmons Bank associates in Wichita volunteered with the United Methodist Open Door ministry to help relieve hunger in their community.
Best Places to Work
  • Financial Centers: 44
  • Loans: $2.1 billion
  • Deposits: $4.0 billion
Springfield associates presented $5,000 to Student African American Brotherhood (SAAB) to support educational advancement for men of color. Simmons Bank is a corporate member of the organization’s Ambassadors Council and proudly supports its mission of ensuring that men of color have the support to excel academically, socially and professionally.
Simmons Bank and the Urban League of Metropolitan St. Louis, Inc. (ULSTL) announced a new full-service Simmons Bank branch coming to the ULSTL headquarters in Summer 2022. This branch will bring financial services to the under-served residents and businesses along the Kingshighway Corridor.
In St. Louis, Simmons Bank served as the Official Bank Sponsor for the Ascension Charity Classic presented by Emerson event on the PGA TOUR Champions. The tournament successfully raised $800,000 for multiple nonprofit organizations.
Simmons Bank is proud to serve as the sponsor of the St. Louis Blues and as the Official Bank Sponsor of Bommarito Automotive Group 500 Indy car races.
  • Financial Centers: 19
  • Loans: $695 million
  • Deposits: $2.3 billion
Oklahoma City associates presented the Good Shepherd Clinic with $1,000 from the Simmons First Foundation to provide medical and dental services for uninsured community members.
In partnership with Junior Achievement (JA), Tulsa associates provided financial education to elementary school students for the nonprofit’s “JA in a Day” event.
From participating in their local United Way’s Day of Caring last fall to providing more than $42,000 in donations to the nonprofit just in time for the holidays, our Stillwater associates are second to none when it comes to community support.
Simmons Bank associates in Chickasha volunteered to shred and recycle more than 8,200 pounds of documents at an annual "Shred Day."
  • Financial Centers: 45
  • Loans: $2.6 billion
  • Deposits: $3.8 billion
Through the Tennessee Golf Foundation, a $250,000 donation to The Snedeker Foundation was presented to Brandt Snedeker. This gift will fund a variety of charities in Middle Tennessee, including Our Kids, which provides medical support and counseling for children who have suffered abuse.
In fall 2021, Simmons Bank announced advanced negotiations to acquire naming rights to Liberty Bowl Memorial Stadium in Memphis which finalized in March 2022. Additionally, Simmons announced a $110,000 donation to the Woody Williams Foundation to construct a monument on the grounds to recognize Gold Star families and their loved ones.
In West Tennessee, Simmons Bank associates partnered with the Discovery Park of America to host a customer appreciation event during the park’s Antique Tractor Show. As a top-35 farm lender in the nation, Simmons Bank is also a proud sponsor of the park’s Fantasy Forest and Ag Center for children.
Simmons Bank opened a new branch and office located in the LEED® Silver certified Gulch Union building in downtown Nashville. The Gulch was the first LEED® ND-certified neighborhood in the southern United States, underscoring our commitment to environmental responsibility and sustainability.
  • Financial Centers: 22
  • Loans: $2.5 billion
  • Deposits: $2.2 billion
In September 2021, Gainesville associates celebrated Medal of Honor recipients by providing complimentary flags for their customers during a week set aside to honor veterans who have received the highest award for valor in action.
DFW associates celebrated customers with a “Summer Soiree” appreciation event hosted at the Simmons Bank Plaza at Dickies Arena, including live entertainment from Legacy 4 and a Volkswagen Bus photo booth.
DFW associates assembled and donated 100 Blessing Bags to benefit the homeless community. Each bag included snacks, basic hygiene items, masks, socks and water.
Spirit of Texas Bank, which is expected to merge into Simmons Bank in April 2022, operates 37 locations primarily in the Texas triangle – the fastest-growing megaregion in the U.S., consisting of the Dallas-Fort Worth, Houston, San Antonio and Austin metropolitan areas.

Figures shown are as of Dec. 31, 2021. The balances include only those assigned by the division (the balances do not include other business units such as credit cards, equipment finance, energy, brokered and other).






A culture in focus

Being a "Great Place to Work" is one of our strategic pillars and it’s validated by accolades from publications across our footprint.

Jena Compton

Simmons Bank works hard to provide an environment which fosters collaboration, inclusion and support of our associates in performing at their personal best to meet the needs of our customers and the communities we serve. We are honored to be recognized for our Better Together culture. "

Jena Compton   |   EVP, Chief People and Corporate Strategy Officer

Simmons Service Month

Our associates dedicated their time and resources to better their community during the fourth annual Simmons Service Month in September 2021. Nearly 3,000 volunteer hours were donated to local charities. In honor of Simmons Bank associates, a $30,000 gift was made to Junior Achievement on Giving Tuesday to support financial education initiatives for children across our footprint.

2021 Simmons Bank gift made to Junior Achievement on Giving Tuesday

Training and development

Simmons Bank associates completed approximately 37,000 hours of training in 2021. On average, each associate completes more than 13 hours of training. Some of the courses included: Understanding OFAC, Phishing Awareness, The Importance of Internal Controls and Understanding the Gramm-Leach-Bliley Act.


total hours of training


hours of additional training for Retail Banking associates


hours of training for all Lending associates

Business Resource Groups

Business Resource Groups (BRGs) support associates by providing a forum for like-minded colleagues to come together for networking, education and professional growth. BRGs are voluntary, associate-led groups. Participation in every group is available to all associates to support community, equality and inclusion. Simmons supports the group by providing funding for programming and events throughout the year. Simmons Bank launched BRGs to associates in early 2022.

Simmons First Foundation

The Simmons First Foundation is committed to serving youth in the fields of education and health care across our bank’s footprint. The Foundation also supports underserved, low-to-moderate income (LMI) families by funding housing and environmental initiatives.

  • Since 2014, Simmons Bank has contributed approximately $15.5 million.
  • In 2021, the Simmons First Foundation funded 14 Make a Difference Grants totaling approximately $230,000. These funds support education and health care initiatives (for kindergarten-12th grade) across our footprint.
  • 25 Community Enhancement Grants totaling $203,000 were funded to aid LMI families across our footprint.
  • The Foundation created a new $3 million endowment, in recent years, to support environmentally-focused grants to aid conservation and sustainable projects. The Nature Conservancy was one of the first non-profits to receive a gift from this endowment.

Nature Conservancy gift

Tommy May

We want to ensure future generations connect with nature and learn to preserve our environment so that it may be enjoyed for years to come. "

Tommy May   |   Chairman, Simmons First Foundation





Corporate responsibility

Environmental, social and corporate responsibility

Our value of stewardship is backed by a focus on environmental responsibility, a vibrant and diverse culture, and strong community involvement aimed at helping break down economic barriers.

Environmental stewardship


Environmentally conscious renovations

Simmons Bank’s environmentally conscious renovations have helped us reduce greenhouse gasses across our footprint. During all facility renovations, remodels and capital expenditures, we are committed to making environmentally conscious decisions.

  • LED lighting retrofits have eliminated nearly 1,300 metric tons of carbon dioxide since 2016.
  • In 2021, approximately 637,210 pounds of paper recycled through our partnership with Shred-it; the equivalent of 5,445 trees saved.
  • Simmons Bank implemented the recycling program, K-Cycle, for coffee grounds and K-cups. In 2021, more than 1,670 pounds of used K-cups and coffee grounds were recycled. Since inception of the program in 2019, Simmons Bank has recycled a total of more than 3,370 pounds of used K-cups and coffee grounds.

LEED® certified

In June, Simmons Bank relocated our West End branch and regional headquarters to a new corporate office at 1222 Demonbreun in downtown Nashville, TN. Located in the new Gulch Union office building, this 20-story, LEED® Silver Certified, Class AA building is part of the only urban district in the southern U.S to achieve LEED® NG certification. This certification is a globally recognized symbol of sustainability achievement and leadership for neighborhood development.

Branch optimization

Simmons owes its enduring reputation and strong financial position in part to our strategic adaptability, which has helped us to effectively meet the changing needs of our customers over our 118-year history. In 2020, Simmons implemented a branch rationalization strategy that leverages data to assist us in creating a more efficient branch distribution network, while also allowing us to better serve our customers based on information that tells us how and where they want to bank. The successful implementation of our branch optimization strategy has allowed us to eliminate approximately: 668 metric tons of carbon dioxide in 2021{211}; 2,164 metric tons of carbon dioxide since 2020.{211}

eStatement enrollment

Simmons Bank is doing our part to reduce the greenhouse gasses associated with the paper manufacturing, printing and mail delivery processes. In 2021, customers were encouraged to “go green to save green” by opting to receive eStatements instead of paper statements. For one year, customers who wish to continue receiving a paper statement, $1 of every $3 fee assessed is donated to the Simmons First Foundation Conservation Fund.


Social stewardship


Reinvesting in our communities

Simmons Bank’s Community Reinvestment Act efforts focus on affordable housing, economic development and community service—each with the goal of providing greater access to financial products and services for low-to-moderate-income (LMI) families.

  • More than $2 million contributed toward CRA charitable giving between 2018-2021
  • 9,506 small loans were funded for businesses in 2021, totaling approximately $1 billion
  • In 2021, Simmons Bank originated, renewed or refinanced 5,566 in Home Mortgage Disclosure Act (HMDA) loans totaling $1.2 billion
  • Nearly 3,250 community engagement activities performed from 2018-2021, with approximately 1,500 directed to support financial literacy
  • 6,705 loans benefiting businesses with less than $1 million in revenue totaling approximately $460 million

Business Resource Groups

Simmons Bank researched, planned and developed Business Resource Groups to support associates in an inclusive workplace environment in 2021. Four groups have been created to support:

  • African Americans in Banking
  • Veterans
  • Women of Simmons Bank

Our associates are encouraged to participate in Simmons Bank’s Business Resource Groups, which were launched in 2022, with more groups to be established throughout the year.

COVID-19 pandemic response

To ensure the health and safety of our associates and customers, Simmons Bank encouraged all associates to take advantage of vaccinations against COVID-19. We hosted multiple vaccine clinics for associates and staff, partnering with local pharmacies to ensure associates had access to the life-saving vaccines and booster shots. Simmons Bank provided Pandemic Pay to cover employees who contracted COVID-19 in certain situations. Since the inception of the pandemic, Simmons has paid more than 111,666 hours through this program.

Simmons Bank participated in Phase I and Phase II of the paycheck protection program (PPP) supporting small businesses during the pandemic. In 2020, Simmons Bank provided more than 8,200 PPP loans and approximately $1 billion in small business funding. In 2021 during Phase II of PPP, Simmons provided more than 5,200 loans totaling more than $319 million.

Diverse product offerings

In 2021, more than 330 account holders took advantage of our BankOn-certified Affordable Advantage Checking product which provides safeguards against overdrafts.

Simmons Bank also offers two mortgage products, in select markets, to assist with responsible home lending and ownership: Affordable Advantage Mortgage offers flexible credit guidelines and can be used to purchase or refinance a home; 100% Advantage Mortgage requires zero down payment.


Governance stewardship


In March 2021, Simmons First National Corporation announced the addition of Julie Stackhouse to the board of directors of Simmons First National Corporation and Simmons Bank. Julie is a retired Executive Vice President, Federal Reserve Bank of St. Louis, where she was responsible for bank regulation, including supervision of bank holding companies and state member banks.


of directors are independent


of independent directors are women


of independent directors are women and minorities


Martie North   |   SVP, Director of Community Development/CRA
Video Transcript

Simmons believes in being a strong partner. Throughout our history, we have supported the communities where we live and serve. "

Martie North   |   SVP, Director of Community Development/CRA





Simmons Bank

We take pride in being a community bank

And for over 100 years, we’ve worked hard to have the strength of one of the premier banks in the region. By investing in our friends and neighbors, Simmons Bank empowers local leadership to make decisions at the local level. It’s how we help make our customers’ dreams come true—dreams like buying a home, starting a business or simply having the ability to manage your money safely and securely, anywhere you happen to be.

Simmons Bank Logo


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