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Jun 30
Simmons Q2 2025 Earnings Report
Simmons Q2 2025 Earnings Report showed solid profitability growth driven by higher net interest margin and disciplined expense management.
Key Takeaways
Simmons First National Corporation delivered strong Q2 2025 results, with net income rising to $54.8M and EPS improving to $0.43. The company achieved its fifth consecutive quarter of net interest margin expansion, driven by improved loan yields and lower deposit costs. Noninterest expenses declined, reflecting effective cost management.
Net income grew to $54.8M from $40.8M a year ago
Net interest margin increased to 3.06%, the fifth consecutive quarterly rise
Low-cost customer deposits increased by $233.1M
Adjusted efficiency ratio improved to 60.52%
Simmons
Simmons
Simmons Revenue by Segment
Revenue by Segment
Net Interest Income Revenue
CapyFin.comNoninterest Income Revenue
CapyFin.com Forward Guidance
Management expects continued momentum in loan growth and deposit remixing, with focus on profitability and organic expansion despite tariff and interest rate uncertainties.
Positive Outlook
- Loan pipeline remains strong with $1.6B ready-to-close commercial loans
- Deposit remixing continues to lower funding costs
- Asset quality remains stable with 0.25% net charge-off ratio
- Net interest margin expected to remain above 3%
- Positive momentum heading into H2 2025
Challenges Ahead
- Tariff volatility may affect interest rate movements
- Overall balance sheet growth remains muted
- Nonperforming loans increased to $157.2M YoY
- Provision expense exceeds net charge-offs
- Economic conditions remain uncertain due to policy shifts