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Simmons Bank

IDRSSD: 663245
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
91
/ 100
StrongAs of 2023-Q4QoQ +6

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #663245 2023-Q4 Vital Signs Score: 91/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Strong

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.25% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2023:
↑ +6 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    ↑ +7
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +6
72
Sub-score

Liquidity is stable: brokered 12.9%, loans/deposits 74.2%, cash 2.2% of assets.

Cash / Assets
2.25%
Loans / Deposits
74.19%
Brokered %
12.94%

Watch Items

  • infoCash / Assets below 3% — Cash 2.25% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 13.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
13.66%
No watch items at this period.

Capitalization

StrongQoQ +5
92
Sub-score

Capital position is strong: Tier 1 RBC 12.96%, CET1 12.96%, leverage 9.56%.

Tier 1 RBC
12.96%
CET1
12.96%
Leverage
9.56%
No watch items at this period.

Asset Quality

StrongQoQ +7
98
Sub-score

Asset quality is strong: Adjusted NPL 0.51%, Texas Ratio 2.9%, NCO YTD 0.11%.

Adjusted NPL
0.51%
Govt-guarantees stripped
Texas Ratio
2.9%
NCO YTD
0.11%
30-89 PD
0.54%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
95
Sub-score

Reserves are strong: ALLL 1.34% of loans, coverage 264.3%, true coverage 189.7%.

ALLL / Loans
1.34%
Coverage
264.3%
True Loss Coverage
189.7%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 16:13:17 UTC