Peer Analysis

Performance Ratios (%) SFNC Peer Median Peer Average
ROAA 1.37 1.35 1.27
ROAE 10.00 10.27 10.94
Net Interest Margin 3.97 3.82 3.93
Efficiency Ratio 53.06 54.11 55.17
Loans / Deposits 94.55 91.76 91.81
Asset Quality Ratios (%)
NPAs / Assets 0.53 0.72 0.75
NCOs / Avg Loans 0.21 0.10 0.12
Reserves / Loans 0.48 0.82 0.82
Reserves / NPAs 64.19 74.68 91.24
Capital Ratios (%)
Tier 1 Capital 10.22 12.89 13.64
Tangible Equity / Tangible Assets 8.39 9.30 10.02
Total Equity / Total Assets 13.58 13.03 12.83
Market Ratios
Price / Earnings (x) 10.98 12.52 14.30
Price / Book (%) 104.70 141.57 157.13
Dividend Yield (%) 2.51 2.16 170.32
Data for trailing four quarters

Simmons First National Corporation's peer group consists of the following: Ameris Bancorp (ABCB), BancFirst Corporation (BANF), BNC Bancorp (BNCN), Capital Bank Financial Corp. (CBF), Capital City Bank Group, Inc. (CCBG), Community Trust Bancorp, Inc. (CTBI), Enterprise Financial Services Corp (EFSC), Fidelity Southern Corporation (LION), First Bancorp (FBNC), First Financial Bankshares, Inc. (FFIN), First NBC Bank Holding Company (FNBC.Q), Great Southern Bancorp, Inc. (GSBC), Home BancShares, Inc. (HOMB), Pinnacle Financial Partners, Inc. (PNFP), Renasant Corporation (RNST), Republic Bancorp, Inc. (RBCA.A), Southside Bancshares, Inc. (SBSI), State Bank Financial Corporation (STBZ)

Simmons First National Corporation's financial data is as of 12/31/2018.

Peer financial data is as of 12/31/2018 except for these companies:

First Bancorp's financial data is as of 12/31/2018.
Renasant Corporation's financial data is as of 12/31/2018.
Ameris Bancorp's financial data is as of 12/31/2018.
Republic Bancorp, Inc.'s financial data is as of 12/31/2018.
Southside Bancshares, Inc.'s financial data is as of 12/31/2018.
Enterprise Financial Services Corp's financial data is as of 12/31/2018.
BNC Bancorp's financial data is as of 3/31/2017.
First NBC Bank Holding Company's financial data is as of 9/30/2016.
State Bank Financial Corporation's financial data is as of 9/30/2018.
Capital Bank Financial Corp.'s financial data is as of 9/30/2017.