Peer Analysis

Performance Ratios (%) SFNC Peer Median Peer Average
ROAA 1.15 1.12 1.04
ROAE 8.23 9.29 9.76
Net Interest Margin 4.06 3.82 3.81
Efficiency Ratio 57.84 57.39 57.56
Loans / Deposits 87.64 92.64 89.99
Asset Quality Ratios (%)
NPAs / Assets 1.32 0.67 0.83
NCOs / Avg Loans 0.30 0.12 0.15
Reserves / Loans 0.67 0.82 0.85
Reserves / NPAs 34.79 81.78 121.77
Capital Ratios (%)
Tier 1 Capital 13.08 12.86 13.32
Tangible Equity / Tangible Assets 9.23 9.31 9.68
Total Equity / Total Assets 13.61 12.10 12.05
Market Ratios
Price / Earnings (x) 17.01 18.24 18.71
Price / Book (%) 134.56 149.96 167.16
Dividend Yield (%) 1.94 1.82 1.71
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), Great Southern Bancorp, Inc. (GSBC), Home BancShares, Inc. (HOMB), Pinnacle Financial Partners, Inc. (PNFP), Renasant Corporation (RNST), Republic Bancorp, Inc. (RBCAA), Southside Bancshares, Inc. (SBSI), State Bank Financial Corporation (STBZ)

Simmons First National Corporation's financial data is as of 6/30/2017.

Peer financial data is as of 6/30/2017 except for these companies:

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.