For context on Simmons Bank's small-business lending footprint, see its SBA lending profile on US Lender Metrics, including approval volume, loan sizes and industry mix. SBA approvals are not the same as funded loans or recognized revenue; the profile states its reporting period.
| Quarter | Call date | Disclosure | Financial quality | Kept | Missed | |
|---|---|---|---|---|---|---|
| Q3'26 | October 16, 2026 | 9/12 | 2 high, 4 medium, 2 low flags | 0 | 0 | Call sheet → |
| Q2'26 | July 17, 2026 | 9/12 | 3 medium, 5 low flags | 0 | 1 | Call sheet → |
| Q1'26 | April 17, 2026 | 8/12 | 1 high, 3 medium, 3 low flags | 0 | 0 | Call sheet → |
| Q4'25 | January 21, 2026 | 10/12 | 3 medium, 4 low flags | 1 | 0 | Call sheet → |
| Marked | Status | Promise |
|---|---|---|
| Q3'26 | Pending | Square footage reduction target of 15% cumulative (at 8.5% as of Q2) Ongoing, no stated completion deadline; not addressed in percentage terms this quarter. Management instead disclosed a new absolute metric, 26 branch closures, without reconciling it to the prior percentage framework. |
| Q3'26 | Pending | FY2026 net charge-offs of approximately 25bps, tracking below through 1H Full year not complete; the metric was not repeated or updated anywhere in the Q3 call, so the actual is not stated on this call. |
| Q3'26 | Pending | FY2026 operating leverage of 5%+, expected to exceed Full year not complete; management reiterated strong confidence ('blow that one out of the park') without a new specific number. |
| Q3'26 | Pending | FY2026 expense growth of 2%-3%, expected to beat Full year not complete; guidance was characterized more favorably this quarter as potentially 'flat to maybe even slightly down' for Q4, a positive revision rather than a final delivered/missed outcome. |
| Q3'26 | Pending | FY2026 NII growth of 9%-11%, comfortable at top end as of Q2 Full year not yet complete; management reaffirmed confidence at the high end this quarter, a continuation, not a final resolution. |
| Q3'26 | Pending | FY2026 loan growth of low-to-mid single digits, ~7% annualized run-rate as of mid-year Full-year 2026 period has not ended. Management expressed reduced near-term confidence this quarter, a revision in tone rather than a resolution; no verifiable management-attributed actual full-year figure exists yet. |
| Q2'26 | Missed | Construction loan relationship 'should be able to move expeditiously toward resolution' A full quarter later, management now says 'timing's difficult to predict right now' and 'I'm just not sure as I sit here', a clear reversal of the prior expeditious-resolution expectation. |
| Q2'26 | Pending | Deposit repricing tailwinds described as waning industry-wide but 'still some incremental benefit from a cost side' expected going forward Consistent with timeline: management now says 'there's probably one more quarter of potential benefit' remains, tracking the general trajectory described in Q1. |
| Q2'26 | Pending | FY2026 operating leverage target of 5%+ Not yet year-end. Management now says it expects to exceed the target, an upward revision, not a delivery. |
| Q2'26 | Pending | FY2026 NII growth guide of 9-11%, with confidence 'at the top end of that range' Fiscal year not complete. Current call reaffirms comfort at the top end of the range, a positive revision in tone but not a resolution. |
| Q1'26 | Pending | CEO's FY26 NIM outlook described as 'relatively stable' with back-book and deposit-beta tailwinds offsetting rate cuts Current quarter CEO describes NIM as continuing to 'grind higher' on the same structural tailwinds, consistent with or better than the prior 'stable' framing, but the full-year outcome is not yet determined. |
| Q1'26 | Pending | ROA run-rate target of 'mid-1 teens' heading into 2026 Not restated this quarter in any form; actual Q1 ROA was not stated on the call, so the metric cannot be scored against the target this period. |
| Q1'26 | Pending | FY26 loan growth guide: low-to-mid single-digit growth Q1 ran at ~10% annualized per management's own reference, well above the full-year guide, but management explicitly declined to raise guidance and called the quarter non-representative; full year not yet complete. |
| Q4'25 | Pending | 1 year from now, I fully expect the media headlines to read something like this. Simmons Bank earnings up $650 million from the previous year. This was an undated, forward-looking full-year earnings prediction made on the Q3 2025 call; the Q4 2025 call does not state a comparable full-year net income dollar figure, so this remains pending and the specific $650 million actual was not addressed on this call. |
| Q4'25 | Delivered | Our succession plan is firmly established, and I'm really optimistic about the future opportunities for Simmons. Succession completed; the Q4 call roster confirms Jay Brogdon now holds the President and CEO title, with George Makris no longer on the call. |
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