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Simmons First National Corporation competitors
and the alternatives

Last updated Oct 20, 2026 · 9 peers · 59 sources cited

Who are Simmons First National Corporation's competitors, and what are the alternatives?

Simmons's 2025 10-K, filed February 25, 2026, says there is significant competition among commercial banks in its markets and names savings institutions, credit unions, finance companies, brokerages, insurers and fintech companies, including competitors that operate only in digital channels without a branch network's overhead. It runs about 222 financial centers in Arkansas, Kansas, Missouri, Oklahoma, Tennessee and Texas. In its home state the rivals are Arkansas banks of similar size: Arvest, which serves more than 110 communities in Arkansas, Kansas, Missouri and Oklahoma; Bank OZK, headquartered in Little Rock; and Home BancShares, whose Centennial Bank runs 75 Arkansas branches. In Missouri and Kansas it meets Commerce and UMB, both of Kansas City, and in Texas and Oklahoma Prosperity, whose deck claims a strong presence in both states; Simmons hired a commercial executive in June 2026 to lead C&I strategy across Texas, Nashville, Kansas City and St. Louis, where FirstBank is Nashville's home bank. Non-banks are named in the 10-K itself: consumers can now hold funds in brokerage accounts and internet-only banks, which is where SoFi, with 15.8 million members, Chime and Charles Schwab compete for Simmons's deposits. Simmons is closing 26 branches on December 4, 2026 while saying deposits are its first reinvestment priority.[1][2][3][4][5][6][7][8][9][10][11]

Data as of Oct 20, 2026 · Simmons Bank profile updated Oct 19, 2026 · computed tables recalculate from the 140 bank profiles on this site · Markdown

In its own words

What does Simmons Bank say about its competition?

"There is significant competition among commercial banks in our various market areas. In addition, we also compete with other providers of financial services, such as savings and loan associations, credit unions, finance companies, securities firms, insurance companies, full service brokerage firms, discount brokerage firms and fintech companies. Some of our competitors have greater resources and, as such, may have higher lending limits and may offer other services that we do not provide. Some of our competitors operate only in digital channels, which may result in those competitors investing greater resources in information technology and digital product and service delivery without the overhead associated with a branch network. We generally compete on the basis of customer service and responsiveness to customer needs, available loan and deposit products, the rates of interest charged on loans, the rates of interest paid for funds, and the availability and pricing of trust and brokerage services."[1]

"Nonbank competitors are increasingly offering products and services that traditionally were bank products. Many of these nonbank competitors are not subject to the same extensive federal regulations that govern bank holding companies and federally insured banks, which may allow them to offer greater lending limits and certain products and services that the Company and its affiliates do not provide."[1]

From the risk factors of the same 10-K: "These competitors include banks with nationwide presences, regional banks, and community banks (who may have greater flexibility in their operational strategies than we possess). We also face competition from many other types of financial institutions, including, among others, credit unions, finance companies, insurance companies, brokerage and investment banking firms."[1]

"For example, consumers can now hold funds in brokerage accounts and internet-only banks, or indeed with essentially any bank that provides for online account opening and online banking. Consumers can also complete transactions such as the purchase or sale of goods and services, the payment of bills, and the transfer of funds without the direct assistance of banks. Indeed, non-traditional financial services firms, such as financial technology (FinTech) companies, have begun to offer a variety of services traditionally provided by banks and other financial institutions." (2025 Form 10-K, filed February 25, 2026.)[1]

By business line

Who competes with Simmons Bank in each of its businesses?

Business lineCompetitorTypeWhy it competes
Home region: ArkansasArvest BankBankFayetteville-based Arvest serves more than 110 communities across Arkansas, Kansas, Missouri and Oklahoma, four of Simmons's six states, with $28.05 billion of assets at June 30, 2026.[2][12][1]
Home region: ArkansasBank OZKBankHeadquartered in Little Rock, where Simmons has corporate offices, with 268 offices in nine states (March 31, 2026); both sit in Simmons's 2026 proxy peer group.[3][1][13]
Home region: ArkansasCentennial Bank (Home BancShares)BankConway, Arkansas-based Home BancShares ran 75 Arkansas branches, 59 in Texas and 8 in Tennessee after closing Mountain Commerce on April 1, 2026, overlapping three of Simmons's states; it is in Simmons's 2026 proxy peer group.[4][13]
Commercial banking in Missouri, Kansas, Oklahoma, Texas and TennesseeCommerce BankBankKansas City-based Commerce lists St. Louis, Kansas City, Springfield, Central Missouri, Wichita, Tulsa and Oklahoma City among its markets, all in Simmons's states, and sells commercial payments in 48 states; Simmons's new C&I executive covers Kansas City and St. Louis.[5][8]
Commercial banking in Missouri, Kansas, Oklahoma, Texas and TennesseeUMB BankBankKansas City, Missouri-based UMB grew from eight to 13 states with its $2 billion Heartland deal and reached $72.3 billion of assets at June 30, 2026; it sits in Simmons's 2026 proxy peer group.[6][14][13]
Commercial banking in Missouri, Kansas, Oklahoma, Texas and TennesseeProsperity BankBankHouston-based Prosperity claims a strong presence in Texas and Oklahoma and had 363 locations after closing Stellar on July 1, 2026; Simmons hired a Houston-experienced executive in June 2026 to lead C&I strategy in Texas.[7][8]
Commercial banking in Missouri, Kansas, Oklahoma, Texas and TennesseeFirstBank (FB Financial)BankNashville-based FirstBank had $17.09 billion of assets at September 30, 2026 and is in Simmons's 2026 proxy peer group; Nashville is one of the four markets Simmons's new C&I executive is charged with.[15][13][8]
Retail deposits and digital bankingSoFiBankAn internet-only bank of the kind Simmons's 10-K says consumers now hold funds with; SoFi had 15.8 million members, up 35% year on year, in Q2 2026.[1][9]
Retail deposits and digital bankingChimeFintechOne of the competitors that 'operate only in digital channels' described in Simmons's 10-K; Chime's own 10-K claims a significant cost advantage over traditional banks, and it had 10.4 million active members at June 30, 2026.[1][16][17]
Retail deposits and digital bankingFirstBank (FB Financial)BankNashville-based FirstBank ranked first in J.D. Power's South Central retail banking satisfaction study (March 2026) and offers an Insights budgeting tool in its app; Simmons has branches in Tennessee.[18][19]
Retail deposits and digital bankingCredit unionsCredit unionNamed in Simmons's competition section and risk factors among the institutions it competes with for loans and deposits.[1]
Wealth management, trust and brokerageCharles SchwabBroker or asset managerSimmons's 10-K names full-service and discount brokerage firms among its competitors and says consumers can now hold funds in brokerage accounts; Schwab reported $120 billion of core net new assets in Q2 2026.[1][20]
Wealth management, trust and brokerageCommerce TrustBankCommerce had $94.5 billion of trust assets under administration at June 30, 2026 and bought wealth manager FineMark for $585 million in January 2026; Simmons hired a consumer and wealth head and an eight-person private-banking team in February 2026.[5][21][22]
Small business banking and paymentsArvest BankBankArvest upgraded to Baker Hill's UN/FY platform in February 2026 to digitise small-business applications, underwriting and workflows across its four-state footprint, which overlaps Simmons's.[2]
Small business banking and paymentsSquare (Block)Payments companyBlock's 10-K lists 'banks that provide payment processing, checking, savings, loans, and payroll' among Square's competitors; Simmons's 10-K says consumers can now pay for goods and services and transfer funds without the direct assistance of banks.[23][1]
AI offerings compared

How do the AI and digital offerings of Simmons Bank's competitors compare?

Simmons Bank first, then each competitor. Use-case counts, index scores and latest moves are computed from our profiles of each company; "No profile" means this site has no page on it yet.

CompanyAI or digital offeringOn the record (our profiles)Latest dated AI move
Simmons First National Corporation (this page)Not disclosedIndex 3.6 (#106); 10 use cases, 8 in productionQ3 2026 call: technology and automation 'barely scratching the surface' (Oct 16, 2026)[24]
Arvest BankGoogle Cloud migration with AI tools named for contact-center insights and commercial lending documents[25]Index 37.2 (#79); 11 use cases, 4 in productionSecurity engineer on agentic-AI risk (May 5, 2026)[26]
Bank OZKCo-developing Fiserv agentOS AI agents (May 2026)[27]Index 29.5 (#89); 8 use cases, 4 in productionU.S. Bank hires from Bank OZK for its Sun Belt push (Aug 31, 2026)[28]
Centennial Bank (Home BancShares)Not disclosedIndex 3.5 (#108); 10 use cases, 7 in productionQ3 2026 call: Mountain Commerce conversion set for 6 November (Oct 15, 2026)[29]
Commerce BankAI-driven receivables automation for commercial clients; AI pillar in its data strategy[30][31]Index 34 (#84); 10 use cases, 6 in productionNolan & Associates acquisition completed (Oct 1, 2026)[32]
UMB BankBoard Risk Committee oversight of AI risk; CEO says machine learning is deployed across the organisation[33][34]Index 47.9 (#61); 10 use cases, 9 in production'Playing with the big boys' (Aug 20, 2026)[35]
Prosperity BankReal-time core (converted February 2026)[36][37][38][7][39][40]Index 40 (#71); 8 use cases, 4 in productionQ2 2026 10-Q repeats the AI risk bullet (Aug 6, 2026)[41]
FirstBank (FB Financial)Not disclosedIndex 3.5 (#107); 12 use cases, 9 in productionQ3 2026 results and call: first AI exchange on a call (Oct 13, 2026)[42][15]
SoFiSoFi Coach and Cash Coach AI money guidance inside the app[43][44]Index 80.4 (#20); 17 use cases, 14 in productionSoFiUSD settlement live on Mastercard (Sep 22, 2026)[45]
ChimeJade, an in-app AI financial partner available to some members[46]8 use cases, 6 in productionAgreement to acquire Stride Bank (Sep 8, 2026)[47]
Credit unionsNot disclosedNo profileNot disclosed
Charles SchwabPortfolio Insights generative-AI summaries for all self-directed US retail clients (May 2026)[48]Index 80.7 (#19); 19 use cases, 15 in productionHow Charley was built: employee testing, confirmation before any change (Oct 8, 2026)[49]
Commerce TrustWealth unit 'actively exploring AI-enabled tools' for trust, estate and investment work[31]Index 34 (#84); 10 use cases, 6 in productionNolan & Associates acquisition completed (Oct 1, 2026)[32]
Square (Block)Managerbot, an AI business agent for Square sellers[50]7 use cases, 6 in productionQ2 2026: Moneybot passes 1 million weekly engaged accounts (Aug 5, 2026)[51]
Alternatives

Who should look beyond Simmons Bank, and where?

If you areLook atWhy
People who need branches outside Arkansas, Kansas, Missouri, Oklahoma, Tennessee and TexasA national bank such as JPMorgan Chase or Bank of AmericaSimmons's roughly 222 financial centers are in those six states, and 26 of them close on December 4, 2026. Chase reported 5,083 branches in 2025, and Bank of America runs 3,500 financial centers.[1][10][52][53]
Customers who want an AI assistant inside the banking appBank of America (Erica) or SoFi (SoFi Coach)Simmons discloses no customer AI assistant. Bank of America says Erica helps more than 24.6 million clients, and SoFi runs Coach and Cash Coach AI guidance inside its app for 15.8 million members.[1][53][43][9]
Customers who want a branchless, app-only accountChime or SoFiSimmons's 10-K itself says some competitors operate only in digital channels without branch overhead. Chime had 10.4 million active members at June 30, 2026, and its Jade AI partner is available to some members.[1][17][46]
Families with large trust and estate needsCommerce TrustCommerce administers $94.5 billion of trust assets and added FineMark in January 2026; its wealth unit says it is exploring AI-enabled tools for trust, estate and investment work. Simmons is rebuilding its private-banking team after February 2026 hires.[5][21][31][22]
Businesses that want a digital small-business loan applicationArvest BankArvest moved to Baker Hill's UN/FY platform in February 2026 to digitise small-business applications, underwriting and workflows, integrated with its Fiserv core and Salesforce, in Arkansas, Kansas, Missouri and Oklahoma. Simmons has not described a comparable digital small-business lending platform.[2][1]
Customers who rank in-branch satisfaction first in TennesseeFirstBank (FB Financial)FirstBank ranked first in J.D. Power's South Central retail banking satisfaction study, announced March 31, 2026, based on feedback from more than 100,000 retail banking customers.[18]
Rivals' AI and digital in one line

How do the AI records of Simmons's regional rivals compare?

The most concrete AI or digital item each rival has put on the record, with its date.

BankAI or digital itemDate
SimmonsMobile-deposit customer scoring with Jack Henry: fraud losses down 96%; agentic-AI risk factor in the 10-KSeptember 2025; February 2026[54][1]
Bank OZKOne of four banks co-developing Fiserv agentOS AI agentsMay 2026[27]
ArvestGoogle Cloud migration with Contact Center AI Insights and Document AI named; 40% of targeted apps migratedJuly 2022; April 2025[25][55]
CommerceAI pillar and written AI roadmap; AI-driven receivables automation for clientsFebruary 2026; August 2025[31][30]
UMBBoard Risk Committee oversight of AI; CEO says machine learning is deployed across the organisationMarch and April 2026[33][34]
ProsperityReal-time core conversion; AI only as generic risk languageFebruary 2026[36][56]
Home BancSharesNo AI programme; one generative-AI risk sentence unchanged since 2024February 2026[57]
FirstBankAI limited to non-critical administrative and productivity supportFebruary 2026[58]
Where Simmons meets its regional rivals

Which rivals overlap Simmons's six-state footprint?

Each rival's footprint as its own documents describe it, against Simmons's roughly 222 financial centers in Arkansas, Kansas, Missouri, Oklahoma, Tennessee and Texas (December 31, 2025).

BankFootprint on the recordSimmons states overlappedSource date
ArvestMore than 110 communities in Arkansas, Kansas, Missouri and Oklahoma4 of 6February 2026[2]
Home BancShares (Centennial)226 branches: 78 Florida, 75 Arkansas, 59 Texas, 8 Tennessee, 5 South Alabama, 1 New York City3 of 6April 2026[4]
CommerceSt. Louis, Kansas City, Springfield, Central Missouri, Central Illinois, Wichita, Tulsa, Oklahoma City, Denver3 of 6July 2026[5]
ProsperityStrong presence in Texas and Oklahoma; 363 locations after Stellar2 of 6July 2026[7]
Bank OZK268 offices in nine states; headquarters in Little RockArkansas at leastMarch 2026[3]
FirstBankNashville-based; $17.09 billion of assetsTennesseeSeptember 2026[15]
Common questions

Is Home BancShares a competitor of Simmons?

Yes. Both are Arkansas banks in the same 2026 proxy peer group, and Home BancShares' Centennial Bank runs 75 Arkansas branches, 59 in Texas and eight in Tennessee, three of Simmons's states. On AI both are quiet: Home scores 3.5 on this site's index and Simmons 3.6, and neither discloses an AI programme.[4][13][57][1]

Who competes with Simmons in Texas?

Prosperity, the Houston-based bank that claims a strong presence in Texas and Oklahoma and had 363 locations after closing Stellar on July 1, 2026, and Home BancShares, with 59 Texas branches. Simmons hired Jim Recer, a former Houston market president, in June 2026 to lead its C&I strategy in Texas, Nashville, Kansas City and St. Louis.[7][4][8]

Who are Simmons Bank's biggest competitors?

In Arkansas, Arvest, Bank OZK and Home BancShares' Centennial Bank; in Missouri and Kansas, Commerce and UMB; in Texas and Oklahoma, Prosperity; in Tennessee, FirstBank. Most sit in Simmons's 2026 proxy peer group. Its 10-K also names credit unions, brokerages, insurers, finance companies, fintechs and digital-only competitors.[2][3][4][5][6][7][13][1]

Is Arvest a competitor of Simmons?

Yes, across most of Simmons's footprint. Arvest serves more than 110 communities in Arkansas, Kansas, Missouri and Oklahoma, four of Simmons's six states, and had $28.05 billion of assets at June 30, 2026. On this site's AI index Arvest scores 37.2 against Simmons's 3.6, mainly on its Google Cloud and core modernisation record.[2][12][55]

Is SoFi a competitor of Simmons?

By category, yes. Simmons's 10-K says consumers can now hold funds in internet-only banks and that some competitors operate only in digital channels. SoFi had 15.8 million members in Q2 2026. Neither names the other; Simmons says deposits are the first priority for reinvesting savings from its branch closures.[1][9][11]

Why is Simmons closing 26 branches?

To fund reinvestment. Its 8-K says the closures take effect December 4, 2026, affect about 100 associates and cost $20 million to $23 million pre-tax. Brogdon said on the October 16 call that the bank has not exited any markets, that some closures are in markets where it recently built branches, and that the capacity will be reinvested in talent, deposits and technology.[10][11]

What are alternatives to Simmons for small business banking?

Arvest digitised small-business applications and underwriting on Baker Hill's UN/FY platform in February 2026, and Square sells payments, point-of-sale software and banking products to sellers and lists banks among its competitors. Simmons offers commercial banking products to businesses through its six-state network.[2][23][1]

Does Simmons compete with Commerce Bank?

Yes, in Missouri, Kansas and Oklahoma: Commerce's markets include St. Louis, Kansas City, Springfield, Wichita, Tulsa and Oklahoma City. Simmons hired Jim Recer in June 2026 to lead C&I strategy in Texas, Nashville, Kansas City and St. Louis. In wealth, Commerce administers $94.5 billion of trust assets.[5][8]

How does Simmons compare with Bank OZK?

Both are Arkansas banks, and Bank OZK sits in Simmons's 2026 proxy peer group, but their models differ: Bank OZK is a construction and CRE lender with a Real Estate Specialties Group book of over $15 billion, while Simmons is a branch-based regional bank. Bank OZK is co-developing Fiserv agentOS agents; Simmons has disclosed no AI programme.[59][13][27][1]

Peers on this site
Centennial Bank AI strategy →How Home BancShares (Centennial Bank) compares with its peers →Bank OZK AI strategy →How Bank OZK compares with its peers →Arvest AI strategy →How Arvest Bank compares with its peers →Commerce AI strategy →How Commerce Bancshares compares with its peers →UMB AI strategy →How UMB Financial compares with its peers →Prosperity AI strategy →How Prosperity Bancshares compares with its peers →FirstBank AI strategy →How FB Financial Corporation (FirstBank) compares with its peers →Renasant AI strategy →How Renasant Corporation compares with its peers →Trustmark AI strategy →How Trustmark Corporation compares with its peers →
Competitor pages on this site
Arvest AI strategy →Competitors of that bank →Bank OZK AI strategy →Competitors of that bank →Centennial Bank AI strategy →Competitors of that bank →Commerce AI strategy →Competitors of that bank →UMB AI strategy →Competitors of that bank →Prosperity AI strategy →Competitors of that bank →FirstBank AI strategy →Competitors of that bank →SoFi AI strategy →Competitors of that bank →Chime AI strategy →Schwab AI strategy →Competitors of that bank →Commerce AI strategy →Competitors of that bank →Block (Square, Cash App) AI strategy →
Deeper on Simmons Bank
Simmons Bank AI strategy: the full profile →How Simmons First National Corporation compares with its peers on AI →Simmons Bank AI profile →Simmons vs peers on AI →Arvest AI profile →Home BancShares AI profile →SoFi AI profile →AI disclosure index: the largest US banks ranked →Which banks lead in AI, topic by topic →
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