Simmons First National Corporation is a financial holding company. The Company's subsidiary bank is Simmons First National Bank (Simmons Bank or lead bank), which is a national bank. Simmons Bank and its subsidiaries provide banking services to individuals and businesses throughout the market areas they serve. Simmons Bank offers consumer, real estate and commercial loans, checking, savings and time deposits. It also offers products that include credit cards, trust services, investments, agricultural finance lending, equipment lending, insurance, consumer finance and small business administration lending. It conducts banking operations through approximately 100 branches or financial centers, located in communities throughout Arkansas, Missouri, Tennessee and Kansas. Its loan portfolios include loans to businesses (commercial loans, commercial real estate loans and agricultural loans) and individuals (consumer loans, credit card loans and single-family residential real estate loans).