Simmons First National Corp is a multi-bank financial holding company. It owns seven community banks that are located throughout Arkansas and conduct operations through 131 branches, located in 63 communities in Arkansas, Missouri and Kansas. The Company's subsidiary banks provide complete banking services to individuals and businesses throughout the market areas they serve. These banks offer consumer (credit card and other consumer), real estate (construction, single family residential and other commercial) and commercial (commercial, agriculture and financial institutions) loans, checking, savings and time deposits, securities and investment services and trust and investment management services (through Simmons First Trust Company N.A.). The Company competes with other providers of financial services, such as savings and loan associations, credit unions, finance companies, securities firms, insurance companies, full service brokerage firms and discount brokerage firms. The Company, as a bank holding company, is subject to both federal and state regulation.