Simmons First National Bank is a financial institution that provides a range of lending and depository products. The bank serves residential and business customers throughout central and western Arkansas. It offers checking, money market, individual retirement and savings accounts, as well as certificates of deposit. Simmons First National Bank also provides auto, student, agricultural, home equity and real estate loans. The bank offers gift, debit and credit cards. In addition, it provides merchant card, cash management, and Internet and telephone banking services. Simmons First National Bank s subsidiaries include Simmons First Trust Company and Simmons First Investment Group. The bank is a part of Simmons First National Corporation, which is a publicly traded financial holding company.