{"schema_version":"secwatch.filing_event.v1","accession":"0001171843-22-004929","form_type":"8-K","ticker":"SFNC","cik":"0000090498","company_name":"SIMMONS FIRST NATIONAL CORP","filed_at":"2022-07-21T23:59:59+00:00","discovered_at":"2026-05-14T18:03:58.530948+00:00","generated_at":"2026-06-24T10:45:26.644903+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Simmons Q2 EPS $0.21; adjusted $0.52; revenue up 20%; NIM expands to 3.24%","bullets":["Diluted EPS $0.21 vs $0.58 Q1; adjusted EPS $0.52 vs $0.59 Q1. Revenue $225.4M (+20% linked quarter).","Net interest margin expanded 48 bps to 3.24%; net interest income $185.1M (+27% linked quarter).","Provision for credit losses $33.9M, reflecting Day 2 CECL provision on acquired loans; total loans up 26% linked quarter to $15.1B.","Completed acquisition of Spirit of Texas Bancshares on April 8, contributing $2.3B loans and $2.7B deposits; merger costs $19.1M.","Credit quality stable: NPL ratio 0.42% (down 11 bps), net charge-off ratio 0.02%."],"urls":{"canonical":"https://secwatch.observer/filing/0001171843-22-004929","json":"https://secwatch.observer/filing/0001171843-22-004929.json","markdown":"https://secwatch.observer/filing/0001171843-22-004929.md","text":"https://secwatch.observer/filing/0001171843-22-004929.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/90498/000117184322004929/0001171843-22-004929-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/90498/000117184322004929/f8k_072122.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-24T10:45:26.644903+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}