---
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"
generated_at: "2026-06-24T10:45:26.644903+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Simmons Q2 EPS $0.21; adjusted $0.52; revenue up 20%; NIM expands to 3.24%

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-22-004929
- JSON: https://secwatch.observer/filing/0001171843-22-004929.json
- Plain text: https://secwatch.observer/filing/0001171843-22-004929.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.