---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-24-108547"
form_type: "8-K"
ticker: "SFNC"
cik: "0000090498"
company_name: "SIMMONS FIRST NATIONAL CORP"
filed_at: "2024-04-24T23:59:59+00:00"
generated_at: "2026-06-03T10:57:44.698279+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Simmons First National Q1 net income $38.9M; adj EPS $0.32; NIM 2.66%

## Summary
- Net income $38.9M ($0.31 diluted EPS); adjusted earnings $40.4M ($0.32 adj diluted EPS).
- Total revenue $195.1M; net interest margin 2.66% relatively stable linked quarter.
- Total loans $17.0B (+4% LQA); total deposits $22.4B (+2% LQA); commercial loan pipeline expanded.
- Net charge-off ratio 0.19%; allowance for credit losses to loans 1.34%; NPAs increased.
- Recorded $1.6M FDIC special assessment in Q1 (plus $10.5M in Q4); PPNR $55.2M, adj PPNR $57.2M.

## SEC filing metadata
- accession: 0001193125-24-108547
- form_type: 8-K
- ticker: SFNC
- cik: 0000090498
- company_name: SIMMONS FIRST NATIONAL CORP
- filed_at: 2024-04-24T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/90498/000119312524108547/0001193125-24-108547-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/90498/000119312524108547/d765327d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-24-108547
- JSON: https://secwatch.observer/filing/0001193125-24-108547.json
- Plain text: https://secwatch.observer/filing/0001193125-24-108547.txt

## Key facts
- Earnings Releases
  SIMMONS FIRST NATIONAL CORP reported first quarter of 2024 results: net income $38.9 million, EPS $0.31.
  - Period: first quarter of 2024
  - Net income: $38.9 million
  - EPS: $0.31
  - Result: reported results
  source text: Simmons First National Corporation (NASDAQ: SFNC) (Simmons or Company) today reported net income of $38.9 million for the first quarter of 2024, compared to $23.9 million for the fourth quarter of 2023 and $45.6 million for the first quarter of 2023. Diluted earnings per share were $0.31 for the first quarter of 2024
  evidence_url: https://www.sec.gov/Archives/edgar/data/90498/000119312524108547/0001193125-24-108547-index.htm

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