{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-24-183345","form_type":"8-K","ticker":"SFNC","cik":"0000090498","company_name":"SIMMONS FIRST NATIONAL CORP","filed_at":"2024-07-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:16.249199+00:00","generated_at":"2026-05-31T17:43:27.949313+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Simmons First National Q2 net income $40.8M, EPS $0.32; NIM up 3 bps to 2.69%","bullets":["Net income $40.8M ($0.32 diluted EPS) vs $38.9M ($0.31) in Q1 2024; revenue $197.2M up QoQ.","Net interest margin rose 3 bps to 2.69%; loan yield up 15 bps, deposit cost up only 4 bps.","Credit quality steady: NCO ratio 0.19%, NPL ratio fell to 0.60% from 0.63% in Q1.","Tangible common equity ratio improved 9 bps to 7.84%; CET1 ratio 12.00%.","Recorded $0.3M FDIC special assessment in Q2; total FDIC assessments now $12.4M since Q4 2023."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-24-183345","json":"https://secwatch.observer/filing/0001193125-24-183345.json","markdown":"https://secwatch.observer/filing/0001193125-24-183345.md","text":"https://secwatch.observer/filing/0001193125-24-183345.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/90498/000119312524183345/0001193125-24-183345-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/90498/000119312524183345/d700338d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T17:43:27.949313+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"}