---
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"
generated_at: "2026-05-31T17:43:27.949313+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Simmons First National Q2 net income $40.8M, EPS $0.32; NIM up 3 bps to 2.69%

## Summary
- 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.

## SEC filing metadata
- 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
- 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/90498/000119312524183345/0001193125-24-183345-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/90498/000119312524183345/d700338d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-24-183345
- JSON: https://secwatch.observer/filing/0001193125-24-183345.json
- Plain text: https://secwatch.observer/filing/0001193125-24-183345.txt

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