{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-24-239249","form_type":"8-K","ticker":"SFNC","cik":"0000090498","company_name":"SIMMONS FIRST NATIONAL CORP","filed_at":"2024-10-18T23:59:59+00:00","discovered_at":"2026-05-14T18:03:11.335763+00:00","generated_at":"2026-05-30T12:58:32.295344+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Simmons Q3 adjusted EPS $0.37 vs $0.33 Q2; net income $24.7M; sells $252M low-yield securities","bullets":["GAAP net income $24.7M ($0.20 diluted EPS), down from $40.8M in Q2; adjusted net income $46.0M ($0.37) up from $41.9M.","Sold $252M of AFS securities yielding 1.29%, incurring $21.0M after-tax loss; proceeds used to pay down FHLB advances.","Net interest margin improved 5 bps to 2.74%; cost of deposits stable at 2.79% and appear to have peaked.","Credit quality steady: NCO ratio 0.22% (9 bps from run-off), ACL ratio 1.35%, nonperforming loan ratio 0.59%.","TCE ratio up 31 bps to 8.15%; tangible book value per share up 4% to $16.78."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-24-239249","json":"https://secwatch.observer/filing/0001193125-24-239249.json","markdown":"https://secwatch.observer/filing/0001193125-24-239249.md","text":"https://secwatch.observer/filing/0001193125-24-239249.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/90498/000119312524239249/0001193125-24-239249-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/90498/000119312524239249/d877997d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T12:58:32.295344+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"}