{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-25-082951","form_type":"8-K","ticker":"SFNC","cik":"0000090498","company_name":"SIMMONS FIRST NATIONAL CORP","filed_at":"2025-04-16T23:59:59+00:00","discovered_at":"2026-05-14T18:02:51.747536+00:00","generated_at":"2026-05-23T14:08:36.438990+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Simmons First Q1 2025: EPS $0.26 vs $0.38 Q4; NIM rises to 2.95%; $4.3M fraud charge","bullets":["Net income $32.4M ($0.26 diluted EPS) vs $48.3M ($0.38) in Q4 2024 and $38.9M ($0.31) in Q1 2024.","Net interest margin 2.95%, up 8 bps linked quarter and 29 bps YoY; cost of deposits down 16 bps to 2.44%.","Noninterest expense includes $4.3M charge for customer deposit fraud event; adjusted PPNR $66.0M.","Provision for credit losses $26.8M includes $15.6M incremental specific reserves on two nonaccrual credit relationships totaling $49.8M.","Capital strong: CET1 12.21%, total RBC 14.59%; ACL ratio 1.48%, up 10 bps QoQ."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-25-082951","json":"https://secwatch.observer/filing/0001193125-25-082951.json","markdown":"https://secwatch.observer/filing/0001193125-25-082951.md","text":"https://secwatch.observer/filing/0001193125-25-082951.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/90498/000119312525082951/0001193125-25-082951-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/90498/000119312525082951/d924857d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T14:08:36.438990+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"}