---
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"
generated_at: "2026-05-23T14:08:36.438990+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Simmons First Q1 2025: EPS $0.26 vs $0.38 Q4; NIM rises to 2.95%; $4.3M fraud charge

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-082951
- JSON: https://secwatch.observer/filing/0001193125-25-082951.json
- Plain text: https://secwatch.observer/filing/0001193125-25-082951.txt

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