Simmons Q2 earnings: net income $54.8M, adjusted EPS $0.44; NIM hits 3.06%

SIMMONS FIRST NATIONAL CORP

2025-Q2 EPS reported $0.69 vs consensus $0.40 ▲ beat (+73.8%)

Net income $54.8M ($0.43 diluted EPS); adjusted net income $56.1M ($0.44 adjusted diluted EPS).
Net interest margin 3.06%, up 11 bps from 1Q25 and 37 bps YoY; loan yields up 6 bps.
Total revenue $214.2M, up 5% linked quarter; adjusted PPNR $77.3M, up 17% from 1Q25.
Low-cost customer deposits increased $233M linked quarter; cost of deposits down 8 bps to 2.36%.
Credit metrics stable: NCO ratio 0.25%, ACL ratio 1.48%, NPL/loans 0.92%.

item 2.02item 7.01item 9.01

This headline and bullets were generated automatically by deepseek-v4-flash:cloud@v2 from the public filing. Read the source on SEC.gov before relying on any specific claim. Not investment advice. See methodology for how this pipeline works.