{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-25-160540","form_type":"8-K","ticker":"SFNC","cik":"0000090498","company_name":"SIMMONS FIRST NATIONAL CORP","filed_at":"2025-07-17T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.649435+00:00","generated_at":"2026-05-18T06:08:07.580927+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Simmons Q2 earnings: net income $54.8M, adjusted EPS $0.44; NIM hits 3.06%","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-25-160540","json":"https://secwatch.observer/filing/0001193125-25-160540.json","markdown":"https://secwatch.observer/filing/0001193125-25-160540.md","text":"https://secwatch.observer/filing/0001193125-25-160540.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/90498/000119312525160540/0001193125-25-160540-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/90498/000119312525160540/d924731d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T06:08:07.580927+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"}