---
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"
generated_at: "2026-05-18T06:08:07.580927+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-160540
- JSON: https://secwatch.observer/filing/0001193125-25-160540.json
- Plain text: https://secwatch.observer/filing/0001193125-25-160540.txt

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