secwatch.observer — SEC 8-K summary
======================================

Issuer:     SIMMONS FIRST NATIONAL CORP (SFNC)
CIK:        0000090498
Form:       8-K
Filed at:   2025-07-17T23:59:59+00:00
Accession:  0001193125-25-160540
Event type: earnings
Sentiment:  positive
Materiality: 0.65
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

- 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%.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/90498/000119312525160540/0001193125-25-160540-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/90498/000119312525160540/d924731d8k.htm
  HTML page:      https://secwatch.observer/filing/0001193125-25-160540

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer