{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-016672","form_type":"8-K","ticker":"SFNC","cik":"0000090498","company_name":"SIMMONS FIRST NATIONAL CORP","filed_at":"2026-01-20T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.998866+00:00","generated_at":"2026-05-16T09:42:04.014468+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Simmons First National Q4 EPS $0.54; NIM expands 31 bps to 3.81%","bullets":["Net income $78.1M ($0.54 diluted EPS); adjusted EPS also $0.54; total revenue $249.0M.","Net interest margin (FTE) 3.81%, up 31 bps QoQ; cost of deposits down 21 bps to 2.04%.","Total loans $17.49B (+7% annualized); total deposits $20.18B (+7% annualized); customer deposits +8% annualized.","NCO ratio 1.12% from charge-offs of two previously disclosed credits and run-off portfolio sale; NPL ratio 0.64% (down 26 bps).","Adjusted ROAA 1.29%, adjusted ROTCE 16.10%; CET1 ratio 11.63%, TCE ratio 8.71%."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-016672","json":"https://secwatch.observer/filing/0001193125-26-016672.json","markdown":"https://secwatch.observer/filing/0001193125-26-016672.md","text":"https://secwatch.observer/filing/0001193125-26-016672.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/90498/000119312526016672/0001193125-26-016672-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/90498/000119312526016672/d25716d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T09:42:04.014468+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"}