---
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"
generated_at: "2026-05-16T09:42:04.014468+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Simmons First National Q4 EPS $0.54; NIM expands 31 bps to 3.81%

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-016672
- JSON: https://secwatch.observer/filing/0001193125-26-016672.json
- Plain text: https://secwatch.observer/filing/0001193125-26-016672.txt

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