secwatch.observer — SEC 8-K summary
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Issuer:     SIMMONS FIRST NATIONAL CORP (SFNC)
CIK:        0000090498
Form:       8-K
Filed at:   2026-01-20T23:59:59+00:00
Accession:  0001193125-26-016672
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/90498/000119312526016672/0001193125-26-016672-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/90498/000119312526016672/d25716d8k.htm
  HTML page:      https://secwatch.observer/filing/0001193125-26-016672

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