{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-159123","form_type":"8-K","ticker":"SFNC","cik":"0000090498","company_name":"SIMMONS FIRST NATIONAL CORP","filed_at":"2026-04-16T23:59:59+00:00","discovered_at":"2026-05-14T18:02:33.912030+00:00","generated_at":"2026-05-15T05:58:42.360240+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 Q1 EPS $0.47; loan growth 10% annualized, NIM expands to 3.84%","bullets":["Diluted EPS $0.47, net income $68.5M; adjusted diluted EPS also $0.47.","Total loans grew 10% annualized linked quarter to $17.93B; broad-based growth across geography and industry.","Net interest margin up 3 bps to 3.84%; cost of deposits down 8 bps to 1.96%.","Provision for credit losses $14.6M exceeded net charge-offs by $5.5M; NCO ratio 21 bps; ACL steady at 1.28%.","Adjusted PPNR rose 53% YoY to $100.7M; adjusted efficiency ratio improved 859 bps YoY to 56.16%."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-159123","json":"https://secwatch.observer/filing/0001193125-26-159123.json","markdown":"https://secwatch.observer/filing/0001193125-26-159123.md","text":"https://secwatch.observer/filing/0001193125-26-159123.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/90498/000119312526159123/0001193125-26-159123-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/90498/000119312526159123/d102541d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T05:58:42.360240+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":[{"claim_id":"92a911952576138131e70ee79c08ab89ff07a1b8","claim":"SIMMONS FIRST NATIONAL CORP reported the first quarter of 2026 results: revenue $241.4 million, net income $68.5 million, EPS $0.47.","evidence_excerpt":"net income 1 of $68.6 million and adjusted diluted EPS 1 of $0.47 • ROAA of 1.13% and ROE of 8.01% • Adjusted ROAA 1 of 1.13%; adjusted ROTCE 1 of 13.91% • Total revenue of $241.4 million and PPNR 1 of $100.7 million • Net interest margin up 3 bps to 3.84%; cost of deposits down 8 bps to 1.96% • Efficiency ratio of 57.56%; adjusted efficiency ratio 1 of 56.16% •","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/90498/000119312526159123/0001193125-26-159123-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the first quarter of 2026"},{"label":"Revenue","value":"$241.4 million"},{"label":"Net income","value":"$68.5 million"},{"label":"EPS","value":"$0.47"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}