secwatch.observer — SEC 8-K summary
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Issuer:     SIMMONS FIRST NATIONAL CORP (SFNC)
CIK:        0000090498
Form:       8-K
Filed at:   2026-04-16T23:59:59+00:00
Accession:  0001193125-26-159123
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 Q1 EPS $0.47; loan growth 10% annualized, NIM expands to 3.84%
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- 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%.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/90498/000119312526159123/0001193125-26-159123-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/90498/000119312526159123/d102541d8k.htm
  HTML page:      https://secwatch.observer/filing/0001193125-26-159123

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