{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-306164","form_type":"8-K","ticker":"SFNC","cik":"0000090498","company_name":"SIMMONS FIRST NATIONAL CORP","filed_at":"2026-07-16T20:30:53+00:00","discovered_at":"2026-07-16T20:32:00.396103+00:00","generated_at":"2026-07-16T20:35:03.854439+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 Q2 net income $66.7M, adjusted EPS $0.50, NIM stable at 3.84%","bullets":["Net income $66.7M ($0.46 diluted EPS); adjusted net income $72.2M ($0.50 adjusted diluted EPS).","Total revenue $248.6M, up 3% linked quarter; net interest margin unchanged at 3.84%.","Committed loan production $1.8B, highest in nearly 4 years; total loans up 3% annualized linked quarter.","Adjusted efficiency ratio improved to 54.26% from 56.16% in Q1; repurchased 0.7M shares at avg $21.52.","Net charge-off ratio 0.20%; allowance for credit losses to loans 1.32%; provision exceeded net charge-offs by $8.3M."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-306164","json":"https://secwatch.observer/filing/0001193125-26-306164.json","markdown":"https://secwatch.observer/filing/0001193125-26-306164.md","text":"https://secwatch.observer/filing/0001193125-26-306164.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/90498/000119312526306164/0001193125-26-306164-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/90498/000119312526306164/d123214d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-16T20:35:03.854439+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"}