---
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"
generated_at: "2026-07-16T20:35:03.854439+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Simmons First National Q2 net income $66.7M, adjusted EPS $0.50, NIM stable at 3.84%

## Summary
- 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.

## SEC filing metadata
- 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
- 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/90498/000119312526306164/0001193125-26-306164-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/90498/000119312526306164/d123214d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-306164
- JSON: https://secwatch.observer/filing/0001193125-26-306164.json
- Plain text: https://secwatch.observer/filing/0001193125-26-306164.txt

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