---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-26-381967"
form_type: "8-K"
ticker: "SFNC"
cik: "0000090498"
company_name: "SIMMONS FIRST NATIONAL CORP"
filed_at: "2026-09-03T20:31:15+00:00"
generated_at: "2026-09-03T20:35:11.841281+00:00"
event_type: "other_material"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Simmons First to close 26 branches, expects $40-45M Q3 charges, $37-42M annual PPNR benefit

## Summary
- Closing 26 Simmons Bank branches across six states effective Dec 4, 2026; ~100 associates affected, ~70% expected to be retained.
- Pre-tax exit costs estimated $20-23M: $17-19M real estate write-downs/lease term fees, $3-3.5M professional fees, $0.2-0.5M severance.
- Total Q3 2026 pre-tax charges for broader Initiatives $40-45M, including branch closures; $4-5M of exit costs are cash.
- Initiatives expected to improve annual pre-provision net revenue by $37-42M once fully implemented; may reinvest part into growth.
- Charges substantially recognized in Q3 2026; management cites structural operating model transformation and technology automation.

## SEC filing metadata
- accession: 0001193125-26-381967
- form_type: 8-K
- ticker: SFNC
- cik: 0000090498
- company_name: SIMMONS FIRST NATIONAL CORP
- filed_at: 2026-09-03T20:31:15+00:00
- event_type: other_material
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.05, 7.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/90498/000119312526381967/0001193125-26-381967-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/90498/000119312526381967/d489413d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-381967
- JSON: https://secwatch.observer/filing/0001193125-26-381967.json
- Plain text: https://secwatch.observer/filing/0001193125-26-381967.txt

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