8-K current report · filed Apr 16, 2026

SIMMONS FIRST NATIONAL CORP (SFNC) 8-K Current Report: April 16, 2026

Item 2.02Item 7.01Item EX-99.1SFNC overview

Short answer

SIMMONS FIRST NATIONAL CORP (SFNC) filed an 8-K current report with the SEC on April 16, 2026 reporting Item 2.02 (Results of Operations and Financial Condition), Item 7.01 (Regulation FD Disclosure), Item EX-99.1 (Exhibit EX-99.2). April 16, 2026 press release covers fiscal-year 2026 results.

SIMMONS FIRST NATIONAL CORP 8-K event analysis

AI summary of each reported item and its exhibits

Item 2.02 · Results of Operations and Financial Condition

  • April 16, 2026 press release covers fiscal-year 2026 results
  • Detailed financial results and management commentary contained in Exhibit 99.1
  • Item 2.02 signals earnings information potentially material to valuation and investor expectations

Item 7.01 · Regulation FD Disclosure

  • Investor presentation issued April 16, 2026 under Regulation FD
  • Exhibit 99.2 contains the substantive investor information relevant to shareholders

Item EX-99.1 · Exhibit EX-99.2

  • 1Q26 net income $68.5M and diluted EPS $0.47, down from $0.54 in 4Q25 but up from $0.26 year over year
  • Loan growth accelerated to 10% annualized, reaching $17.9B, with unfunded commitments rising to $4.1B
  • Net interest margin expanded 3 bps to 3.84%, while deposit cost declined 8 bps to 1.96%, supporting earnings resilience
  • Credit metrics improved sequentially, with net charge-offs at 21 bps and ACL steady at 1.28%, though nonperforming loans increased to $141.9M
  • Capital remained solid with CET1 at 11.58%; no shares repurchased, leaving approximately $175M under the authorization

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