8-K current report · filed Jul 16, 2026

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

Item 7.01Item EX-99.1Item 2.02SFNC overview

Short answer

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

  • July 16, 2026 earnings release covered fiscal-year 2026 results
  • Full financial results and management commentary contained in Exhibit 99.1
  • Item 2.02 signals market-sensitive operating performance disclosure to investors

Item 7.01 · Regulation FD Disclosure

  • Investor presentation issued July 16, 2026 under Regulation FD
  • Exhibit 99.2 contains the substantive investor-facing disclosures and financial information
  • Market relevance depends on presentation content, including any strategy, performance, or outlook updates

Item EX-99.1 · Exhibit EX-99.2

  • 2Q26 net income $66.7M, diluted EPS $0.46; adjusted EPS $0.50, up from $0.44 year over year
  • Net interest income rose 17% year over year to $200.6M, while NIM expanded to 3.84% from 3.06%
  • Loans grew 6% year over year to $18.1B, but deposits fell to $19.7B, lifting loans-to-deposits to 92%
  • Credit metrics mixed: net charge-offs improved to 20 bps, while nonperforming loans increased to $166.1M
  • Repurchased 0.7M shares at $21.52 average, with approximately $161M remaining authorization as of June 30, 2026

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