SIMMONS FIRST NATIONAL CORP — Form 8-K
Filed July 16, 2026 · analyzed by the 8-K Agent
8-K
— Neutral
significance 42/100
What the filing says
Simmons First National reported Q2 2026 adjusted net income of $72.2M ($0.50 diluted EPS), compared to $68.6M ($0.47) in Q1 2026 and $56.1M ($0.44) in Q2 2025. Total loans rose $129.5M (3% annualized) to $18.1B; deposits fell $474.7M to $19.7B. Net interest margin held flat at 3.84%. Adjusted efficiency ratio improved 190 bps year-over-year to 54.26%. Company repurchased 0.7M shares at $21.52; remaining authorization ~$161M. Credit quality stable: NCO ratio 20 bps, ACL 1.32%, nonperforming loans rose to $166.1M (0.92% of loans) reflecting one disclosed single real estate construction relationship.
Why this rating
Solid operational execution with modest loan growth, stable margins, and improved cost controls. Relative to $2.3B market cap, Q2 earnings and balance sheet size are routine. No material M&A, no going-concern issues. Loan portfolio and deposit trends are manageable. Standard quarterly disclosure.
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