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Simmons First National Corporation reported net income of $66,691 thousand for the quarter ended June 30, 2026, compared with $54,773 thousand a year earlier, with basic and diluted EPS of $0.46. Net interest income rose to $200,627 thousand as interest expense declined despite slightly lower total interest income.
For the first six months of 2026, net income was $135,235 thousand. Loans increased to $18,062,369 thousand, while deposits declined to $19,728,110 thousand and FHLB advances rose to $926,507 thousand. Nonaccrual loans grew to $165,295 thousand, and the allowance for credit losses on loans increased to $238,227 thousand. Stockholders’ equity was $3,481,859 thousand, the CET1 ratio was 11.60%, and the company paid a quarterly dividend of $0.2150 per share while repurchasing 662,082 shares under its 2026 program.
Simmons First National Corporation reported second-quarter 2026 net income of $66.7 million and diluted EPS of $0.46, versus $68.5 million and $0.47 in the prior quarter and $54.8 million and $0.43 a year ago. Adjusted net income was $72.2 million, or $0.50 per diluted share.
Total revenue was $248.6 million and pre-provision net revenue was $100.8 million, supported by net interest income of $200.6 million and a fully taxable-equivalent net interest margin of 3.84%, unchanged sequentially and up from 3.06% in second-quarter 2025. Noninterest income rose to $47.9 million, while adjusted noninterest expense was $140.3 million and the adjusted efficiency ratio improved to 54.26%.
Total loans increased to $18.1 billion and unfunded commitments to $4.4 billion. Asset quality metrics remained moderate, with an annualized net charge-off ratio of 0.20%, an allowance for credit losses equal to 1.32% of loans, and nonperforming loans at 0.92% of total loans. Capital stayed strong with a CET1 ratio of 11.60% and tangible common equity ratio of 8.91%. The company repurchased about 0.7 million shares at an average price of $21.52 during the quarter.
Simmons First National Corp director Marty Casteel reported routine equity compensation activity. On July 1, 2026, 2,190 Restricted Stock Units converted on a one-for-one basis into the same number of shares of SFNC common stock at no cash cost, reflecting vesting of prior awards.
Footnotes state that 1,215 additional Restricted Stock Units are scheduled to vest on October 1, 2026, with SFNC shares delivered within 30 days, and further tranches of 975 and 976 units are scheduled to vest on October 1, 2026 and January 4, 2027, respectively, subject to earlier vesting upon specified events.
Simmons First National Corp director Russell William Teubner reported routine equity compensation activity. On July 1, 2026, he exercised restricted stock units to acquire 975 shares of SFNC common stock at $0.00 per share, increasing his directly held common shares to 24,499.
Teubner also reports indirect ownership of 43,976 SFNC common shares through a SEP-IRA. Following the transaction, he holds 1,951 restricted stock units that each convert into one SFNC common share. Footnotes state these units vest on scheduled future dates, with SFNC shares delivered within 30 days of vesting.
Simmons First National Corp director Eugene Hunt reported an exercise of restricted stock units into common shares. On July 1, 2026, 975 Restricted Stock Units converted into an equal number of SFNC common shares, increasing his direct common stock holdings to 37,095 shares.
Following this vesting event, Hunt also holds 1,951 Restricted Stock Units directly. According to the award schedule, 975 RSUs vest on October 1, 2026 and 976 RSUs vest on January 4, 2027, with SFNC shares to be delivered within 30 days of each vesting date.
SIMMONS FIRST NATIONAL CORP director Julie L. Stackhouse acquired additional SFNC shares through restricted stock vesting. On July 1, 2026, 975 Restricted Stock Units vested and converted into 975 shares of SFNC Common Stock on a one-for-one basis, increasing her directly held common stock to 19,018 shares.
Following this vesting, she also holds 1,951 Restricted Stock Units, with 975 units scheduled to vest on October 1, 2026 and 976 units on January 4, 2027. SFNC shares underlying these future units will be delivered within 30 days of each vesting, subject to earlier vesting upon events such as retirement, death, disability, or other specified events in the award agreement.
Simmons First National Corp director William E. Clark II increased his direct shareholdings through routine equity compensation. On July 1, 2026, 975 Restricted Stock Units vested and converted into 975 shares of SFNC common stock at a stated price of $0.00 per share.
After the transaction, he directly held 38,765 shares of SFNC common stock and 1,951 Restricted Stock Units. According to the award terms, 975 Restricted Stock Units are scheduled to vest on October 1, 2026 and 976 on January 4, 2027, with SFNC shares to be delivered within 30 days of each vesting date.
Simmons First National Corp director Edward Drilling increased his equity stake through routine equity awards. On July 1, 2026, 975 Restricted Stock Units converted into 975 shares of SFNC common stock at no cash cost, bringing his direct common stock holdings to 40,471 shares.
After this vesting, he still holds 1,951 Restricted Stock Units, with 975 scheduled to vest on October 1, 2026 and 976 on January 4, 2027. SFNC shares tied to these units will be delivered within 30 days of vesting, and certain events such as retirement, death, disability, or other specified circumstances in the award agreement may cause earlier vesting.
SIMMONS FIRST NATIONAL CORP director Susan S. Lanigan reported routine equity compensation activity involving restricted stock units (RSUs). On July 1, 2026, RSUs converted into a total of 1,522 shares of SFNC common stock at a conversion price of $0.00 per share, reflecting vested awards rather than open-market purchases.
The footnotes explain that RSUs convert into SFNC common stock on a one-for-one basis and that certain RSUs vested on July 1, 2026, with additional tranches of 547, 975, and 976 RSUs scheduled to vest on future dates, after which shares will be delivered within 30 days of each vesting event.
Simmons First National Corp director Mark C. Doramus reported compensation-related stock activity. On July 1, 2026, restricted stock units vested and converted into SFNC common stock, resulting in acquisitions of 975 and 1,033 shares through derivative exercises coded "M" at $0.00 per share.
The vested restricted stock units convert into SFNC common stock on a one-for-one basis. Footnotes indicate additional RSUs are scheduled to vest on October 1, 2026 and January 4, 2027, with SFNC shares to be delivered within 30 days of each vesting, subject to earlier vesting upon certain events.