Every 10-Q that Simmons First National Corp (SFNC) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow SFNC and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full SFNC filings page.
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 much stronger results for the quarter ended March 31, 2026. Net income rose to $68.5 million from $32.4 million a year earlier, and diluted earnings per share increased to $0.47 from $0.26.
Net interest income grew to $197.2 million as funding costs declined and loan balances increased to $17.9 billion. The provision for credit losses fell to $14.6 million, while noninterest expense edged down to $140.7 million, supporting higher profitability.
Total assets were $24.7 billion with deposits of $20.2 billion. Comprehensive income was lower than net income because of a $21.2 million other comprehensive loss tied mainly to unrealized losses on available-for-sale securities as market rates affected bond valuations.
Simmons First National Corporation (SFNC) reported a large GAAP loss driven by a balance sheet repositioning. The company reclassified approximately $3.6 billion of held‑to‑maturity securities to available‑for‑sale and sold about $3.2 billion of AFS securities, recognizing a realized, after‑tax loss of $625.6 million. For Q3 2025, SFNC posted a net loss of $562.8 million, as noninterest income included a $801.5 million loss on securities sales.
Core spread trends improved: Q3 net interest income was $186.7 million versus $157.7 million a year ago as deposit and borrowing costs declined, while provision for credit losses was $12.0 million. Year‑to‑date, net interest income was $521.9 million versus $463.5 million.
Total deposits were $19.84 billion at September 30, 2025, compared with $21.89 billion at December 31, 2024. The company strengthened capital and funding through the issuance of 18,653,000 common shares for $327.4 million and $321.2 million of subordinated notes. Shares outstanding were 144,703,075 at quarter‑end and 144,717,601 as of November 3, 2025.
Simmons First National Corp. (SFNC) posted solid Q2-25 results. Net income rose 34% to $54.8 million and diluted EPS increased to $0.43 from $0.32. The gain was driven by an 11.6% jump in net interest income (NII) to $171.8 million; interest expense fell 18.3% year-over-year, outweighing a 4.3% slide in interest income. Provision for credit losses remained modest at $12.0 million.
Balance-sheet trends were stable. Total assets were $26.7 billion (-1% YTD). Net loans inched up to $16.86 billion, while deposits slipped 0.3% since year-end to $21.8 billion; non-interest-bearing balances held at 20% of total. The allowance for credit losses equals 1.48% of loans. Book value improved to $28.18 per share as equity climbed to $3.55 billion, although accumulated OCI loss widened by $20 million on securities valuations.
Operating efficiency remained tight: non-interest expense fell slightly to $138.6 million, producing a pre-tax margin of 20.2%. Year-to-date operating cash flow was a positive $110 million and the company paid $53.5 million in dividends ($0.2125 per share this quarter).
Key takeaways:
- Earnings momentum despite higher credit provision and flat loan growth.
- Funding costs easing; time deposits still 28% of deposit base.
- Capital strong with CET1 well above regulatory minimums (figure not disclosed in excerpt).