Q2 2026 Simmons First National Corp Earnings Call Transcript

Jul 17, 2026 / 12:30 PM GMT

Release Date Price: $22.95 (-1.29%)

Transcript 8-K

Key Points

Positve

Simmons First National Corp (SFNC) reported a 4% annualized growth in non-interest-bearing deposits, indicating strong deposit growth.
The company achieved near 4-year highs in loan production, with a 3% annualized growth, showcasing robust lending activity.
SFNC has been successful in executing efficiency initiatives, reducing square footage by 8.5% since the start of their initiative.
The company is actively investing in talent and technology, which is expected to drive future growth and efficiency.
SFNC has demonstrated strong credit quality, with a decrease in criticized and classified loans and a stable outlook on net charge-offs.

Negative

Deposit competition remains fierce, which could pressure deposit costs and impact margins.
The company is experiencing seasonal outflows in public funds, which could affect short-term liquidity.
Non-performing assets increased slightly due to a specific 1 to 4 family construction borrower, indicating potential credit risk.
Loan yields have not increased as significantly as in previous quarters, reflecting a competitive lending environment.
The loan-to-deposit ratio is at the upper end of the company's comfort level, which may limit future lending capacity without deposit growth.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

SFNC.OQ - Simmons First National Corp
Q2 2026 Simmons First National Corp Earnings Call
Jul 17, 2026 / 12:30PM GMT

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Presentation
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Unidentified_1 [1]
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Good day and welcome to the Simmons First National Corporation, second quarter 2026 earnings conference call and webcast, all participants will be in a listen-only mode should you need assistance, please signal conference specialist by pressing the star key, followed by 0.

After today's presentation, there will be an opportunity to ask questions.

To ask a question, you may press star than 1 on your touch tone phone, and to withdraw your question, please press star, then 2.

Please note this event is being recorded.

I would now like to turn the conference over to Mr. Ad Billick.

Please go ahead, sir.

Good morning and welcome to Simmons First National Corporation

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