SIMMONS FIRST NATIONAL CORP
For the period ended Sep 30, 2025. Filed Nov 6, 2025.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Sep 30, 2025 · Filed Nov 6, 2025
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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 10-Q
(Mark One)
| ☒ | QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 |
|---|
For the quarterly period ended September 30, 2025
OR
| ☐ | TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 |
|---|
For the transition period from _____ to _____
Commission File Number 000-06253
SIMMONS FIRST NATIONAL CORP ORATION
(Exact name of registrant as specified in its charter)
| Arkansas | 71-0407808 |
|---|---|
| (State or other jurisdiction of | (I.R.S. Employer |
| incorporation or organization) | Identification No.) |
| 501 Main Street | 71601 |
| Pine Bluff | (Zip Code) |
| Arkansas | |
| (Address of principal executive offices) | |
(870)541-1000
(Registrant’s telephone number, including area code)
Not Applicable
(Former name, former address and former fiscal year, if changed since last report)
Securities registered pursuant to Section 12(b) of the Act:
| Title of each class | Trading Symbol(s) | Name of each exchange on which registered |
|---|---|---|
| Common stock, par value $0.01 per share | SFNC | The Nasdaq Global Select Market |
Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.☒ Yes ☐ No
Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).☒ Yes ☐ No
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.
| Large accelerated filer | ☒ | Accelerated filer | ☐ | Non-accelerated filer | ☐ |
|---|---|---|---|---|---|
| Smaller reporting company | ☐ | Emerging Growth company | ☐ | ||
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act.).☐ Yes☒ No
The number of shares outstanding of the Registrant’s Common Stock as of November 3, 2025, was 144,717,601.
Quarterly Report on Form 10-Q
September 30, 2025
Table of Contents
| Page | ||
|---|---|---|
| Part I: · Financial Information | ||
| Item 1. · Financial Statements (Unaudited) | ||
| Consolidated Balance Sheets | 3 | |
| Consolidated Statements of Income (Loss) | 4 | |
| Consolidated Statements of Comprehensive Income (Loss) | 5 | |
| Consolidated Statements of Cash Flows | 6 | |
| Consolidated Statements of Stockholders' Equity | 7 | |
| Condensed Notes to Consolidated Financial Statements | 9 | |
| Report of Independent Registered Public Accounting Firm | 51 | |
| Item 2. | Management's Discussion and Analysis of Financial Condition and Results of Operations | 52 |
| Item 3. | Quantitative and Qualitative Disclosures About Market Risk | 80 |
| Item 4. | Controls and Procedures | 82 |
| Part II: | Other Information | |
| Item 1. | Legal Proceedings | 82 |
| Item 1A. | Risk Factors | 82 |
| Item 2. | Unregistered Sales of Equity Securities and Use of Proceeds | 83 |
| Item 3. | Defaults Upon Senior Securities | * |
| Item 4. | Mine Safety Disclosures | * |
| Item 5. | Other Information | 83 |
| Item 6. | Exhibits | 84 |
| Signatures | 85 | |
- No reportable information under this item.
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