Simmons First reports 40% adjusted PPNR growth, stable 3.84% NIM, and efficiency gains

Filed July 16, 2026 · Period ending July 16, 2026 · ~2 min read

Key Changes

• high

  Q2 2026 net income $66.7M ($0.46 EPS); adjusted PPNR up 40% YoY to $108.2M driven by 8% noninterest income growth and 190 bps efficiency ratio improvement to 54.26%.

  Exhibit 99.2 view on EDGAR →
• high

  Net interest margin held at 3.84% (up 78 bps YoY); deposit costs declined 3 bps to 1.93% as loan interest income rose $7.0M.

  Exhibit 99.1 view on EDGAR →
• high

  Nonperforming loans rose to $166.0M from $141.9M, primarily from full migration of a single 1-4 family construction relationship disclosed in Q1; net charge-offs 20 bps, ACL ratio 1.32%.

  Exhibit 99.1 view on EDGAR →